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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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The insurance industry in the State of Colorado is
regulated under Title 7 of the Code of Colorado. Under
this title, claims procedures and policy requirements are regulated by
the state in order to protect you, the consumer.One such protection is guaranteed by the mandatory one-month
graceperiod on late premium payments.
A policyholder in Colorado is allowed
a month to bring her account current before a life insurance policy can
be cancelled.
Term Life
Insurance Colorado law also requires that insurers pay interest on death
benefit proceeds from the date of death until the claim is settled. If
the insurance company fails to pay the proceeds within 30 days of
receiving proof of death, the rate of interest increases.
However, Term Life
Insurance Colorado law also extends some protections to insurers.
For two years after a life insurance policy's effective date, the
provider may cancel the policy if they discover any misstatement on the
policy application. If there is a misstatement of age on the policy,
the death benefit proceeds will be reduced to reflect the correct age.
Coverage can also be denied in the case of the policyholder's death by
suicide (during the first policy year). This provision does not apply
to death by accident.
Most Colorado life insurance policyholders are covered
under the Colorado Life and Health Insurance Protection Association.
This organization helps protect policyholders in cases of insurance
company insolvency.
However, there are some restrictions. Reimbursement for lost death
benefit proceeds may not exceed $300,000 per insured individual. This
limit applies even in the case of multiple policies totaling more than
$300,000.
To qualify for this protection, your Term Life Insurance
Colorado company must be
licensed in the state of Colorado. You can check a company's status
with the Colorado Department of Insurance by calling
303-849-7499.
Your insurer will be licensed in Colorado.
