What is the primary purpose of the Commissioner of Insurance examining an insurance company's records?

The primary purpose of the Commissioner of Insurance examining an insurance company's records is to determine the solvency of the company. This examination is crucial because it ensures that the insurance company has sufficient assets and reserves to meet its policyholder obligations and pay claims. Solvency is a key aspect of the financial health of an insurance organization, as it reflects its ability to continue operating and providing coverage to its policyholders without running into financial difficulties.

Regular examinations help maintain consumer trust and stability within the insurance market. If a company is deemed insolvent, it can lead to significant consequences for policyholders, including unpaid claims and loss of coverage, which the regulatory authority seeks to prevent by ensuring that all licensed companies remain financially stable. Other options such as reviewing marketing strategies, assessing employee satisfaction, or investigating policyholder complaints, while important in their own right, do not have the same direct impact on the overall stability and reliability of the insurance sector as ensuring solvency does.