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National Association of Insurance Commissioners

Last reviewed
Author
Aaron Bollinger
Reviewer
Brian Bollinger
Sources
9 records

Verified identity

The National Association of Insurance Commissioners (NAIC) describes itself as the U.S. standard-setting organization, founded in 1871 and governed by the chief insurance regulators from the 50 states, the District of Columbia, and five U.S. territories to coordinate regulation of multistate insurers [1]. NAIC states that it provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers, and that it also provides consumer protection and education, data collection and analysis, technology, financial assessments and reporting, and licensing and testing [1]. On model laws, NAIC states that once its members have adopted a model law it becomes a priority of the NAIC, and that the goal is to encourage legislatures or regulatory bodies to adopt the model law, with as few changes as possible, in a majority of states within three years after its adoption by the NAIC members [7]. For consumers, NAIC's own consumer page carries no NAIC phone line and routes complaint filing to the insurance department of the state where you live [2].

Official channels

  • Our Story (NAIC self-description)

  • Consumer hub

  • Model Laws - About

  • Publications catalog

  • Contact

  • Consumer routing (start here): Contact the insurance department in the state where you live - NAIC's consumer page publishes no consumer phone line and routes complaint filing to a state-by-state selector [2]. NAIC's Consumer Insurance Search results page likewise tells you to contact the insurance department where you live if you cannot find a company [4].

  • NAIC general inquiries: (816) 783-8500 / help@naic.org - Published on NAIC's Contact page as general inquiries. This is an organizational line, not a consumer complaint line [3][2].

  • Executive Office (Washington, DC): 1101 K Street, N.W., Suite 650, Washington, DC 20005 / (202) 471-3990 - Listed on NAIC's Contact page [3].

  • Central Office (Kansas City): 1100 Walnut Street, Suite 1000, Kansas City, MO 64106-2197 / (816) 842-3600 - Listed on NAIC's Contact page [3].

  • Capital Markets and Investment Analysis Office (New York): One New York Plaza, Suite 4210, New York, NY 10004 / (212) 398-9000 - Listed on NAIC's Contact page [3].

Contact details are copied from the organization's own published pages and re-checked on the dates in the source ledger. Confirm before you rely on one.

Records you can look up yourself

  • Consumer Insurance Search (CIS) - A company search across state-submitted information. NAIC warns that an insurance company may have different subsidiaries with different names and tells you to check your policy for the correct name; it tells you to check your state insurance department's website to confirm the company or HMO is licensed, and to contact the insurance department where you live if you cannot find a company [4]. NAIC's consumer page describes CIS as a way to find information about insurance company complaints, licenses, and financial health [2].

  • Closed Confirmed Consumer Complaints by Reason (CIS) - NAIC states it produces reports combining data submitted by state insurance departments, providing information about common closed complaints by reason and type of insurance and how the complaints were resolved [5]. NAIC's complaint article adds that the compiled data is closed, confirmed complaint information and is searchable by state, company, and insurance type for the past three years [6].

  • NAIC consumer tools hub (includes the Life Insurance Policy Locator) - This link reaches NAIC's consumer hub, not the locator itself. NAIC describes the Life Insurance Policy Locator on that hub as a free tool that helps beneficiaries search for unclaimed life insurance policies, alongside an Online Fraud Reporting System, the Global Receivership Information Database, a glossary, a Consumer Participation Program, and learning resources [2].

Statutory basis

  • 15 U.S.C. section 1012 (McCarran-Ferguson Act) - The federal backdrop for state-based insurance regulation. Subsection (a) subjects the business of insurance, and every person engaged in it, to the laws of the several States relating to the regulation or taxation of that business; subsection (b) provides that no Act of Congress invalidates, impairs, or supersedes a state insurance law unless the Act specifically relates to the business of insurance [9]. We do not use this statute to describe NAIC's own legal status, which it does not address.

  • NAIC Model Laws - About (NAIC's stated adoption goal) - This is NAIC's own process page, not a statute. NAIC states that adoption of a model law requires at least a two-thirds majority vote of the NAIC Executive (EX) Committee/Plenary, that an adopted model becomes a priority of the NAIC, and that the goal is to encourage legislatures or regulatory bodies to adopt it, with as few changes as possible, in a majority of states within three years [7]. Whether a given model has been enacted in a given state, and in what amended form, has to be checked against that state's own statutes and regulations.

