Become an NAIC Consumer Representative

Help bring consumer perspectives and expertise to insurance regulatory discussions at the national level. Applications for the 2027 program year are now open until October 31, 2026.

Apply Here

What Is the Consumer Participation Program?

The NAIC Consumer Participation Program brings consumer perspectives directly into insurance regulatory discussions and policymaking. It was established in 1991 to encourage meaningful consumer participation into discussions.

Consumer Participation in Regulatory Discussions

Consumer Representatives participate in meetings alongside state insurance regulators and other stakeholders, providing expertise and viewpoints on issues that affect insurance consumers.

Experts Dedicated to Consumer Interests

Consumer Representatives are advocates, academics, researchers, consumer-focused nonprofit organizations, public interest organizations, educators, and subject-matter experts from across the country.

Ensuring the Consumer Perspective Is Represented

The program is intended to ensure that consumer interests are considered as regulatory policy is developed.

Who Should Apply?

The program is seeking individuals who:

  • Advocate for consumers or policyholders
  • Work in consumer-focused, public interest, research, academic, policy, legal, housing, elder advocacy, or financial literacy fields.
  • Have expertise in insurance issues or consumer impacts of insurance regulation.
  • Are interested in engaging directly with insurance regulators on consumer issues
  • Can provide independent perspectives on consumer impacts and outcomes.
  • Applicants who receive funding from the insurance industry or other regulated entities must provide detailed information about the funding and any potential conflicts of interest.

What Participation Looks Like

  • Commit to a two-year term.
  • Attend three in-person NAIC national meetings and additional virtual meetings each year.
  • Contribute expertise and consumer perspectives to regulatory discussions.
  • Serve as a funded or unfunded representative, based solely on travel support eligibility.
  • Funded representatives receive travel assistance when organizations cannot cover costs; unfunded representatives use their own funding sources.
  • Bring long-term engagement or issue-specific expertise to ongoing regulatory discussions.

Explore the Consumer Participation Scholarship Program

Not ready to commit to a two-year term? The Consumer Participation Scholarship Program offers an opportunity to participate in one future NAIC meeting without committing to a full Consumer Representative appointment. It is designed for individuals who want to learn more about the NAIC and the Consumer Participation Program or who can contribute valuable expertise to NAIC discussions.
Application Details

Who Should Consider the Scholarship Program?

The program is open to individuals with valuable subject-matter expertise and/or new perspectives who are interested in learning more about the NAIC and engaging in insurance regulatory discussions.

What Does the Scholarship Include?

Scholarship recipients receive travel and registration support to attend one future NAIC meeting. Applications are accepted on a rolling basis.

*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.