The NAIC works closely with consumer representatives to assist state regulators in their primary objective of protecting insurance consumers. Listed below are three ways consumers or consumer organizations can participate directly in NAIC national meetings and other deliberations. Individuals who are selected from the applications received will be notified in December.

*The 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 meetings should represent a consumer perspective and should be based on their desire to collect and/or impart information of mutual concern and interest to insurance consumers and regulators. 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.

2016 Consumer Representatives’ Contact Lists (With Areas of Interest and Expertise) for Public Use

Plan of Operations

Tracking of NAIC Consumer Representatives’ Requests

NAIC Committee Structure
Committee Charges
NAIC National Meeting Schedule

1.) Request a Waiver of the Registration Fee

Registration to a conference entitles one to participate in all NAIC open meetings during that conference.

Individuals from non-profit consumer organizations may request that the registration fee to attend an NAIC conference be waived.

Anyone wishing to apply for waiver of a registration fee should write a letter on their organization's letterhead and send it to the NAIC Meetings Department at least 1 month prior to the meeting.

2.) Apply to be a Funded Representative

Individuals from consumer organizations may apply to become a NAIC funded consumer representative by submitting the application below by 5:00 pm CT on Oct. 31.

Appointees are expected to attend all three NAIC national meetings and to fully participate in NAIC deliberations.

In return, the NAIC reimburses funded consumer representatives for airfare, lodging, and meal expenses associated with participation in and traveling to NAIC meetings in accordance with the NAIC Consumer Representative Expense Guidelines below.

Expense Reports & Guidelines

2017 Funded Consumer Letter [PDF]
2017 Funded Consumer Criteria [PDF]

2017 Application for First-Time Funded Consumer Representatives and Those Applying for the First Year of a Two-Year Term

2017 Application for Current Funded Consumer Representative Applying for Second Year of Two-Year Term


Conflict of Interest Statement
Please note that every applicant must submit a Conflict of Interest form and an application along with all required attachments.


3.) Apply to be an Unfunded Representative

A third way to participate in NAIC meetings is available to individuals from consumer organizations that do not want or need to request reimbursement for travel expenses in order to participate.

Such individuals may apply to become an unfunded consumer representative by submitting the application below by 5:00 pm CT on Oct. 31.

2017 Unfunded Consumer Letter [PDF]

2017 Unfunded Consumer Criteria [PDF]

2017 Unfunded Consumer Representative Application