Publications and guides

  • NAIC publications catalog (consumer guides) - This link reaches the catalog, not an individual guide. The catalog lists consumer titles including Consumer Guide to Title Insurance, Consumer's Guide to Annuities, Consumer's Guide to Auto Insurance, Consumer's Guide to Cancer Insurance, Consumer's Guide to Earthquake Insurance, Consumer's Guide to Homeowners Insurance, Consumer's Guide to Life Insurance, Consumer's Guide to Long-Term Care Insurance, and Consumer's Guide to Medigap [8]. The title insurance guide is the one catalog entry printed without an apostrophe-s, as Consumer Guide to Title Insurance; we reproduce NAIC's spelling rather than regularizing it [8].

  • How to File a Complaint and Research Complaints Against Insurance Carriers - NAIC's own explanation of complaint research, and the source of the complaint-index caveats reproduced below [6].

What this page does not claim

  • We publish no financial strength rating, ranking, or summary for any insurer, and we use no best, cheapest, or most reliable language about any company. NAIC itself advises that you should not use just one factor to decide which insurance company to use, and that you should compare the complaints, financials, and direct premiums written of several companies [6].

  • We do not treat the NAIC complaint index as a quality score. NAIC states that a company's complaint index can vary not only due to fluctuations in the company's complaints or premiums but also due to fluctuations in the complaints or premiums of the U.S. market for the type of insurance being sold [6].

  • We make no statement about NAIC's own legal authority, and specifically we do not say whether NAIC does or does not license, rate, approve, or regulate insurers. The NAIC pages we read do not address that, and it would be a legal question for a lawyer. We also do not claim NAIC has reviewed or endorsed this page.

  • We do not claim that any NAIC model law is in force in California or in any other state, and we do not state that a company found or not found in Consumer Insurance Search is licensed or unlicensed. NAIC directs you to confirm licensure with your own state insurance department [4].

