# What does the NAIC say about final expense and burial insurance?

_National Association of Insurance Commissioners (NAIC)_

> **Direct answer.** The NAIC is the U.S. standard-setting body of state insurance regulators. It does not sell or license insurance itself — life insurance, including final expense (burial) policies, is regulated by each state's Department of Insurance. The NAIC publishes consumer guides, aggregates state complaint data, and operates the free Life Insurance Policy Locator that helps beneficiaries find lost policies.

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
- [NAIC — Consumer resources](https://content.naic.org/consumer)
- [NAIC — main site](https://content.naic.org)
- [NAIC — Life Insurance Policy Locator](https://content.naic.org/consumer/life-insurance-policy-locator.htm)

## 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.

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- Author / Reviewed by: Jason Burns, Editorial Steward — https://finalexpensedirectanswers.com/steward
- Published: 2026-07-24
- Modified: 2026-07-24
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