Edmund J. Zaharewicz

Edmund Zaharewicz has more than 25 years of experience counseling clients on a broad range of state and federal securities, insurance, and retirement law matters. Ed focuses on legal and regulatory matters affecting the development, distribution, sale, and administration of life insurance and annuity products and related investment and retirement products.

His practice includes advising clients with respect to bank- and corporate-owned life insurance products, individual and group annuity products, stable value products, registered and private placement variable life insurance products, mutual funds, and private investment funds for institutional and high net worth clientele. He represents insurance companies, investment advisers, and investment companies in regulatory compliance examinations and investigations and has counseled mutual fund boards on various regulatory and fiduciary matters.

He also advises in a wide variety of related areas, including insurtech, e-commerce, privacy, data security, anti-money laundering, custody of client assets, agent licensing and supervision, insurable interest, group life eligibility, assumption reinsurance transactions, fund mergers and liquidations, proxy statements, regulatory filings and reporting, product and client disclosures, soft dollar arrangements, suitability, product advertising, client communications, market conduct standards, personal securities transactions, codes of ethics, and trading practices.

Speaking Engagements

"Insurance Illustrations Roundup: The Current Regulatory and Litigation Landscape," Association of Life Insurance Counsel Fly-In, New York, NY (October 20, 2026)​​​​​​​

"Training Seminar on Securities, Insurance, and Tax," Carlton Fields Client Presentation (June 2022)

"State Insurance Regulatory Developments," Carlton Fields (June 23, 2020)

"Product Development: Fee-Based Annuities," Insured Retirement Institute ACTION19 Conference, Washington, D.C. (May 16, 2019)

"Blockchain and Bitcoin: Impact on Insurance Industry," American Council of Life Insurers Financial & Investment Roundtable, Sea Island, GA (March 2018)

"Cybersecurity Update: Managing Regulatory Challenges — Blockchain: Risk and Benefits," Insured Retirement Institute Government, Legal & Regulatory Conference, Washington, D.C. (June 2017)

"Enterprise Risk Management and Regulatory Roundtable: Understanding Blockchain," Regulatory Enforcement & Enterprise Risk Management, National Advanced Forum on Life Insurance Litigation, American Conference Institute, New York, NY (April 19, 2017)

"State Regulatory Update," Client Focus Forum, Baltimore, MD (October 2016)

"Federal Regulatory and FINRA Update," Client Focus Forum, Denver, CO (October 2015)

Ed co-chairs the firm's Financial Services Regulatory Practice. He is a graduate of the Massachusetts Institute of Technology, where he earned his B.S. in electrical engineering.