Policy Approval Bureau

The Policy Approval Bureau (PAB) reviews life and disability insurance policy form filings that are subject to prior approval under the California Insurance Code. These filings include policy forms for non-health disability insurance (including accident, accidental death and dismemberment, disability income, long-term care, disability supplemental to life insurance, and the disability component of travel insurance), group life insurance, variable life insurance, variable annuities, modified guaranteed annuities, guaranteed separate account products (including guaranteed investment contracts and synthetic guaranteed investment contracts), credit insurance, and certain administrative forms, such as insurer name change forms. PAB also reviews advertising for long-term care insurance (both standalone and hybrid life-long-term care products), and chronic illness accelerated death benefits defined in Insurance Code section 10295. In addition, PAB provides legal counsel to the Insurance Commissioner and works on legislation and regulations in its areas of expertise.

The Assistant Chief Counsel for the Policy Approval Bureau is Beverly Brand.