Which organization coordinates insurance regulation activities among state insurance departments?

• A. American Council of Insurance Regulators
• B. Council of Insurance Regulators
• C. International Association of Insurance Regulators
• D. National Association of Insurance Commissioners NAIC

Answer: (D)

Coordination of insurance regulation across state departments is handled by a national body of state regulators. The National Association of Insurance Commissioners (NAIC) serves as the forum where regulators from all states share information, develop model laws and regulations, and promote uniform standards for solvency, consumer protection, and market conduct. It’s a voluntary association, not a federal agency, whose purpose is to harmonize regulation across jurisdictions and support consistent oversight. The other organizations listed aren’t the recognized coordinating body for state regulators, so NAIC is the correct one.