Judith Hasenauer is a principal in the law firm of Blazzard & Hasenauer, P.C. She is a 39 year veteran of the financial services industry and devotes her practice to the development and regulatory clearance of variable annuities and variable life insurance products, mutual funds, broker-dealers and investment advisers.

Judith started her career in the financial services industry with the consulting and administrative service subsidiary of what is now Swiss Re, where she was assistant vice president and counsel to the systems development element of her company and served as a registered principal of the company’s broker/dealer.

For the past 36 years she has been in private law practice in the law firm she helped found. She represents insurers, money managers and distributors in the design and regulatory clearance of variable insurance products and of the mutual funds that underlie them. She also works with FINRA member firms and investment advisers, assisting them with regulatory concerns.

She has been an active participant in the Insured Retirement Institute (IRI and formerly NAVA) from its inception and headed the Regulatory Affairs Committee for twelve years. As the chair of the Committee, she had been one of the leading spokespersons for the Association to the Securities and Exchange Commission and the other regulatory bodies, such as the FINRA.

As chair of the Prospectus Simplification Sub-committee of the Association’s Regulatory Affairs Committee, Judith led the negotiations to obtain IRI’s no-action letter from the SEC permitting profiles. She has served as the primary draftsperson for Association’s proposal for a revised registration form for variable annuities. Her ideas are a key element in what IRI hopes will be a more simplified and expedited method for registering and updating variable annuity products.

From 2006 – 2009, Judith was the legal counsel to the IRI Straight-through Processing (STP) initiative. She provided not only legal advice to the project but also facilitated a number of the working groups and drafted or provided assistance with the development of the operating standards and model documents that were published by IRI for use by its members.

Throughout her long career, Judith has been responsible for many innovations and breakthroughs in our industry. For example, she is the originator of the Contingent Deferred Sales Charge – an innovation that revolutionized not only the variable annuity and variable life insurance business, but the mutual fund industry, as well. She has worked not only with companies developing or selling registered products, but Judith has worked extensively with companies in the development of private placement products, including both on and off-shore.

In October, 2002, Judith was inducted into the NAVA Hall of Fame. This award recognized Judith’s life time achievements and contributions to the variable contract industry.

Judith is a graduate of the University of Rochester with a degree in general science, and of Golden Gate University with a J.D. degree. She also holds a designation as a Chartered Life Underwriter. She is admitted to practice law in California, Connecticut, New York, the District of Columbia and Florida.


Bryan Cave

Bryan Cave LLP

Bryan Cave LLP is a leading business and litigation firm with global reach, a strong reputation and a long history of success. We do interesting and challenging work for a diverse client base, including businesses, financial institutions and not-for-profit organizations, government entities and individual clients. With more than 1,000 attorneys and other professionals in 19 offices worldwide, we pride ourselves on proactive, solution-oriented work in every major area of interest to clients.

Bryan Cave LLP - Private Client Group

Personal service and attention to individual, business, and family circumstances are hallmarks of Bryan Cave's private client practice. Members of the Group counsel and represent clients throughout the United States, Europe, the Far East, and elsewhere, ranging from individuals, families, and closely-held businesses to major trust and charitable institutions. Our lawyers have served the trusts and estates and related needs of a large number of distinguished families for many years, assisting and advising them in perpetuation of their personal wealth and investments for later generations. We serve a large number of senior executives and important shareholders of Fortune 500 and other corporate and financial clients, as well as many entrepreneurial and "new venture" investors and owners. Through our overseas offices and affiliations, we represent U.S. citizens who have interests overseas and foreign nationals who have investments or other business interests in the United States.

