Associate Counsel, Annuity & Life Insurance Product
About The Position
We’re looking for an Associate Counsel, Annuity & Life Insurance Product to provide legal leadership across the full lifecycle of annuity and life insurance products. The primary role of this individual will be to represent the Legal & Compliance department as a partner to the Product Development & Implementation Team, advising on product design, regulatory compliance, and distribution strategy. You’ll play a critical role in supporting new product launches and ongoing management of in‑force business, while identifying and mitigating legal risk in complex, high‑impact situations. This position requires a strategic, business‑oriented attorney with deep insurance expertise and the ability to influence cross‑functional stakeholders.
Requirements
- Law degree (J.D. or equivalent) and bar admission required, with practice and knowledge annuities and life insurance products.
- 7+ years of relevant experience either with a law firm, insurance company, or other financial services institution.
- 5+ years of progressive experience in annuities and life insurance products.
- Experience working closely with Distribution, Actuarial, Product Filing and Operational functions.
- A strategic end to end view in organizing and planning work or initiatives and ability to deliver exceptional results and outcomes that involve managing or influencing others.
- A mastery of both written and oral communications with the goal to provide concise, clear messaging to persuade the audience, especially at the executive level.
- Deep knowledge of annuity and life insurance products and associated regulatory requirements
- Ability to identify, assess, and manage legal risks in complex, high‑impact business scenarios
- Expertise supporting product development and multi‑channel distribution strategies, including contract negotiation
- Communicates complex legal concepts clearly and provides persuasive, actionable guidance to senior stakeholders
- Strong partner across Product, Distribution, Actuarial, and Compliance teams to align legal and business objectives
- Brings a proactive, solutions‑oriented mindset with the ability to manage multiple priorities and deliver results
Responsibilities
- Provide legal guidance on the design and development of annuity and life insurance products
- Review policy forms, administrative materials, product illustrations, and operational guidelines
- Act as a core member of the Product Development & Implementation Team, ensuring legal alignment through product launches
- Ensure products, marketing, and operations comply with insurance regulations (e.g., suitability, replacements, sales practices)
- Identify legal risks across complex and ambiguous scenarios and develop practical mitigation strategies
- Draft legal memoranda, documentation, and recommendations to support risk‑informed decision‑making
- Partner with Distribution to support expansion across independent, bank, and broker‑dealer channels
- Draft and negotiate selling agreements and related distribution contracts
- Provide ongoing legal support for channel‑specific regulatory and operational considerations
- Advise on legal and compliance matters related to in‑force annuity and life insurance blocks
- Support resolution of product‑related legal issues as they arise across the business
- Collaborate closely with Product, Actuarial, Compliance, and Operations teams to align legal guidance with business objectives
- Partner with the Deputy General Counsel, General Counsel, and broader Legal & Compliance team on key initiatives and regulatory responses
- Participate in business meetings to proactively identify legal considerations and support execution timelines
Benefits
- Comprehensive medical, dental, and vision coverage
- HSA and 401(k) company match
- Paid time off
- Employer-paid life and disability insurance
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
Ph.D. or professional degree
