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North Dakota (ND)


Annuity Information

North Dakota Insurance Department


The North Dakota Insurance Department, established in 1889, is a state regulatory agency headed by the Insurance Commissioner. The Department maintains offices on the fifth floor of the State Capitol, 1701 South 12th Street in Bismarck and a third location in north Bismarck.


42 staff members serve the public. The majority of employees are devoted to insurance regulation. A smaller number of employees perform the separately-funded functions assigned to the Department by the Legislative Assembly.


The insurance commissioner is the head of the North Dakota Insurance Department, responsible for regulating the insurance industry within the state. The department enforces relevant laws and regulations, and working to ensure a competitive marketplaces and to protect consumers from fraud. Chapter 26.1 of the North Dakota Century Code outlines the specific duties of the office:


  • enforce insurance-related state laws and report any infractions to the office of the attorney general
  • register all insurance companies and agents operating within the state
  • communicate with insurance commissioners from other states when appropriate

Mission statement

It is the mission of the North Dakota Insurance Department to protect the public good by fairly and effectively administering the laws of North Dakota. We are committed to vigorous consumer protection efforts while fostering a strong, competitive marketplace that provides consumers with choices and access to high-quality insurance products and services at competitive prices. In pursuit of our mission, we will treat all of our constituencies with the highest ethical standards and respect they deserve.


Adam Hamm was appointed Insurance Commissioner by Governor John Hoeven in October 2007, elected to a four-year term in November 2008 and reelected to a second four-year term in November 2012. Adam has a strong and varied background that includes experience both in public service and in the private sector.

Adam's dedication to serve the public began with his work as a prosecutor at the Cass County State's Attorney's office. Adam prosecuted personal crimes, including murder, rape, robbery, assault, and child physical and sexual abuse. This work gave Adam an understanding of what it takes to protect the public.

North Dakota Annuity Resources:The state of North Dakota is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace.  Through the National Association of Insurance Commissioners (NAIC), U.S. insurance regulators establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace.  U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.


Capital: Bismarck
State Commissioner: Adam Hamm
Insurance Hotline: 800.247.0560
Annuity Guarantee Limit: $100,000
Website: http://www.nd.gov/ndins/
Guarantee Assoc: http://www.ndlifega.org/

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