Our attorneys have earned a national reputation in the area of annuity and life insurance products regulation. We have extensive experience with the design, marketing, sale, and regulation of variable annuities and variable life insurance products, individual and group annuities, contingent deferred annuities, fixed indexed annuities, market value adjustment (MVA) products, COLI/BOLI, funding agreements, stable value wrap contracts, and other innovative products. Our work on behalf of clients includes all aspects of federal and state regulation involved in bringing an insurance product to market, including advice and counseling on matters such as:
- Product design
- Policy drafting and state and IIPRC approval
- Insurance licensing and expansion of authority
- Public offerings and private offerings
- Marketing, sales, and communication practices
- Distribution relationships with producers, managing general agents, and underwriters
- Suitability and replacement requirements
- Tax issues related to insurance products
- ERISA compliance
- Anti-money laundering and OFAC compliance