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 1 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-funded Consumer Representative program. To be considered, please submit the Application for Consumer Representative by 5:00 PM CT on October 31. Selected appointees are expected to attend all three NAIC national meetings and actively participate in NAIC deliberations. In return, the NAIC will reimburses funded consumer representatives for travel (airfare, lodging, meals, etc.) expenses associated with participation in and traveling to NAIC meeting 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 individuals that do no want or need to request travel expense reimbursement to participate. These individuals can apply to become unfunded consumer representatives by submitting the 2025 Automated Application for Consumer Representative by 5:00 PM CT on October 31. Selected appointees are expected to attend all three NAIC national meetings and actively participate in NAIC deliberations.
Preview Application Questions Before Automation Setup
Important: Please note that the 2025 Application for Consumer Representative below is for reference only. It contains the questions you will need to answer, but it is not to be used as your official application. Review the questions in the PDF to prepare your responses, which you will need to submit electronically in the automated application system.
View Questions2025 Automated Application For Consumer Representative
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. After your request, you will 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).
Requirements & Renewals
Applicants must 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 must reapply annually using the automated application. Only applications with conflict of interest statements included will be accepted; paper submissions will not be considered.
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.