Frohman Law Office, LLC | Nebraska Insurance Lobbying

Insurance Regulatory Practice

Frohman Law Office advises clients with respect to a broad range of national and international insurance regulatory matters, from the very essential advice with respect to application of specific insurance laws and regulations to "best practice" advice on evolving trends in regulation.

In-depth counsel is provided with regard to the following venues:

• National Association of Insurance Commissioners

  Guiding companies on model law development and best practice problem solving. Whether on product, market, corporate, or financial issues, Frohman will work to shape insurance regulatory policy for common sense results.

• State Insurance Departments

  Consultation, advice, research and representation on compliance matters raised by specific state insurance departments on market conduct, corporate, holding company, or financial issues with regard to simple inquiries or complex enforcement matters.

• International Association of Insurance Supervisors

  Monitor developing trends on international issues and regulatory implications for US-based insurance groups transacting insurance internationally.

• Congress, Federal Information Office, HHS, and other federal agencies and bodies

  Providing analysis of legislation, regulations, and potential impact. Accept specific engagements to advocate as well as assist with development of policy positions and tactical refinement of messaging on regulatory concerns.

Legislative Advocacy

Frohman Law Office provides advocacy services designed to meet client needs. From monitoring legislative and committee activity to advocating for the passage of legislation, Frohman provides consulting and lobbying services geared toward legislative solutions at the state and federal levels. Some times the best solutions are not legislative. Some times, they are.

In addition, Frohman can provide legal and historical research, bill drafting, and strategic consulting services. As a former government official, Frohman puts ethical and professional conduct at the forefront of her practice giving her clients the confidence knowing that all interests are approached honestly, with full disclosure of issues, and with candid advice.

At nineteen years of age, Frohman began her lobby career as a registered lobbyist for the student body while attending college. At the time, she was the youngest registered lobbyist in the state. Over the years, Frohman has been involved in bringing together stakeholders on issues before the legislature and working to find common legislative solutions, having monitored, drafted and testified on numerous bills over the course of two decades.

Ann M. Frohman

Ann Frohman has legislative and insurance regulatory law experience with state legislatures, Congress, the National Association of Insurance Commissioners, the International Association of Insurance Supervisors, insurance departments and other governmental boards and commissions.

Frohman began her insurance career while serving as a judicial clerk to the Nebraska Supreme Court in 1989 where she became interested in insurance disputes. Frohman has been involved with the NAIC for 20 years and has ample experience to serve clients on regulatory issues following an extensive career with the Nebraska Department of Insurance, including serving as its Deputy Director, General Counsel and Director.

Relevant Experience

• Sr. Vice President, Government and Industry, Physicians Mutual Insurance Company, Physicians Life Insurance Company

  Served on company's executive committee providing government relations oversight for product development, claims, and compliance for life, annuity, long-term care, health, dental and Medicare supplement insurance. Guided government relations at all levels including Congressional lobbying. Appeared before NAIC, served on AHIP Product Leadership Council.

• Director of Insurance, State of Nebraska

  Guided state initiatives on insurance matters, participated in selection of insurers for Medicaid program, applied for exchange grant funding; obtained legislative solutions to maintain solvency of Comprehensive Health Insurance Program.

• Member

  Interstate Insurance Compact, Solvency Modernization Task Force, State Claims Board, National Association of Insurance Commissioners, International Association of Insurance Supervisors, most NAIC committees and working groups.

• Administrator

  Medical Malpractice Excess Liability Fund; Comprehensive Health Insurance Pool.

• National Chair

  Finance Committee of Interstate Compact on Insurance.

• National Co-Chair

  Group Solvency Issues Working Group, which produced "Windows and Walls" roadmap for future solvency regulation of insurance groups in the US as well drafted National Association of Insurance Commissioners Model Law on Holding Companies 2010 amendments - lessons learned post AIG.

• Supervisory College

  Organized first US-based international Supervisory College for international regulatory dialogue and information sharing regarding Berkshire Hathaway's international insurance activities, as instructed by the G20 in 2008.

• FSAP Involvement

  International Review of US insurance regulatory system against IAIS International Financial Standards Assessment Process, International Association of Insurance Supervisors, IAIS ComFrame on development of Insurance Core Principles for IAIS respecting international group solvency.

• Insurance Receiver on Complex Insurers

  LandAmerica Financial Group, AmWest Surety Insurance Company, American Growers Insurance Company, Far West Insurance Company.

• Legislative Initiatives

  Testified before US Senate Finance, Special Committee on Capital Markets; lobbied Senate and House on insurance issues, appeared before Nebraska Unicameral on scores of bills before various committees on insurance, economic development and business issues including modifications to assure solvency of Comprehensive Health Insurance Pool, and enactment of NAIC Stoli Model.

• Deputy Director and General Counsel, Nebraska Department of Insurance

• Nebraska State Risk Manager

  Served as administrator of Nebraska State Claims Board and as administrator for employee benefits, health and workers compensation programs.

• Judicial Clerk - Nebraska Supreme Court

• Nebraska Department of Justice

Education/Licenses:

• J.D., University of Nebraska, Lincoln, College of Law, 1989
• B.S. Political Science, University of Nebraska, Kearney, 1985

In The News

• Frohman Law Office announces its principal attorney
  
  
• Frohman Law Office welcomes summer associate
  
  
• Making Sense of the Medigap Madness -- GSG Actuarial

The FLO on Medigap