Tim O'Connor's Blog

Variable Annuity Contract Theft

In the past several years, a number of criminal, regulatory, and civil claims have been filed by victimized investors, who have had monies and assets fraudulently diverted from their variable annuity contracts.  Oftentimes, these variable annuity contracts are held in Individual Retirement Accounts and individual retirement annuity accounts maintained by trusting, unsophisticated investors, who are easily […]

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Former Hartford Life Insurance Company and Nationwide Life Insurance Company Appointed Agent Matthew Ryan Sentenced to 10 Years in Prison for Securities Fraud Involving Theft from Variable Annuity Contracts

On Wednesday, October 13th, Matthew John Ryan, a former Appointed Agent for The Hartford Life Insurance Company and Nationwide Life Insurance Company, was sentenced to 10 years in prison for his guilty plea relating to the theft of variable annuity contract assets transferred into his control from Hartford and Nationwide variable annuity contracts.  Ryan admitted creating […]

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Variable Annuity – A License to Steal? Unsafe at Any Speed?

In the past several years, we have seen the theft of millions of dollars of contractual benefits, assets, and coverages from variable annuity contracts issued by prominent, multi-billion-dollar financial services and insurance conglomerates, such as The Hartford and Nationwide Life Insurance Company.  The scheme of the now-convicted felon and Appointed Agent for Hartford Life Insurance […]

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Improper Life Insurance and Variable Annuity Replacements in Violation of Regulation 60 Rules of the Insurance Department of the State of New York

Regulation 60 of the New York State Insurance Department requires that brokerage firms, stockbrokers, financial advisors, and insurance salesmen who recommend the replacement of existing insurance coverages, such as whole life insurance policies, as well as variable annuity policies, properly complete, file, and present required disclosures of any such proposed replacements, for customer signature.  The […]

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What is a Medallion Signature Guarantee?

The Medallion Signature Guarantee is an accepted protocol within the Financial Services Industry whereby certified signature guarantors, usually affiliated with an established financial institution, serve as signature guarantors for certain financial documents requiring the heightened level of review, scrutiny and security offered by the Medallion Guarantee Signature Guarantee Program. Medallion Signature Guarantees are now required […]

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