What does the examiners' handbook provide?

The examiners' handbook is a comprehensive resource that outlines the criteria and methodologies for conducting examinations of insurance companies. It is specifically adopted by the National Association of Insurance Commissioners (NAIC), which ensures that states have a framework for assessing the financial condition and operational practices of insurers. This guidance helps maintain consistency and fairness in how examinations are carried out across different jurisdictions, helping regulators ensure that companies adhere to established laws and regulations.

In contrast, the other options focus on different aspects of the insurance industry. Guidelines for assessing market trends pertain to analytics and market research rather than examination procedures. Standards for employee training relate more to human resources management within insurance companies, while instructions for filing consumer complaints focus on consumer rights and protections, which are separate from the regulatory examination process. Thus, the correct understanding of the examiners' handbook centers on its role in establishing examination standards within the regulatory framework set forth by the NAIC.