The Kansas City-based NAIC, at www.naic.org , is a national organization made up of insurance commissioners from all the states. States share information on insurance issues, and the new Web site contains rate and complaint information on most insurance companies.

For example, you can get complaint totals by state for selected companies. You can also access complaints by type of coverage and the disposition of the complaints.

The site also offers financial data about selected companies. All of this can help you make a wiser and more affordable choice in selecting an insurer.

Another value of the site, at www.insureuonline.org , is that it arranges information to help consumers with insurance as their needs change at different life stages.

For instance, it addresses the four main types of insurance — auto, home, life and health — in terms of the special needs for young singles, young families, established families and empty-nesters.

A recent survey by the NAIC found that many young singles fail to understand the value of various insurance programs, including car and life insurance.

There was also a concern about growing insurance scams, including the most recent wave of fake insurance policies that appear to cost less but fail to offer coverage.

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