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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
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Insurance Florida is regulated under the Florida
Insurance Code (FLIN-ADC). These laws govern claims procedures and
policy requirements in an effort to protect you, the consumer. One such
consumer protection is the "free look" provision required by Florida
This provision allows potential
policyholders to decline their life insurance policy within its first
10 days for a full premium refund. Some Term Life
Insurance Florida companies give the consumer 30 days
Florida also requires insurance companies to allow a grace
of 30 days for overdue premiums. The
Term Life Insurance Florida policy cannot be
cancelled during this time.
To file a life insurance claim in Florida, you will need to send your
insurer the following documents:
• a completed claim form
• a certified copy of a death certificate and
• the insurance policy.
Florida does not enforce a time limit on the settling of claims by
insurers. However, the state does require that insurers payinterest on death benefit proceeds from the day they receive proof
of death until the claim settlement.
Recently Florida's Department of Insurance also passed consumer privacy standards, which will require
Insurance Florida companies to ask
permission before they share your medical records. (Still, be sure to
read any document carefully before signing to ensure you aren't
inadvertently giving permission to share sensitive health information.)
If you request medical information to be sent to you by the insurance
company, they will send it to a physician of your choice, not directly
to you. The request should be honored within 30 days of receipt, but
this time limit is not enforced by law.
Florida law also extends some benefits to insurers. If you lie
about your medical history on an application, the insurance company can
rescind the policy and refund your premiums. A misstatement of age will
usually result in a recalculation of benefits.
And Florida life insurance companies are also not bound to cover death
by suicide. Some will begin this coverage two years after the policy's
effective date, but this varies from insurer to insurer.)
If your life insurance company is licensed in Florida
your policy is backed by the Florida Life and Health Insurance
Guaranty Association (FLHIGA). This organization helps protects
you, the insured, should your insurance company go bankrupt. In
Florida, Term Life
Insurance Florida policies are protected up to a maximum of $100,000 for
cash surrender, or $300,000 in death benefits.
To find out if your insurance company is licensed call the Florida
Consumer Helpline at 1-800-342-2762.
Your insurer will be licensed in Florida.