How often does the commissioner examine insurers that operate within one state?

The correct answer is based on the regulatory framework that governs insurance companies within the state. The state insurance commissioner has the authority to conduct examinations of insurers to ensure they are financially sound, comply with state laws, and protect the interests of policyholders. These examinations are fundamental in maintaining the integrity and accountability of the insurance market.

Specifically, the commissioner is required to examine all domestic insurers at least once every five years. This timeframe allows for a thorough assessment of the insurer's practices, financial health, and compliance with regulatory standards without overwhelming state resources. By setting this five-year minimum, the regulation balances the need for oversight with the operational realities of the insurance industry, ensuring that insurers remain solvent and capable of meeting their obligations to policyholders.

The other options suggest more frequent or less frequent examinations, which do not align with the established regulatory requirement of a minimum five-year interval.