Contracts & Compliance

Our seasoned contracts and compliance specialists, each with more than 15 years disability experience, have indepth knowledge across all group disability products that state filing and compliance vendors are generally not able to offer. Our understanding of the unique administration and risk cost drivers associated with disability income insurance, as well as our experience working with state regulators nationwide, provides you access to a higher level of specialization for more efficient and more accurate filing.

Customized Contract Drafting

Develop policy provisions that support new product initiatives
Prepare appropriate policy provisions for customized accounts

Remaining Competitive and Current

Recommend and provide revisons to policy revisions
Research and provide market intelligence on new trends and developments in policy language
Assist in the development of new group disability products and services

Compliance Bulletins and Blog:
Keeping You Abreast of Industry Changes

Provide updates on important disability industry regulations
Review regulatory and legislative bulletins
Inform you of changes to state and federal legislation

Contract Comparison

Analyze existing policy provisions against those used by competitors
Identify specific policy provisions that may pose potential risk and legal issues

Filing Assistance

Utilize the System for Electronic Rate and Form Filing (SERFF) capability
as Third Party Filer on behalf of clients
Prepare letters, transmittal forms and other required documentation
Develop policies and related forms with all required state variations
Respond to objections from state insurance departments
Perform all state form and rate filing activities on your behalf, or
provide support with your state filing projects
Provide policy issue guides to assist with group policy and
certificate administration