Insurance Regulatory Guidance

We know that regulatory scrutiny has increased from all angles on insurance carriers, financial services, intermediaries, and any company with an insurance-based or insurance-like product or risk. Our Insurance Litigation & Regulation Team’s regulatory lawyers have substantial industry connections and a keen understanding of the insurance regulatory system. We can help you traverse the network of regulators affecting your business and advise you on the regulatory issues that affect your core strategic business initiatives.

• Advised a large health insurance company on forming a risk retention group to insure stop-loss liability for self-funded ERISA health plans.
• National regulatory counsel to wireless handset insurance programs representing the largest wireless carriers in the United States and multiple vendors.
• Advised a large health care services company on producer licensing issues for a change in control of its broker subsidiary.
• Counseled a third-party administrator on whether guaranteed pricing for prescription drugs constitutes the business of insurance.
• Advised a national online car-buying platform on insurance regulatory issues for a buyer incentive program.
• Counseled a health insurer on producer licensing issues for a proposal to allow payment of premiums at retailers.
• Advised a life insurer on the permissibility of passing surcharges on to consumers when credit cards are used to pay premiums.
• Counseled an investment management company on forming a captive insurer to enter the Federal Home Loan Banks system and obtain favorable borrowing rates.
• Counseled an excess and surplus lines carrier on the legality of various forms of advertising in states where the carrier was not admitted.
• Insurance regulatory counsel to a multinational department store chain.
• Insurance regulatory counsel to a major national insurance carrier during Hurricanes Katrina and Rita.