Insurance is regulated on a state by state foundation, not on the federal degree. This implies that there isn't any single agency chargeable for monitoring how life insurance is offered and no single group chargeable for guaranteeing that the foundations and legal guidelines are being adopted. In most states, the agency it is advisable to contact is known as the state insurance division, however the title could range from one state to a different. For instance, some states have a state insurance fee, and others embrace insurance monitoring and regulation within the state's Department of Commerce. Without understanding which state you reside in, there isn't any means advising you of the precise title of the agency you will want to contact. You can discover out what the title of the group is in your state through the use of a search engine akin to Yahoo or Google, and typing the title of the state you reside in, adopted by the phrase "insurance division," and urgent ENTER. This will offer you an inventory of organizations associated to insurance, starting together with your state after which increasing to different states farther down the search outcomes. To refine the search in order that it solely shows authorities places of work, append "web site: .gov" (with out the citation marks) to the tip of your of your search question. This trick will work in Google however could not work with different search engines like google and yahoo, akin to Yahoo or Bing. Alternatively, you should use a web site which gives the knowledge for all states in a single location. A superb supply for info of this kind is the National Association of Insurance Commissioners, or NAIC. This group gives many forms of insurance info in addition to a web page devoted to the names and speak to info of the insurance departments for all the United States. The web page for that info is obtainable at //www.naic.org/state_web_map.htm, and may be accessed from any net browser.
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