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 will be notified in early 2019.

*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.

2019 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
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

2019 Funded Consumer Letter

2019 Funded Consumer Criteria

2019 Application for First-Time Funded Consumer Representatives and Those Applying for the First Year of a Two-Year Term

2019 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.

Application Instructions:
Online Survey Monkey applications for 2019 consumer representatives are now available. The application period is August 31, 2018 until 5:00 pm Central time October 31, 2018.

Please note: All existing funded and unfunded 2018 consumer representatives must reapply for 2019 submitting a fully-completed application and conflict of interest statement as well as emailing all required attachments to

For funded representatives to determine whether to use the First or Second Year Application, please see the Table for Public Use above. If the term listed is 2017 and 2018, use the First Year Application. If the term listed is 2018 and 2019, use the Second Year Application.

Unfunded representatives use the same application regardless of whether this is the first or second year of their term.

It is important to read the application carefully as changes have been made to the criteria and application process. One of the changes made by the NAIC/Consumer Board of Trustees to the Plan of Operation for the NAIC Consumer Participation Program effective in 2017 was that late applications – those submitted after the deadline - would no longer be considered by the board.

Only electronic applications submitted via the Survey Monkey links online will be accepted. Paper applications will not be accepted.

Please allow enough time to complete and submit your application in one sitting on the same device. There is no time limit on the application so it can be left open for an unlimited time should the need arise; however, you cannot close the application. If you do, all information will be lost and you will need to start over.

If you would like a printed version of your submission, please request it in the email you send with the required attachments and we will send it to you.


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.

2019 Unfunded Consumer Letter

2019 Unfunded Consumer Criteria

2019 Unfunded Consumer Representative Application