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

The Life 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.

The Health Bureau is responsible for the review and approval of individual and group health insurance forms, group term life forms, and pre-paid legal forms 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, as well as pre-paid legal service contracts sold to individuals. The Bureau also reviews and approves rates for such coverages in the individual market.

With the exception of hospital-medical contracts sold to individuals and small employers, the Bureau is responsible for the review of all individual and group health insurance, HMO, HSC, DPO, DSC, group term life insurance, and group pre-paid legal service contracts, certificates, riders, amendments, applications, and other forms required to be submitted to the Department.

 
Life Bureau Staff
NJ Department of Banking and Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625-0325
Phone: 609-292-7272
FAX: 609-633-0527

Please Note:

Questions on agent or broker licensing must be directed to the Insurance Licensing Section.


Consumer complaints or questions involving any of the types of forms reviewed by the Life Bureau must be submitted to the Consumer Inquiry and Response Center (CIRC) in writing, or made by telephone to 1-800-446-7467 (if calling from NJ) or to 609-292-7272 (if calling from outside of NJ).

Olukemi Sotimehin, FLMI
Chief, Life Bureau

Specialties: Universal Life Insurance; Credit Life and Health Insurance; Group Life Other Than Term; and Long-term Care Rider form filings
E-mail

Kevin Clarkson, FSA, MAAA
Life Actuary
Specialties: Life Insurance and Annuities; Credit Rate Deviations; Separate Accounts
E-mail

Gayatri Hariharan, FLMI, ACS, AIRC
Insurance Analyst
Specialties: Individual Life Insurance including Term; Whole Life; 40 States; Accelerated Death Benefit; and Viatical Settlement Providers form filings
E-mail

Michael Becht, FLMI
Insurance Analyst
Specialties: Individual General Account Annuity; Fraternal Benefit Society; Variable Annuity form filings; and Annuity Disclosure Documents
E-mail

Morgann Hegarty
Clerk Typist
E-mail

 
Health Bureau Staff
NJ Department of Banking and Insurance
20 West State Street
PO Box 325
Trenton, NJ 08625-0325
Phone: 609-292-7272
FAX: 609-633-0527

E-mail: lifehealth@dobi.nj.gov

Please Note:

Questions on agent or broker licensing must be directed to the Insurance Licensing Section.


For information regarding the Individual Health Coverage (IHC) Program or the Small Employer Health (SEH) Program, please visit the IHC/SEH web site or call 609-940-7608.

Consumer complaints or questions involving any of the types of forms reviewed by the Health Bureau must be submitted to the Consumer Inquiry and Response Center (CIRC) in writing or made by telephone to 1-800-446-7467 (if calling from NJ) or to 609-292-7272 (if calling from outside of NJ).

All other types of health questions that do not pertain to a filing currently under review by a specific analyst must be directed to lifehealth@dobi.nj.gov

Vacant
Chief, Health Bureau

Frank M. Biskup, FLMI
Insurance Analyst
Specialties: Large Group Hospital/Medical/Surgical (other than Horizon); Group and Individual Medicare Supplement; Group Dental (other than Pediatric Dental and ACA Dental); Group/Any Size Group Hospital/Surgical/Medical (other than Horizon); and Student Health form filings.
E-mail

Glenn Lurie, FLMI, AIRC, ACS
Insurance Analyst
Specialties: Individual Accident-Only/AD&D; Individual Disability; Individual and Group Hospital Confinement Indemnity; Individual Critical Illness; Individual Specified Disease; Individual Dental (non-ACA/Pediatric); and Assumption Agreement form filings.
E-mail

Nicholas Mitses
Insurance Analyst
Specialties: Large Group/Any Size Group Hospital/Surgical/Medical (Horizon) and Major Medical PPO/POS/EPO; Individual Hospital/Surgical/Medical; Group and Individual Dental (Pediatric and ACA Dental only); Hearing Care; Prescription Drug; HSC; and HMO form filings.
E-mail

Veena Singh, MA, MCRP
Analyst, Research and Evaluation
Specialty: HMO/PPO Performance Report
E-mail

Charles R. Uhl, FLMI, HIA, MHP, ALHC, PAHM
Insurance Analyst
Specialties: Group Disability including Temporary Disability Benefits (TDB) and Family Leave Benefits; Group and Individual Long Term Care; Group and Individual Pre-Paid Legal; Blanket; Group Accident/AD&D; Group and Individual Vision, Stop-Loss, Group Term Life form filings.
E-mail

 
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New Jersey Department of Banking and Insurance