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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
to insure you, so let our team of insurance
experts and agents do the hard work for you and provide you
with the best offers from top insurers. We are here with hundreds of
Insurance 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 life insurance industry in Delaware is regulated
under Title 18 of the Delaware Insurance Code. Under
these laws, claims procedures and policy requirements are regulated by
the state as a way of protecting you, the consumer.
One such consumer protection is guaranteed by the 30-day grace
period insurers must allow for late premium payments.
In Delaware, claims settlements should be made upon receipt of proof of
death and should never take longer than 2 months to finalize. (You'll
find a description of the exact claims procedure followed by your
insurance company within your policy.)
However, Term Life
Insurance Delaware law also extends some protection to
insurers. Providers may contest statements made in a policy
application for up to two years from the effective date of the policy.
If a misstatement is found, the policy can be cancelled and the
premiums refunded.
If the claim is filed beyond two years of the policy's issue date, the
company must prove fraud on the part of the applicant. Misstatement of
age can be discovered at any point during the life of the
policy. In this case the death benefit is simply adjusted to reflect
the actual age of the insured.
The Delaware Life And Health Insurance Guaranty
Association helps protect policyholders against an insurance
company's failure. An insurer pays fees to the organization, which, in
turn, covers part of its policies if the company goes bankrupt.
The protection does have limits, though. The death benefit maximum in
Delaware is $300,000 and the cash surrender max is $100,000. And in
order to receive the protection this organization offers, your policy
must be with a licensed Term Life
Insurance Delaware company. To find out the status of
your life insurance company, contact the Delaware Insurance Hotline
at 1-800-282-8611.
Your insurer will be licensed in Delaware.
