When settling a contract, a broker cannot use a provider, and vice versa, unless each knows that the other is licensed under the NCOIL Model. Licensed brokers and providers must report annually to state insurance commissioners regarding their internal controls, including their “anti-fraud plan” that must include procedures for (i) detecting possible fraudulent acts, (ii) resolving material inconsistencies between medical records and insurance applications, (iii) reporting fraudulent insurance acts, (iv) providing anti-fraud education of and training for underwriters and others, and (v) outlining personnel to investigate and report activities that may be fraudulent.