Lawrence Brody

Lawrence Brody is a Partner of Bryan Cave LLP, an international law firm, resident in the St. Louis office. He is a member of its Private Client Service Group and its Technology, Entrepreneurial & Commercial Practice Client Service Group. He is an Adjunct Professor at Washington University School of Law, teaching Estate Planning and Drafting, a visiting Adjunct Professor at the University of Miami Law School, teaching a course on Life Insurance, and is the author or co-author of numerous articles and books on the use of life insurance in estate and employee benefit planning, including two BNA Tax Management Portfolios, two books for the National Underwriter Company, and a number of volumes in the ABA Insurance Counselor Series. Mr. Brody is a member of both The American College of Trust and Estate Counsel (ACTEC) and The American College of Tax Counsel, is a frequent participant at ALI-ABA programs and Society of Financial Professionals programs and teleconferences, and has spoken at all major life insurance industry programs (including the MDRT, the Top of the Table, AALU and the International Forum), many local estate planning council meetings, a number of state bar association conferences, and many national estate planning programs. He is a member of the Advisory Committee for the Philip E. Heckerling Institute on Estate Planning, of the University of Miami School of Law, and a member of the Editorial Boards of BNA’s Estates, Gifts, and Trusts Journal, and the Society of Financial Service Professionals CLU Journal. Mr. Brody received the designation of Accredited Estate Planner by the National Association of Estate Planners and Councils, and was one of ten individuals awarded its Distinguished Accredited Estate Planner designation in the initial class, in 2004.



Appleby is the leading provider of offshore legal, fiduciary and administration services. With an unparalleled presence in the key offshore jurisdictions of Bermuda, the British Virgin Islands, the Cayman Islands, Isle of Man, Jersey, Mauritius and the Seychelles, the group offers advice on offshore law. We also have offices in the international financial centres of London, Hong Kong, Zurich and Bahrain.

Over 800 lawyers and professional specialists deliver sophisticated, specialised services, primarily in the areas of Corporate and Commercial; Litigation and Insolvency; Private Client and Trusts; and Property. We advise global public and private companies, financial institutions, and high net worth individuals, working with them and their advisers to achieve practical solutions, whether in a single location or across multiple jurisdictions.

Brad Adderley
Brad Adderley is a Partner and member of the Insurance Team within the Corporate and Commercial Practice Group, joining the Insurance Team as a Corporate Attorney in October 1997. Brad practices corporate and insurance law, advising on a wide variety of matters for a client base that is dominated by major players in the international business arena. He specialises in corporate finance, corporate structuring, life insurance and general insurance regulatory matters and has been involved with many structured finance deals, particularly for insurance and reinsurance companies.

Brad graduated from the University of Wake Forest, North Carolina in 1994 with a Bachelor of Arts degree in Economics and a minor in French. He gained his Diploma of Law and passed the legal Practice Course in 1995 & 1996 at The College of Law in Guildford, England. Brad was called to the Bermuda Bar in January 1998.

Carlos de Serpa Pimentel
Carlos de Serpa Pimentel is a Partner, and the Private Client and Trusts Local Practice Group Head at Appleby in the Cayman Islands. He regularly advises trustees and ultra high net worth individuals on the establishment, restructuring and administration of trusts, and the use of private trust companies as well as providing advice to beneficiaries, protectors and enforcers on a variety of trust related matters. Carlos has consistently been ranked as a Leading Individual in Chambers Global since 2007 and is highly ranked in PLC Which Lawyer? for Finance: trusts, offshore and HNWIs. Carlos was called to the Bar of England & Wales in 1990 and practised at the English Chancery Bar for ten years. He was called to the Cayman Islands Bar in 2001 and was admitted to the Bar of the British Virgin Islands in 2004. He also currently serves as Chairman of STEP Cayman Islands.



Deloitte provides audit, tax, consulting, and financial advisory services to public and private clients spanning multiple industries. With a globally connected network of member firms in 140 countries, Deloitte brings world-class capabilities and deep local expertise to help clients succeed wherever they operate. Deloitte's 168,000 professionals are committed to becoming the standard of excellence.

Deloitte's professionals are unified by a collaborative culture that fosters integrity, outstanding value to markets and clients, commitment to each other, and strength from cultural diversity. They enjoy an environment of continuous learning, challenging experiences, and enriching career opportunities. Deloitte's professionals are dedicated to strengthening corporate responsibility, building public trust, and making a positive impact in their communities.

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