Consumer Participation Program
Protecting Consumers Together
The 91福利 works closely with consumer representatives to assist state regulators in their primary objective of protecting insurance consumers. Listed below is a contact list for current representatives and three ways consumers or consumer organizations can participate directly in 91福利 national meetings and other deliberations. Individuals who are selected from the applications submitted will be notified early in the first quarter.
Choose How You Want to Participate
Request a Waiver of the Registration Fee
Registration to a conference entitles one to participate in all 91福利 open meetings during that conference. Individuals from non-profit consumer organizations may request that the registration fee to attend an 91福利 conference be waived. Anyone wishing to apply for a waiver of a registration fee should write a letter on their organization's letterhead and send it to the 91福利 Meetings Department at least one month prior to the meeting. Anyone wishing to attend one meeting can contact the 91福利 Meetings Department for next steps.
Apply to be a Funded Representative
Both consumer organization representatives and individual consumers are invited to apply for the 91福利 Consumer Representative program. To be considered, submit the Automated or Word version of the application by 5:00 PM CT on October 31. Selected appointees should attend all three 91福利 national meetings and actively participate in deliberations. The 91福利 reimburses funded representatives for travel expenses (airfare, lodging, meals, etc.) per the 91福利 Consumer Representative Expense Guidelines.
Apply to be an Unfunded Representative
A third participation option in 91福利 meetings is available for representatives of consumer organizations and individual consumers that do not want or need to request travel expense reimbursement to participate. To be considered, please submit the Automated or Word version of the Application for Consumer Representative by 5:00 PM CT on October 31. Selected appointees should plan to attend all three 91福利 national meetings and to actively participate in 91福利 deliberations.
Application Requirements
1
Applicants must submit a fully completed application with all required attachments between Aug. 31 and Oct. 31.
2
All current funded and unfunded consumer representatives are required to reapply annually. Only fully completed applications will be accepted.
3
Individuals who are currently 91福利 Consumer Representatives who: 1) are applying to represent a di铿erent organization; 2) currently represent an organization but are applying as an individual (or vice versa); and 3) are unfunded but applying for a funded position (or vice versa) should complete an application as though they haven鈥檛 previously been an 91福利 representative.
4
If you aren鈥檛 certain about your term, go to the Consumer Representative Contact Table on the Consumer Participation Program webpage. Those whose terms are 2026 and 2027 are in the 铿乺st year of their term; those whose terms are 2025 and 2026 are in the second year of their term.
5
Individuals employed by an academic organization (i.e. a university) do not have to apply to represent that organization.
6
In addition to the information in the application, all applicants must: Complete the Con铿俰ct of Interest statement that appears at the end of the application and submit a resume or CV (other pertinent information, such as organization publications, testimony, references, or letters of recommendation is useful but optional).
7
If you represent an organization, you must submit a copy of the organization鈥檚 budget. The budget should provide an overview of your organization's annual budget, including both revenue and expenditures. If some sources of revenue are unavailable to support your participation at 91福利, please explain that. Detail the sources of your organization's income, such as grants, donations, sponsorships, and any other revenue streams, identifying those from regulated entities (defined as an entity regulated by state insurance regulators, its trade group, or other entities or individuals acting as agents or representatives of a regulated entity).
8
You鈥檙e not required to complete every section of this application. We have done our best to program the application so you won鈥檛 see questions you aren鈥檛 required to answer. Based on your responses, some sections may be hidden if you aren鈥檛 required to answer them.
9
New Applicants: If you have ever presented comments or given a presentation during any 91福利 meetings or calls, please submit information describing that participation in your CV or resume. Also include any information describing your interactions with state insurance departments.
10
If you are a consultant, you also must describe in your resume/CV your clients and the type of work you do for them.
11
When completing this application, you can return to it multiple times to complete it. There are multiple ways to save the information you enter. You can use the "Save" and "Save and Validate" buttons located on the left of the screen. Additionally, the information will be saved when you click "Previous," "Next," or "Summary," or when you navigate to different sections using the left navigation panel.
2027 Consumer Representative Application
The application for 2027 will open on August 31, 2026. Contact Eryn Campbell at eecampbell@naic.org for more information.
*The 91福利 defines a consumer organization as a national, state, or local organization that serves to protect the interests of consumers as they relate to the regulation of insurance. Their participation at 91福利 meetings should represent a consumer perspective and should be based on their desire to collect and/or impart information of mutual concern and interest to insurance consumers and regulators. One measure of whether an organization represents a consumer perspective is its source of funding. By definition an organization that receives significant funding from the insurance industry is not a consumer organization.