Policy Filings, Legal and ComplianceDates Employed: 1994 – PresentGreater Chicago Area• I assist in drafting A&H and Life insurance policy forms, riders, applications and endorsements to support product development and product change initiatives.• Researching state laws to develop special state versions of Accident and Health and Life insurance policies, certificates and endorsements prior to filing.• File Life, Accident and Health products from submission to approval with State Insurance Regulatory Departments.• Make recommendations for resolving dispositions received in each state.• Once state approval is received, I work with various company departments in getting the form(s) implemented.• Review and analyze state laws to assure product and company compliance; • Provide guidance to various parts of business unit on regulatory matters affecting products.• Involved in fulfillment of forms and testing of products before forms are moved to production for issuance.• Handle inquiries from Legal and/or Compliance on Market Conduct or other Regulatory areas related to status and determination of documents as well as gathering appropriate samples from internal files upon request. • Provide guidance whenever possible to our Worksite team and to other unit members as needed.• 26+ years, Life and Health Insurance Compliance experience.Knowledge of:DisabilityAccidentSicknessCancerCritical CareWhole LifeUniversal LifeLevel Term Life Medicare Form\Rate FilingsGroup Critical IllnessGroup AccidentMost of my work experience has been with Combined. While with Combined I completed the following AHIP courses: Health Insurance Associate (HIA), Disability Healthcare Professional (DHP)Disability Income Associate (DIA) designationsHealth Care Anti-Fraud Associate (HCAFA).