Currin Compliance Services, LLC

The Insurance Compliance Authority

Compliance and regulatory consulting and legal services for the life insurance and annuity industry.

At Currin Compliance Services, LLC, we provide guidance and expertise in all facets of life and annuity compliance. We can help you with a 50-state filing, a research project, a one-state submission, marketing and sales materials, federal assistance, and more. Click on the headings below (or scroll down) to read more about some of our services.

Advertising Review and Filings – Advertising does not always need to be filed, but it must always comply with state and federal laws. We can assist in your company’s advertising review by product line or on a piece-by-piece basis.

Certification Filings – Several states require certifications of compliance with laws and regulations prior to filing. New York and Illinois are perhaps the two states where the consequences of failing to do a complete review are the most well-known. But there are others that may cause unexpected problems. We can help by reviewing your submissions prior to completion of the certifications. We can help you to identify potential compliance problems and decide how you want to address them.

General Compliance Consultations – We consult with insurers about a wide variety of issues from day-to-day questions that need an answer before heading into a meeting to projects that involve extensive amounts of research, we can provide you with the information you need on your schedule.

Interstate Compact Filings – This is a newer area for us but as the Interstate Compact has picked up steam, we have picked up expertise. We look forward to doing more of these as more of our regular clients use it more.

Form and Rate Filings – This was our bread and butter early on and it is still a significant part of what we do. For some clients we take a one-state policy form filing package that is, they think, ready to go and we do a final review for anything they may have missed. For others, we start from scratch with the product specifications and we draft the generic policy form, do any necessary state variations, and then the 50-state filing. We do everything in between. There will always be a soft-spot in our hearts - and in our workload – for form and rate filings.

Training – Rather than outsourcing a specific type of work, would you prefer training? We do training sessions on specific issues, doing business in a particular state or for a unit or department. We address your needs.

Our staff regularly reviews life insurance and annuity products for compliance with state and federal law, and prepares single, interstate compact and multiple state filings, paper or SERFF. We provide expert advice on the various filing options available and help shepherd products through the approval process once a filing method has been selected, working with clients to respond to any questions or objections raised by regulators.

A significant and growing part of our consulting is assisting companies with the post-approval review process as the New York State Department of Financial Services focuses more of its attention on that method of regulation.

In addition to product submissions, we assist with company and agent licensing, financial and market conduct examinations, drafting and submitting Plans of Operations, making requests for specific regulatory actions and determinations, and advocating for our clients with insurance regulators on a variety of life insurance and annuity issues.