Source ledger

9 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

  1. [1]
    Our Story(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Maintained by NAIC; self-description changes infrequently.ID naic-about
    What this source supports (3)
    • The page states: Founded in 1871, the U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia, and five U.S. territories to coordinate regulation of multistate insurers.
    • The page states that the National Association of Insurance Commissioners provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers.
    • The page states that NAIC also provides consumer protection and education, data collection and analysis, technology, financial assessments and reporting, and licensing and testing.
    Active
  2. [2]
    Consumer(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Maintained by NAIC consumer outreach.ID naic-consumer
    What this source supports (4)
    • The page describes Consumer Insurance Search as a way to find information about insurance company complaints, licenses, and financial health.
    • The page describes the Life Insurance Policy Locator as a free tool that helps beneficiaries search for unclaimed life insurance policies.
    • The page also lists a Glossary of Insurance Terms, How to File a Complaint, a Consumer Participation Program, Learning Resources, an Online Fraud Reporting System, and the Global Receivership Information Database.
    • The page publishes no NAIC telephone number and routes consumers who want to file a complaint to their own state insurance department through a state selector.
    Active
  3. [3]
    Contact(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Re-verify phone numbers and addresses before republishing.ID naic-contact
    What this source supports (4)
    • NAIC publishes a general inquiries telephone number of (816) 783-8500 and a general inquiries email of help@naic.org.
    • NAIC publishes an Executive Office at 1101 K Street, N.W., Suite 650, Washington, DC 20005, telephone (202) 471-3990.
    • NAIC publishes a Central Office at 1100 Walnut Street, Suite 1000, Kansas City, MO 64106-2197, telephone (816) 842-3600.
    • NAIC publishes a Capital Markets and Investment Analysis Office at One New York Plaza, Suite 4210, New York, NY 10004, telephone (212) 398-9000.
    Active
  4. [4]
    Consumer Insurance Search Results - CIS(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Underlying data is refreshed from state insurance department submissions.ID naic-cis
    What this source supports (4)
    • The page returns company search results and states: Your search matched the companies displayed below.
    • The page states that an insurance company may have different subsidiaries with different names, and tells the reader to check their policy for the correct name.
    • The page tells the reader to check their state's insurance department website to confirm the Company or HMO is licensed, as well as to obtain information on other Companies or HMOs licensed in their state.
    • The page states that if the reader was unable to find a company using the CIS Company Search, they should contact the insurance department where they live.
    Active
  5. [5]
    Closed Confirmed Consumer Complaints by Reason - CIS(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Aggregated periodically from state insurance department submissions.ID naic-cis-agg-reason
    What this source supports (2)
    • The page states that the NAIC produces reports combining data submitted by state insurance departments.
    • The page states that these reports provide information about common closed complaints by reason and type of insurance, as well as how the complaints were resolved.
    Active
  6. [6]
    How to File a Complaint and Research Complaints Against Insurance Carriers(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Consumer article maintained by NAIC; underlying complaint data covers a rolling three-year window.ID naic-complaint-article
    What this source supports (5)
    • The article states that the NAIC compiles closed, confirmed complaint information about insurance carriers from state insurance departments.
    • The article states that you can look up information by state, company, and insurance type for the past three years.
    • The article states that you should not use just one factor to decide which insurance company to use.
    • The article states that you should compare the complaints, financials, and direct premiums written of several companies.
    • The article states that a company's complaint index can vary not only due to fluctuations in the company's complaints or premiums but also due to fluctuations in the complaints or premiums of the U.S. market for the type of insurance being sold by the companies.
    Active
  7. [7]
    Model Laws - About(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Maintained by NAIC; model law adoption charts update as states act.ID naic-model-laws-about
    What this source supports (3)
    • The page states that once the NAIC members have adopted a model law, it becomes a priority of the NAIC.
    • The page states that the goal is to encourage legislatures or regulatory bodies to adopt the model law, with as few changes as possible, in a majority of states within three years after its adoption by the NAIC members.
    • The page states that the final hurdle in NAIC's own adoption process is a minimum two-thirds majority vote of the NAIC Executive (EX) Committee/Plenary in favor of adoption of the model law.
    Active
  8. [8]
    Publications(opens the original record on National Association of Insurance Commissioners)
    National Association of Insurance CommissionersStandards bodyPrimaryJurisdiction USLast checked August 31, 2026Updates: Guides are reissued in new editions periodically.ID naic-publications
    What this source supports (4)
    • The NAIC publications catalog lists consumer titles including Consumer Guide to Title Insurance (TTL-CG), Consumer's Guide to Annuities (ANB-LP, ANB-LE, ANB-LS), Consumer's Guide to Auto Insurance (AUT-PP), Consumer's Guide to Cancer Insurance (CAX-PP), Consumer's Guide to Earthquake Insurance (EQU-PP), Consumer's Guide to Homeowners Insurance (HOI-PP), Consumer's Guide to Life Insurance (LIG-LP), Consumer's Guide to Long-Term Care Insurance (LTC-LP), and Consumer's Guide to Medigap (MED-LP).
    • The catalog title for the title insurance guide is Consumer Guide to Title Insurance, without an apostrophe-s, unlike the other consumer guide titles in the catalog.
    • The catalog contains a consumer guide to earthquake insurance.
    • The catalog page also points readers to an NAIC Library for archived publications.
    Active
  9. [9]
    15 U.S.C. section 1012 - Regulation by State law; Federal law relating specifically to insurance; applicability of certain Federal laws after June 30, 1948(opens the original record on Legal Information Institute, Cornell Law School)
    Legal Information Institute, Cornell Law SchoolPrimary lawPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: Changes only by act of Congress.ID usc-15-1012
    What this source supports (3)
    • Subsection (a) provides that the business of insurance, and every person engaged therein, shall be subject to the laws of the several States which relate to the regulation or taxation of such business.
    • Subsection (b) provides that no Act of Congress shall be construed to invalidate, impair, or supersede any law enacted by any State for the purpose of regulating the business of insurance, or which imposes a fee or tax upon such business, unless such Act specifically relates to the business of insurance.
    • Subsection (b) further provides that after June 30, 1948, the Sherman Act, the Clayton Act, and the Federal Trade Commission Act shall be applicable to the business of insurance to the extent that such business is not regulated by State law.
    ActiveReproduction
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Cite this page

These records contain public page facts only: title, operator, dates, canonical URL, and content version. They never include a question, an input, or an identifier.

Plain text

BestInsurance Research. "National Association of Insurance Commissioners." WJB Services, Inc. dba Bollinsure Insurance Services. Published August 31, 2026. Last reviewed August 31, 2026. Content version 2026.08.31. https://bestinsuranceresearch.com/companies/naic

BibTeX

@misc{bir-naic-2026,
  title        = {National Association of Insurance Commissioners},
  author       = {Aaron Bollinger},
  organization = {BestInsurance Research},
  institution  = {WJB Services, Inc. dba Bollinsure Insurance Services},
  year         = {2026},
  month        = {08},
  note         = {Last reviewed August 31, 2026; content version 2026.08.31},
  howpublished = {\url{https://bestinsuranceresearch.com/companies/naic}},
  urldate      = {2026-08-31}
}

CSL JSON

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Machine-readable record for this page: /companies/naic.json

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