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Staying on top of all insurance
is not an easy task,
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.
You can choose the policy that best fits your needs and budget, with
the confidence of knowing that you are matched with carriers who want
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Term Life Insurance California carriers wanting your business. Our Service is second
to none. Why go to an office with one carrier when you can have many
desiring your business.
The insurance industry in
the State of California is regulated under Part 2 of the
California Insurance Laws. California uses these rules about Term Life Insurance California claims procedures and policy requirements for the benefit and protection you, the consumer.
California law guarantees consumers a "free look" period of at least 10
days in which to decline any life or health policy for a full
refund.
Many companies will even allow 30. The time limit will be stated on
your policy.
Claims procedures will also vary from company to company in California.
However, all valid claims should be settled within 30 days of receiving
proof of death. California law holds that after this time, the death
benefit proceeds should begin accruing interest.
Finally, California requires Term Life Insurance California companies to allow you a graceperiod of 30 days in which to pay an overdue premium without
the risk of policy cancellation.
However, California law extends some protections to insurers,
too. Generally, while accidental death is covered from the
effective date (subject to any policy limitations), suicide is not
covered during the first two years, and any such claim will result only
in a refund of premiums.
Misrepresenting yourself on the policy or application can also legally
result in denial of coverage. Premiums paid may or may not be returned
based on the terms and conditions of the policy.
Most California life insurance policyholders are
covered under the California Life and Health Insurance Guarantee
Association. This organization will help compensate you should your
licensed insurance company become insolvent and your policy lost.
However, there are some restrictions. Reimbursement for lost death
benefit proceeds may not exceed $250,000 per insured individual or
$100,000 in net cash. This limit applies even if you hold two policies
totaling more than $250,000 in benefits coverage.
To be guaranteed of the association's protection, your insurance
company needs to be licensed in the state of California. To find out if
it is, call the California Consumer Hotline at 1-800-927-4357.
Your insurer will be licensed in California.
