Ralph Spaulding Email & Phone Number

Practice focuses primarily on compliance matters relating to annuities, life insurance, funding agreements and other financial products offered by life insurers to their retail customers and institutional clients. Such matters include assisting in product development and securing approvals, providing guidance on market conduct issues (advertisements, replacements, illustrations) and corporate conduct matters relating to discretionary elements under such products and corporate transactions.

Supervisised staff of 15 attorneys in the Life Bureau responsible for approving all life insurance and annuity products sold in New York. Developed approval guidelines for innovative products (including synthetic GICs, guaranteed paid-up deferred annuities (longevity insurance), equity indexed products, variable annuities with guaranteed living benefits and guaranteed separate account products in the pension and COLI/BOLI markets), drafted all 12 group related product outlines on the NYSID website and the Department's Report on suitability. Prior to joining the Life Bureau, I worked in a supervisory capacity in the Health & Life Policy Bureau of NYSID responsible for group life, group accident and health and group annuity products sold in New York.

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Ba, Mathematics, History & Philosophy

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