Life insurance filing requirements

How do I file?

All filings must be submitted through SERFF.

For individual annuity and variable annuity contracts

For individual fixed annuity (includes related riders and applications):

Questions? Contact Richard Einhorn.

For individual variable annuity (includes related riders and applications):

Questions? Contact Scott Henderson

For individual life, universal life and variable universal life

For whole life, term life and indeterminate premium (This includes related riders and applications):

  • Policy,
  • John Doe application,
  • Life illustrations or a Statement of Cost and Benefit Summary,
  • Illustration Actuary Certification,
  • Actuarial memo, and
  • Disclosure, see WAC 284-23-350 - Disclosure requirements.

For universal life and variable universal life:

  • Policy,
  • John Doe application,
  • Illustration,
  • Illustration Actuary Certification, and
  • Actuarial memo.

Questions? Contact Richard Einhorn

For group universal life, life, annuity

File the following for in-state and out-of-state.

For group universal life and group life:

  • Group policy,
  • Certificate,
  • Application,
  • Enrollment form, and
  • Actuarial memo.

Questions? Contact Mike Bryant

For group variable annuity:

  • Group policy,
  • Certificate,
  • Application,
  • Enrollment forms,
  • Actuarial memo, and
  • John Doe schedule page of the certificate.

Questions? Contact Scott Henderson

For out-of-state associations and trusts under group plans:

Signed trust documents or Articles of Incorporation and by-laws, see:

For life settlements

File the following:

  • Life settlement contract (purchase agreement),
  • Disclosure statement,
  • Request for verification of coverage, Life settlement filings are to be completed in John Doe fashion.

See also:

Questions? Contact Alan Hudina

Life and annuity actuarial memo requirements

The actuarial memo should be prepared and signed by a qualified actuary and include the following:

  • Policy and certificate form numbers,
  • A brief description of the type of policy, benefits, renewability, general marketing method, and issue age limits.
  • If applicable, target groups and group sizes, and
  • Demonstration, including numerical examples of compliance with the Standard Nonforfeiture Law

Updated 03/27/2014

See also

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