Fred Garsson is a seasoned insurance and reinsurance regulatory attorney who concentrates his practice on advising insurance industry clients on matters involving U.S. federal and state insurance laws (focusing on New York) and sophisticated national and international regulatory matters.Fred has vast experience representing life, health, long-term care, and property/casualty insurers, reinsurers and insurance producers in corporate and regulatory matters, including holding company transactions, reinsurance and assumption transactions, forming and licensing of insurance companies, insurance producers, reinsurance intermediaries and independent insurance adjusters. He also has experience drafting and analyzing insurance policies, annuity contracts, reinsurance agreements, and agency and brokerage agreements. Fred has represented clients in connection with the regulatory aspects of sales, acquisitions, and mergers of insurers and reinsurers. He has also represented clients before numerous state insurance agencies, and advises insurance industry clients with respect to corporate and insurance regulatory and compliance matters. Such matters include rebating, transacting an unauthorized insurance business, aiding unauthorized insurers, obtaining financial statement credit for unauthorized ceded reinsurance, financial condition and market conduct examinations, the permissibility of insurance company investments, policy cancellation and non-renewal requirements, stock redemptions, quasi-reorganizations, demutualizations, forming purchasing groups and captive insurers, piercing the corporate veil, declaring and paying policy and corporate dividends, Regulation XXX securitizations and life settlements securitizations. Fred also handles matters related to InsurTech, including advising insurance companies on regulatory and transactional issues involved in adopting new technologies.Fred is admitted to practice in New York and New Jersey.