Life insurance is regulated by various entities depending on the country. In the United States, for example, life insurance is primarily regulated at the state level. Each state has its own insurance department or division that oversees the regulation of insurance, including life insurance. These departments are responsible for ensuring that insurance companies comply with state laws and regulations, protecting consumers, and promoting fair and competitive insurance markets. They may have the authority to license insurance companies, review insurance policies, investigate consumer complaints, and enforce laws and regulations related to life insurance. Additionally, there may be federal agencies, such as the Federal Insurance Office (FIO) within the U.S. Department of the Treasury, that have oversight responsibilities for certain aspects of the insurance industry. It's important to note that regulations and regulatory bodies may vary in different countries, so it's always a good idea to consult the specific regulations and authorities in your jurisdiction.