Final answer:
The National Association of Insurance Commissioners (NAIC) is responsible for ensuring that federally regulated insurance companies are adequately capitalized.
Step-by-step explanation:
The organization responsible for ensuring that federally regulated insurance companies are adequately capitalized is the National Association of Insurance Commissioners (NAIC). The NAIC is a voluntary association of state insurance regulators that works to coordinate and harmonize insurance regulations across the United States. They set minimum capital requirements for insurance companies to ensure their financial stability and protect policyholders. By enforcing these standards, the NAIC helps maintain the solvency of insurance companies and the stability of the insurance industry as a whole.