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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 should be directed to the Insurance Licensing Section.


Consumer complaints and questions involving any of the types of forms reviewed by the Life Bureau may 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: olukemi.sotimehin@dobi.nj.gov

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

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: gayatri.hariharan@dobi.nj.gov

Michael Becht, FLMI
Insurance Analyst
Specialties: Individual General Account Annuity; Fraternal Benefit Society; Variable Annuity form filings; and Annuity Disclosure Documents
E-mail: michael.becht@dobi.nj.gov

Morgann Hegarty
Clerk Typist
E-mail: morgann.hegarty@dobi.nj.gov

 
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

Please Note:

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


Consumer complaints and questions involving any of the types of forms reviewed by the Health Bureau may 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).

For information regarding the Individual Health Coverage (IHC) Program or the Small Employer Health (SEH) Program, please visit their web site or call 609-633-1882.

Lila J. Tyson
Chief, Health Bureau
Specialties: Large Group Hospital/Surgical/Medical; Group and Individual Dental, Vision, Hearing Care, and Prescription Drug; HSC; Student; HMO; and Multiple Employer Welfare Arrangement benefit materials.
Email: lila.tyson@dobi.nj.gov

James A. Benyon, FLMI, HIA, MHP
Insurance Analyst
Specialties: Group Medicare Supplement; Stop-Loss; Group Accident-Only; Group Hospital Confinement Indemnity; Group Critical Illness; and Group Specified Disease form filings.
Email: james.benyon@dobi.nj.gov

Frank M. Biskup, FLMI
Insurance Analyst
Specialties: Large Group Health; Individual Medicare Supplement form filings.
Email: francis.biskup@dobi.nj.gov

Glenn Lurie, FLMI, AIRC, ACS
Insurance Analyst
Specialties: Individual Accident-Only; Individual Disability; Individual Hospital Confinement Indemnity; Individual Critical Illness; and Individual Specified Disease form filings.
Email: glenn.lurie@dobi.nj.gov

Nicholas Mitses
Insurance Analyst
Specialties: Large Group Hospital/Surgical/Medical; Group and Individual Dental, Vision, Hearing Care, and Prescription Drug; HSC; Student; and HMO form filings.
Email: nicholas.mitses@dobi.nj.gov

Veena Singh, MA, MCRP
Analyst, Research and Evaluation
Specialty: HMO/PPO Performance Report
Email: veena.singh@dobi.nj.gov

Charles R. Uhl, FLMI, HIA, MHP, ALHC, PAHM
Insurance Analyst
Specialties: Group Disability including Temporary Disability Benefit (TDB); Long Term Care; Group and Individual Pre-Paid; Legal Blanket; and Group Term Life form filings.
Email: charles.uhl@dobi.nj.gov

 
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New Jersey Department of Banking and Insurance