Legislative and Regulatory Trends in the Insurance Industry

---

Judy Zaiken, CLU, ChFC

Judy Zaiken is corporate vice president, responsible for leading strategic research initiatives for LIMRA. In this capacity, she works across the enterprise to identify research opportunities as a result of evolving regulations and advancing technology that will lead to the development of member solutions.

Before assuming her current role, Zaiken led the LIMRA Secure Retirement Institute research program. Prior to joining LIMRA in 2014, she was responsible for annuity product strategy and business development for MassMutual Financial Group.

Zaiken holds a Master of Business Administration from Western New England University and a Bachelor of Arts in Economics from Framingham State University.

---

Carol T. McClarnon

Carol McClarnon has more than 20 years of experience providing legal guidance on ERISA and tax compliance to both employers and employee benefit service providers. A member of Sutherland’s Tax Practice Group, Carol typically advises financial services companies on ERISA and tax issues that impact their retirement services and insurance product operations. In addition, she routinely works with securities counsel to perform legal analyses on cutting-edge annuity and retirement plan products that are under development.

Carol represents plan sponsors and service providers before the Internal Revenue Service (IRS) and the Department of Labor, obtaining prohibited transaction exemptions, private letter rulings and/or voluntary compliance relief. She works with the full range of retirement plans for both public and private employers. Carol has been active in the American Bar Association, where she served as a vice chair of the Employee Benefits Law Committee of the Tort and Insurance Practice Section and as a member of the Employee Benefits Committee of the Section of Taxation.