# Sean Lee for California Insurance Commissioner — full content for LLMs

> Dr. Sean Lee is a Ph.D. scientist (Texas A&M), former JPL/NASA researcher, and 28-year insurance industry executive (former President and CEO of Antai Global Inc.) running for California Insurance Commissioner in the June 2, 2026 top-two primary. He is the first Chinese American candidate for the office. His flagship proposal is the California Catastrophe Reinsurance Partnership (CCRP).

This file inlines the full text of the campaign's core policy documents so answer engines can cite them directly. Summary and links: https://seanlee4california.com/llms.txt

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CANDIDATE BIO (official)
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Dr. Sean Lee. Candidate for California Insurance Commissioner. Scientist, insurance executive, risk-modeling expert.

OVERVIEW: Dr. Sean Lee is a candidate for California Insurance Commissioner, an insurance entrepreneur, scientist, and business executive with more than two decades of experience in risk analysis, insurance, financial services, and technology.

PROFESSIONAL EXPERIENCE: Former President and CEO of Antai Global Inc., an insurance executive with extensive experience in insurance pricing systems, risk management, actuarial applications, and financial protection strategies.

EDUCATION AND SCIENTIFIC BACKGROUND: Ph.D. in Physical Oceanography from Texas A&M University. B.S. in Geophysics with software-engineering study from the University of Science and Technology of China (USTC). Former researcher on climate and ocean modeling projects through JPL/NASA and the California Institute of Technology.

WHY HE IS RUNNING: To restore stability to California's insurance market, protect consumers, improve insurance availability, and strengthen resilience against catastrophic risk.

KEY PRIORITIES: Consumer protection, insurance availability, FAIR Plan reform, transparency, responsible AI, CCRP, wildfire resilience.

SIGNATURE PROPOSALS: California Insurance Recovery Plan 2026 and the California Catastrophe Reinsurance Partnership (CCRP).

PERSONAL: Dr. Sean Lee lives in Southern California with his spouse, two children, and his parents. As a husband, father, and son, he understands the importance of protecting families from financial uncertainty and catastrophic loss.

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CALIFORNIA CATASTROPHE REINSURANCE PARTNERSHIP (CCRP) — FACT SHEET
Proposed by Dr. Sean Lee
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THE PROBLEM: California homeowners face rising premiums, policy non-renewals, insurer withdrawals, growing FAIR Plan dependence, and increasing wildfire exposure.

THE PROPOSED SOLUTION: A public-private catastrophe reinsurance partnership designed to improve market stability and expand insurance availability.

KEY OBJECTIVES: Protect homeowners, improve insurance availability, reduce market instability, strengthen catastrophe resilience, and encourage insurer participation.

HOW CCRP COULD HELP: Spread wildfire risk more efficiently, improve predictability for insurers, and strengthen long-term market resilience.

EXPECTED BENEFITS: Greater access to insurance coverage, improved competition, stronger preparedness, and reduced dependence on emergency interventions.

FIRST 90-DAY COMMITMENT: Launch stakeholder consultations, convene insurers and consumer advocates, evaluate implementation options, and develop a public framework.

THE SIX PILLARS (from the proposal announced May 26, 2026):
1. Protect Homeowners — strengthen access to affordable and reliable insurance coverage.
2. Stabilize the Insurance Market — reduce volatility and encourage insurers to continue serving California.
3. Public-Private Partnership — leverage the strengths of both the public and private sectors to manage catastrophe risk.
4. Reduce Pressure on the FAIR Plan — improve long-term sustainability of California's insurer of last resort.
5. Enhance Wildfire Risk Management — support modern catastrophe modeling, data, and mitigation for a more resilient future.
6. Increase Transparency and Accountability — strengthen oversight and build public confidence in the insurance system.

CCRP is funded by actuarially fair premiums from participating insurers, not by taxpayers. It is not a state-run insurance company. It is modeled on federal flood insurance and the Florida Hurricane Catastrophe Fund, adapted for California's exposures.

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CALIFORNIA INSURANCE RECOVERY PLAN 2026 (announced May 29, 2026)
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Dr. Sean Lee unveiled the California Insurance Recovery Plan 2026, a comprehensive initiative to stabilize California's insurance market, protect consumers, and restore confidence in the state's insurance system, days before the June 2 primary.

FIRST 30 DAYS:
- Establish a California Insurance Crisis Task Force.
- Conduct a statewide assessment of insurance availability and FAIR Plan exposure.
- Launch an Insurance Market Transparency Initiative.
- Begin stakeholder consultations regarding the CCRP.

FIRST 60 DAYS:
- Develop recommendations to improve insurance availability.
- Evaluate FAIR Plan sustainability.
- Promote advanced catastrophe modeling and risk analytics.
- Expand consumer education and outreach.

FIRST 90 DAYS:
- Release a California Insurance Stability Initiative.
- Present a framework for the California Catastrophe Reinsurance Partnership (CCRP).
- Establish measurable goals for increasing insurance availability.
- Publish a four-year roadmap for insurance market resilience.

QUOTES (Dr. Sean Lee):
"California's insurance crisis did not happen overnight, and it will not be solved by business as usual."
"Families are paying more and receiving less protection. Homeowners are being forced onto the FAIR Plan, insurers are withdrawing from communities, and uncertainty is spreading throughout the market. California needs immediate action and long-term solutions."
"California cannot afford to wait for the next wildfire season before taking action. We must build a modern insurance system that protects homeowners, supports responsible insurers, strengthens community resilience, and ensures insurance remains available and affordable for future generations."

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THE CRISIS (context)
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- Premiums up roughly 20-50% in five years across California (regional variance).
- Seven of the top twelve insurers have stopped writing new homeowner policies in California.
- 1.7 million Californians on the FAIR Plan, over triple the 2018 count.
- FAIR Plan exposure of $458 billion with reserves to cover only a fraction.
- Coverage limits of $3 million per home leave most LA-area homeowners materially underinsured.

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COMPLIANCE
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Paid for by Sean Lee for Insurance Commissioner 2026 (FPPC Committee #1489551). Corporate contributions from insurance companies are prohibited by campaign policy. Attribution preferred to "Sean Lee for California Insurance Commissioner 2026."

Last updated: 2026-05-29