Why it matters
Insurance is mainly regulated by states, not the federal government. Each state has its own code and a department of insurance that enforces it. Many states base rules on NAIC model laws, but the details differ, such as free look length and replacement forms. Agents must follow the code in the state where the client lives. Families can find their state's department through the NAIC directory and file complaints there.
Source: naic.org
Read next, for agentsHow to get a multi-state life insurance license: resident first, then nonresident