The National Association of Insurance Commissioners
Every state has an assigned chief insurance regulatory officer and also in U.S. territories. These insurance regulatory officers make up the non-profit National Association of Insurance Commissioners or NAIC. They are tasked primarily to look after the interest of insurance policyholders in a different number of ways. This is of course without prejudice to the insurance companies.
The NAIC can provide education, forum for formulation of a common policy when uniformity is required. Instruments for public policy of the NAIC are regulations and guidelines and other model laws. These laws, guidelines and regulations may be adopted by the States either wholly or modified and tailor fitted to their needs and conditions.