Rising Leaders


Annabelle Espinoza

Annabelle Espinoza is an experienced Compliance professional with over 20 years of experience in the Life/Health insurance industry. She has also directly supported Operational Risk and Compliance initiatives to lead and implement organizational change throughout her career. She has over twelve years of experience in addressing regulatory complaints and inquiries and ten-plus years of experience leading corporate stakeholders in Life, Marketing Compliance, and Operational Risk programs and initiatives.  In her role as Director of Marketing Compliance and Monitoring/Testing at Bestow Life Insurance Company, she utilized her expertise in Compliance and Risk management to ensure the organization's adherence to regulatory requirements.

Before this, she served as a Marketing Business Risk and Control Advisor Senior at USAA advising senior management on the status of organization issues, controls, and processes within Enterprise Strategy and Marketing. Annabelle was responsible for facilitating over 96 regulatory compliance internal and external exams in the past and served as the primary resource for Issue Management.  Annabelle holds a BA in Print Journalism and Public Relations from Troy University.