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With 30+ years of experience, we’ll help you navigate the jungle of regulatory filings.

The Jungle is always changing and the path to current markets across many product lines will be overgrown tomorrow.

The professional compliance consultants at SKM&A have over 30 years of experience across a wide variety of product lines, to help you stay ahead on the path through the jungle. Saving you from being blocked by lack of experience… not being familiar with specifics of state regulations… or not knowing how to efficiently clarify your offerings, and address the objections of each state’s insurance regulators.

We can help you stay on the path through the Jungle… file efficiently… negotiate successfully… and help you get your new products to market faster.

Our Services

Skillful Filings

We know the local customs of each state, and speak the language of local regulatory chiefs. So we can help you communicate the specifics of your products to regulators effectively.

It may be appropriate for you to take advantage of the Interstate Compact filing for certain products, or it may not. We can help you decide. We know how to integrate multi-state regulatory procedures, streamlining the process for you.

We do SERFF filings using your SERFF instance so that you have full control over the filing. Whether you need just a bit of assistance with short-term consulting, or a program of services designed to get you to market, SKM&A can help you…

  • Review policy forms
  • Draft forms
  • Submit forms
  • Negotiate with regulators to gain approval

Add the right mix of specialized services to help you bring your new product to market faster.

Our Services

Expert Policy Development

You want your product introductions to travel through the regulatory process without a hitch. And you want your products to be successful in the marketplace.

Sandra K. Meltzer & Associates can work with you to be compliant with regulatory requirements. Employing exceptional industry experience, across a wide range of product offerings, marketplace situations, and customized needs.

We’ll strategize with you to keep an integrated “look and feel” among your products. Make sure that you meet each state’s regulatory requirements. Maintain as much language as possible, maintain consistency across your product offerings. And help you customize your policies to meet both regulatory requirements and marketplace motivations. And if you’re planning to introduce a new product to the product jungle, we can help you plan your path.

Our Services

Astute Response & Negotiations

Only decades of experience are a reliable compass for gauging the needs and interpreting the language of regulators in every state. We make it our business to keep up with each state’s changing regulatory requirements. We know the maps and routes and regulatory paths.

We know when to negotiate. When to educate. When to advocate. Our time-tested negotiating skills have been gained from real-life experience in the compliance jungle. And we’ve built relationships of trust among many regulators, who appreciate our professionalism.

We can respond quickly to any objections regulators may have, and make sure your products don’t get lost in the jungle.  We also make sure your product integrity is maintained by seeking your approval of any proposed response. We cut down the time spent cutting through the compliance jungle. Frequently we can reduce this time from weeks or months of exchanges with regulators…to just a few days. And in some cases, even complete filings on the same day.

Our Services

Efficient Online Systems

SKM&A uniquely increases your speed to market by adding electronic and proprietary online systems to our people-oriented expertise. 

When we get your product to market electronically, our process will help you get.

  • our careful, professional check of regulatory requirements
  • MS Word document for your policy issue system
  • fast electronic filing with SERFF and the IIPRC
  • An exhibit with state specific changes required to attain approval
  • complete tracking of all transactions.

Our Services

Customized Research

When you need specific information to help you make key business decisions on the compliance path, Give us a call. You may want to explore potential opportunities.

We can help you research…

  • regulatory and filing questions
  • product development and review.
  • statutory analysis
  • advertising and marketing compliance.

In fact, we’ve got so much experience in the field of insurance compliance, that you could throw all kinds of special projects at us — even those that are not on our official jungle map — and we’d probably be able to help you, or steer you to competent guides in related industry fields. We’ll provide the people and expertise. You choose the path you need.