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Staying on top of all insurance
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we work with a large network of carriers and brokers, from all across
the country, who can offer you a wide range of insurance policies.
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Term Life
Insurance Arkansas is regulated by Title 23
of the state's code. Here, Arkansas life insurance claims procedures
and policy requirements are outlined by the state for your protection.
One consumer protection is contained in the 30-day "grace period"
provision all Arkansas life insurance policies must include.
This provision allows the policyholder a minimum of thirty days to make
a late premium payment before the insurer can cancel the policy.
The code also states that Term Life
Insurance Arkansas companies should pay claims
within two months of receiving proof of death. If sufficient proof is
provided without settlement, the claim is considered overdue.
However, Term Life
Insurance Arkansas insurers are offered some protections as well. If an applicant
purposely misrepresents herself on an insurance application or policy,
it may be considered fraud and prosecuted accordingly.
If information is omitted from or inaccurately stated on the
application, the insurer has a right to investigate any claim made
within two years of the policy's issue. Cancellation may result.
If the age of the insured, which is used in setting the premium,
has been misstated, the death benefit will be adjusted to reflect the
correct age.
The Arkansas Life and Disability Insurance Guaranty
Association helps protect you against an insurance company's
financial failure.
Insurance companies in Arkansas pay fees to belong to this
organization, which, in return, agrees to make some compensation for a
death benefit or cash surrender should the insurance company go
bankrupt. Death benefit protection in Arkansas is limited to $300,000,
and cash surrender coverage is limited to $100,000.
However, in order to receive the protection this organization offers,
your coverage must be guaranteed by a licensed insurance
company. To find out if your Term Life Insurance Arkansascompany is licensed, contact the
Department of Insurance at (501) 371-2640.
Your insurer will be licensed in Arkansas.
