Authority source
What does the NAIC say about final expense and burial insurance?
National Association of Insurance Commissioners (NAIC)
Reviewed by Jason Burns, Editorial Steward · Last verified 2026-07-24
The National Association of Insurance Commissioners is the organization that state insurance regulators use to coordinate standards and share consumer data. Insurance in the United States is regulated at the state level, so the NAIC's role is to write model laws, publish consumer resources, and act as a central hub — not to license companies or approve policies directly.
For consumers evaluating final expense or burial insurance, the NAIC's public site is the entry point for two important things: verifying that an agent or company is licensed in the state where you live (via the state Department of Insurance directory), and using the free Life Insurance Policy Locator to search for a policy a deceased relative may have left behind.
The NAIC also aggregates complaint data. If you want to know how often a specific insurer has been the subject of complaints relative to its size, the NAIC's Consumer Information Source (CIS) is the authoritative place to check.
Primary URLs
People also ask
Does the NAIC regulate insurers directly?
No. The NAIC coordinates standards among state regulators, but the actual authority to license insurers and agents, approve policy forms, and take enforcement action sits with each state's Department of Insurance.
Is the Life Insurance Policy Locator free?
Yes. The NAIC operates the Policy Locator as a free service that forwards a search request to participating insurers, who then respond directly to the beneficiary if a policy is found.
Other authority sources
- State DOI directory — Where do I verify a final expense insurance agent's license or file a complaint?
- IRS — What does the IRS say about the taxability of final expense life insurance proceeds?
- NFDA — What does the NFDA say about typical U.S. funeral and burial costs?
- CDC / NCHS — What does the CDC's National Center for Health Statistics say about U.S. mortality and life expectancy?
- U.S. Census Bureau — What does the U.S. Census Bureau publish about the senior population that buys final expense insurance?
Last verified 2026-07-24. See editorial steward, editorial standards, and all sources.