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SKM&A

Whether you need SKM&A’s help because of your heavy workload…accelerated timetables…or expertise in filing and negotiating, We stand ready to help you carry your compliance load, and guide you through the regulatory jungle.

Sandra K. Meltzer & Associates, Inc. is considered a leading firm providing insurance compliance consulting services to insurance companies, actuarial firms, third-party administrators, broker-dealers, and financial marketing firms. Since 1994, SKM&A has been working with insurance companies across the United States. Our client base consists of large and small insurance companies specializing in life and health insurance.

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Sandy Meltzer

Sandy Meltzer is President of Sandra K. Meltzer & Associates, Inc., and has 30+ years of extensive experience in insurance compliance. Before opening SKM&A, Sandy was a key part of the insurance compliance practice of Tillinghast – Towers Perrin, a leading actuarial firm. Sandy further specializes in insurance contracts and regulation regarding group and individual insurance; fixed and variable annuities and life policies; life and accident and health products including disability income; excess interest and universal life products. Sandy has attained the FLMI, CPCU and CLU designations and is an active member of the Life and Health Compliance Association (LHCA).

Our insurance compliance consultants have traveled the compliance jungle, and understand your needs

Let’s talk about your day-to-day responsibilities for just a minute —

please choose your area of interest in the insurance field, from the links on the left.

When you’ve got to bring new products to market in 50 states, you’ve got your work cut out for you. As you work with VPs of Product Development and Compliance, and with Project Managers, you need to know that your state submissions are being done quickly and efficiently. You know that speed to market is vital.

You know that product integrity is absolutely vital. And that some products can be filed with minimal changes across state lines. The expert insurance compliance consultants at SKM&A help you file intelligently and efficiently.

Working with regulators in a changing industry to educate and advocate on your behalf. Even blazing new paths as the marketplace evolves.

We know the issues you’re dealing with…how can we help?

Many internal departments. A series of new products. Fifty states and the U.S. territories. How can you keep up with your company’s product offerings?

You’ll want to know that our status reports make it easy for you to keep up. And they’re constantly updated, accurate within minutes. So you’re ready with any information you need for a meeting, or surprise question on product or state status, within moments.

In addition to the regulatory expertise that your associates expect, you’ll also want to know that we provide an MS Word document for you policy issue system…document conversion to image-oriented PDF files…fast electronic filing with SERFF and complete tracking of all  transactions.

We know the issues you’re dealing with…how can we help?

Few people understand the needs of actuaries like SKM&A. In fact, our experience working with actuaries over many years makes us unique in the field of insurance compliance.

We know how important it is to you to have an investment risk that is acceptable to your company. To have proper compliance. That you have product integrity, despite state variability. To ensure pricing doesn’t step off the path of state regulatory standards.

Ultimately, while we get your products to market faster, we get them there with “dotted i’s” and with “crossed t’s”. Our professional compliance experience and attention to detail helps you ensure the success of your new products.

We know the issues you’re dealing with…how can we help?

You can’t market a product if you don’t have it in your hands. SKM&A knows that you want to reach the marketplace in the states of your choice ASAP. And we help your compliance people do that.

When you bring SKM&A into the picture, you get expertise – we don’t tend to get tripped up, even by the toughest regulatory undergrowth, or the thorniest issues. So there’s no lost time in the compliance jungle.

Our status report help your project managers keep you advised as to when your new products are ready to roll out, so you can plan your product launches more easily.

We know the issues you’re dealing with…How can we help?

We know that managing your department means trusting in the skills and expertise of a variety of people in your company, and specialists who support your company’s interests. Market conduct is critical. And you internal departments must have the tools they need from us, so that they can do a great job.

When it comes to compliance expertise, you can trust our experience, efficiency, and processes.

After all, not only do we have the policy-building and negotiating skills, built over 30 years of industry involvement…but we also have fine-tuned project management tools that are updated to keep you informed of the progress of the project.

We know the issues you’re dealing with…how can we help?