State regulated life insurance is a terribly deceptive form of marketing insurance companies, and agents use to trick you into thinking you can get government-backed life insurance at little or no cost. The truth is you're being offered life insurance, and it's not special, unique, or exclusive to people in your state. It's not backed or endorsed by any federal, state, or local government. If you respond to one of these advertisements, expect life insurance agents to show up at your door to sell you a policy.