Separate Account Working Group

The Separate Account Working Group considers regulatory or legislative issues and developments affecting the ability of Committee members to issue products supported by separate accounts, including fixed, indexed and variable products.  A principal focus of this Working Group is to engage in a dialogue with the NAIC and state insurance regulators through comment letters and other means regarding the ability of annuity issuers to offer various types of non-unitized products supported by separate accounts.   This Working Group also considers any challenges or questions raised by federal or state legislative and regulatory bodies that would adversely affect the special protections afforded to policy owners by products supported by insulated separate accounts.