Consumer
Consumer Participation Program
Protecting Consumers Together
The NAIC works closely with consumer representatives to assist state regulators in their primary objective of protecting insurance consumers. Listed below is a contact list for current representatives and three ways consumers or consumer organizations can participate directly in NAIC national meetings and other deliberations. Individuals who are selected from the applications submitted will be notified early in the first quarter.
Choose How You Want to Participate
#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 a waiver of a registration fee should write a letter on their organization's letterhead and send it to the NAIC Meetings Department at least one month prior to the meeting. Anyone wishing to attend one meeting can contact the NAIC Meetings Department for next steps.
#2
Apply to be a Funded Representative - Both representatives of consumer organizations and individual consumers are invited to apply for the NAIC Consumer Representative program. To be considered, please submit the Automated or Word version of the Application for Consumer Representative by 5:00 PM CT on October 31. Selected appointees should plan to attend all three NAIC national meetings and to actively participate in NAIC deliberations. The NAIC reimburses funded consumer representatives for travel (airfare, lodging, meals, etc.) expenses necessary to participate in NAIC meetings in accordance with the NAIC Consumer Representative Expense Guidelines below.
#3
Apply to be an Unfunded Representative - A third participation option in NAIC meetings is available for representatives of consumer organizations and individual consumers that do not want or need to request travel expense reimbursement to participate. To be considered, please submit the Automated or Word version of the Application for Consumer Representative by 5:00 PM CT on October 31. Selected appointees should plan to attend all three NAIC national meetings and to actively participate in NAIC deliberations.
2025 Automated Application Instructions
Please review the instructions for completing the 2025 Automated Consumer Representative Application. Applications will need to be submitted electronically in the automated application system using Google Chrome (please do not use Firefox or Mozilla) and this link https://rdc.naic.org which can be found below.
View InstructionsHow to Access the Automated Application Form
To gain access to the automated application form, you need to request your ID and role assignment from the Help/Service Desk by emailing help@naic.org. Please ensure you make this request when you have a few free hours available. Please send an email (sample wording below) to the NAIC Help Desk to obtain access to the 2025 Automated Consumer Representative Application.
Sample Email
To: help@naic.org
I am seeking to fill out the (newly online) application for a term as a Consumer Representative. Per Lois Alexander, this requires me to have an “LDAP ID and role.” This is done by me sending this email and providing to you the following information:
Name: ________ ___________
Email: ____________________
Phone: XXX-XX-XXXX
Please let me know if you need any further information.
Thanks.
How to Get Your User ID and Access
The NAIC Help Desk will send the LDAP ID and NETIQ role so we can assign a user ID and notify you when it is available for your use. This may take a day or two. After your request, you may receive an email with the subject “Do Not Reply,” which will contain a temporary password. Use this password to access the tool, then immediately change it and set up multi-factor authentication. Note that the temporary password is only valid for two hours. For this reason, we recommend contacting the Help Desk during its business hours (6:00 am – 8:00 pm, Monday through Friday).
2025 Automated Application For Consumer Representative
To ensure that applicants do not experience any undue stress and that they have an opportunity to apply prior to the Oct. 31 due date, Word document applications (download and save to your desktop from the link below) as well as automated applications will be accepted. If you do not receive confirmation of your application within one week of submission, please contact Lois Alexander at lalexander@naic.org or consumerrepapps@naic.org.
Requirements & Renewals
Applicants should submit a fully completed application with all required attachments between August 31 and 5:00 pm Central time on October 31.
All current funded and unfunded consumer representatives are required to reapply annually. Only fully completed applications with signed conflict of interest statements included will be accepted.
Funded/Unfunded Representative Criteria & Letters
*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.