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NJ Department of Banking and Insurance
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Life and Health Bureaus
 
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Life Insurance Bureau Staff
Health Insurance Bureau Staff
Individual Life & Annuity Submissions Checklist
Life & Health Actuarial
Managed Care
Valuation Bureau
   
Submission of Life, Health, and Annuity Forms:
   
 

The Life Insurance Bureau is responsible for the review and approval of life insurance forms, annuity contracts and synthetic guaranteed investment contract (GIC) forms issued in New Jersey to ensure that they comply with insurance laws and regulations.

This review includes individual and group forms, separate account contracts and credit insurance. The Bureau regulates the rates for credit insurance and rate changes for indeterminate premium forms where the insurer reserves the right to change premiums. The Bureau approves separate accounts for domestic insurers, and reviews forms necessary to implement rehabilitation plans and the restructuring of policies to conform to the terms of such plans.

Note: Questions on agent or broker licensing should be directed to the Insurance Licensing Section.

The Health Insurance Bureau is responsible for the review and approval of individual and group health insurance contracts and rates within the Department’s jurisdiction.

The Bureau reviews all disability income, long term care, Medicare supplement, accident-only, hospital confinement indemnity, dental care and vision care health insurance contracts sold to individuals. The Bureau also reviews and approves rates for such coverages in the individual market.

With the exception of group hospital-medical contracts sold to individuals and small employers, the Bureau is responsible for the review of all group health insurance contracts, group term life insurance contracts, and health maintenance organization contracts.

Note: Questions on producer licensing should be directed to the Insurance Licensing Section.

Note: Consumer complaints and questions involving life and health insurance must be submitted to the Consumer Inquiry and Response Center (CIRC) in writing.

 
Life Insurance Bureau Staff
NJ Department of Banking and Insurance
20 West State Street
P.O. Box 470
Trenton, NJ 08625-0470
Phone: 609-292-5427
FAX: 609-633-0527
 
Olukemi Sotimehin, FLMI
Acting Chief, Life Insurance Bureau

E-mail: olukemi.sotimehin@dobi.state.nj.us

Kevin Clarkson, FSA, MAAA
Life Actuary
Specialty: Life Insurance and Annuities, Credit Rate Deviations, Separate Accounts
E-mail: kevin.clarkson@dobi.state.nj.us

Gayatri Hariharan, FLMI, ACS, AIRC
Insurance Analyst
Specialty: Individual Life Insurance including Term, Whole Life form filings, 40 States filings, Accelerated Death Benefit, and Viatical Settlement Providers form filings
E-mail: gayatri.hariharan@dobi.state.nj.us
Michael Becht, FLMI
Actuarial Intern
Specialty: Individual General Account Annuities and Fraternal Benefit Societies form filings, Variable Annuities, and Annuity Disclosure Documents
E-mail: michael.becht@dobi.state.nj.us
 
Health Insurance Bureau Staff
NJ Department of Banking and Insurance
20 West State Street
P.O. Box 470
Trenton, NJ 08625-0470
Phone: 609-292-5427
FAX: 609-633-0527

James A. Benyon, FLMI, HIA, MHP
Insurance Analyst
Specialty: Individual and Group Medicare Supplement, Group Health including Stop-Loss, Dental, Accident Only, Critical Illness, Specified Disease, Vision, and other group form filings.
Glenn Lurie, FLMI, AIRC
Insurance Analyst
Charles R. Uhl, FLMI, HIA, MHP, ALHC, PAHM
Insurance Analyst
Specialty: Group Life and Health including Group Long Term Care, Legal Insurance, TDB, Selective Contracting Arrangements, Health Service Corporations, SEH decreasing benefit riders and other group form filings

For information regarding the Individual Health Coverage (IHC) Program visit its web site or call 609-633-1882
 
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New Jersey Department of Banking and Insurance