The National Association of Insurance Commissioners (NAIC)

The National Association of Insurance Commissioners (NAIC) is a U.S. organization that brings together state insurance regulators to coordinate policies, share information, and establish standards for the insurance industry. Its goal is to promote fair, competitive, and financially sound insurance markets, protect consumers, and improve regulation. While it doesn't create laws, the NAIC develops guidance and model laws that states can adopt to ensure consistent and effective oversight across the country. Essentially, it helps regulate insurance companies to ensure they are stable and treat customers fairly.