The insurance department (commissioner) does NOT perform which of the following functions?

The function that the insurance department (or commissioner) does not perform is making insurance policies. Instead, the commissioner plays a role in overseeing and regulating the insurance industry to ensure that it operates fairly and in accordance with state laws.

To clarify, the commissioner is responsible for endorsing insurers, which involves approving licenses and ensuring that companies meet specific standards. They also establish fines and penalties for violations of insurance regulations to maintain compliance and protect consumers. Furthermore, while the commissioner does not directly make laws, they are involved in the regulatory process, which includes developing regulations that support the enforcement of existing laws related to insurance, but they do not create the laws themselves.

Hence, making insurance policies is distinctly not a function of the insurance department, as this task is generally undertaken by individual insurance companies based on the regulatory framework provided.