Premise: The Uniform Individual Accident and Sickness Policy Provision Law (UPPL), a model law drafted by the National Association of Insurance Commissioners (NAIC) in 1947, provides insurers with this right.

Hypothesis: Insurers require regular lobbying and advocacy by the National Association of Insurance Commissioners during the development of public policy in order to stay in business and continue to serve the public in a sustainable way, they have to ensure their own legal rights and mitigation of risks from excess liability.  
Relation: neutral