FacultyFaculty/Author Profile

Ralph Spaulding

Hinman Straub

Albany, NY, USA


Ralph D. Spaulding is a principal at Hinman Straub, P.C. and a member of the Firm's Life Insurance department. Mr. Spaulding's practice focuses primarily on compliance matters relating to annuities, life insurance, funding agreements and other financial products offered by life insurers to their retail customers and institutional clients.

Mr. Spaulding worked for the New York Insurance Department for almost 29 years.  He served as a supervising attorney in the Department's Life Bureau responsible for overseeing the policy form approval process and assisting in the coordination of product related matters in market conduct exams. Mr. Spaulding drafted the group life and annuity product outlines on the Department's website and assisted in the development of approval standards for numerous innovative products, including synthetic GICs, deferred income annuities, equity indexed products, variable annuities with guaranteed living benefits and guaranteed separate account products in the pension and COLI/BOLI markets.

Mr. Spaulding has been a speaker at numerous conferences conducted by the Association of Insurance Compliance Professionals, Group Annuity / Pension Compliance Association, Life Insurance Council of New York, Society of Financial Examiners, NYS CLE Partnership and Practising Law Institute ("PLI").  Mr. Spaulding received a law degree from Albany Law School of Union University in 1981 and earned the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations in 1989 and 1990, respectively.

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