ERISA, the Employee Retirement Income Security Act, primarily governs employee benefit plans, such as retirement plans and health insurance provided by employers. However, it generally does not directly regulate individual life insurance policies. Life insurance policies offered by employers as part of employee benefits may fall under ERISA regulations, but individual life insurance policies purchased independently are typically not subject to ERISA. It's important to note that while ERISA may not directly govern individual life insurance policies, it can still have an impact on certain aspects, such as beneficiary designations in employer-sponsored life insurance plans. Additionally, state insurance regulations play a significant role in overseeing and regulating life insurance policies. Therefore, when considering the regulatory framework for life insurance, it's essential to understand the interplay between ERISA and state insurance laws. Overall, while ERISA primarily focuses on employee benefit plans, its influence on life insurance is more indirect and nuanced, particularly in the context of employer-provided coverage. It's advisable to consult with a qualified insurance professional or legal advisor for specific guidance on the intersection of ERISA and life insurance.