Consumer Participation at NAIC

The NAIC works closely with state insurance regulators to assist them in their primary objective of protecting insurance consumers. There are three ways consumers can participate directly in NAIC national meetings and other deliberations.

Individuals from consumer organizations may request a waiver of the registration fee to attend an NAIC conference. NAIC defines a consumer organization as “a national, state, or local organization that serves to protect the interests of consumers as they relate to the regulation of insurance. Their participation at NAIC should be based on their desire to collect and/or impart information of mutual concern and interest to insurance regulators and that represents a consumer perspective. One measure of whether an organization represents a consumer perspective is its source of funding. By definition, an organization that receives significant funding from the insurance industry is not a consumer organization.” To apply for a waiver of the registration fee, write a letter on your organization’s letterhead and send it to the NAIC Meetings Department. Registration to the conference entitles you to participate in all NAIC open meetings.

Individuals from consumer organizations may apply to be a funded consumer representative to NAIC. Individuals selected for funding are expected to attend all four NAIC quarterly meetings and to fully participate in NAIC deliberations. In return, NAIC reimburses consumers for airfare, lodging, and meal expenses associated with participation in and traveling to NAIC meetings. Funded Consumer Letter [PDF] Funded Consumer Criteria [PDF] Funded Consumer Application [Word] [PDF] 2007 Funded Consumer Representatives NAIC Committee Structure 2008 Proposed Committee Charges 2008 NAIC National Meeting Schedule

A third option to participate in NAIC meetings is available to consumer organizations that do not want or need to request funding for participation. NAIC defines a consumer organization as a national, state, or local organization that serves to protect the interests of consumers as they relate to the regulation of insurance. Their participation at NAIC should be based on their desire to collect and/or impart information of mutual concern and interest to insurance regulators and that represents a consumer perspective. One measure of whether an organization represents a consumer perspective is its source of funding. By definition, an organization that receives significant funding from the insurance industry is not a consumer organization. Unfunded Consumer Letter [PDF] Unfunded Consumer Criteria [PDF] Unfunded Consumer Application [Word] [PDF] 2007 Unfunded Consumer Representatives