Thrilled to share my 2024 re-election campaign for ND Insurance Commissioner. We've made great strides in consumer protection, technology, and healthcare reform. Let's keep working for the betterment of North Dakota's insurance sector! #Godfread2024 #NDPol #NDProud godfreadfornd.com/2024-reele…

We didn't rewrite the insurance code for Excel. So why are we so eager to rewrite it for AI? I joined @Zinnia to challenge conventional thinking about innovation, regulation & consumer protection. You might be surprised where I land. 🎧 zinnia.com/la-hub/jon-godfre…

New technology. Same consumer protections. North Dakota's new AI Bulletin makes it clear: insurers remain accountable for AI-driven decisions. We can embrace innovation without abandoning oversight. Regulate outcomes, not just technology. insurance.nd.gov/tools-legal…

Are state insurance regulators asleep at the wheel? Recent headlines suggest it. I disagree—and the work happening behind the scenes tells a different story. My response to the critics, and where we still need to improve: realclearpolicy.com/articles…

The state-based system of insurance regulation is not a regulatory gap. It is a strength worth defending. Private credit, affiliated investments, valuation, liquidity and complex structures deserve scrutiny. State regulators should be challenged and the system should keep evolving. But start with the facts, not the premise that there is a regulatory vacuum. Our job is to manage risk, not pretend risk can be eliminated. For policyholders, the question is simple: when you pay premiums, is the promise there when you need it? Changing the address of the regulator does not change the math. Math isn’t political. Risk isn’t political. Solvency isn’t political. Protect policyholders. Understand the risk. Keep evolving. That is the state-based system.

The premium is downstream from the loss. If we want to address the long-term cost of insurance, we have to address the long-term cost of property losses. That means resilience, mitigation and a strong fire service — before the disaster strikes.

As my year as @NAIC President comes to a close, I’m proud of the progress we made together—during a demanding year for insurance markets and regulators. 🧵 Spring Mtg: “Every day is crunch time for insurance regulators—because when consumers call us, it’s usually one of the toughest days of their lives.” That reality shaped our work all year. Summer Mtg: “RBC has evolved. It’s no longer just a once-a-year number—it’s a year-round lens into solvency.” The RBC Model Governance Task Force tackled one of the most consequential issues in global insurance regulation—modernizing governance with clarity and discipline. The crown jewel of the year. Fall Mtg: “Our work is rising in visibility, urgency, and impact—and that’s because people are paying attention.” More work remains—but this year showed the strength of the bipartisan, state-based system. Best wishes to Commissioner Scott White as he assumes the presidency, alongside Beth Dwyer, Jon Pike & Michael Wise. #SecuringTomorrow