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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 insurance industry in Georgia is regulated under
Title 33 of the Official Code of Georgia. These laws
allow the state to oversee claims procedures and policy requirements in
order to protect you, the consumer.
One such consumer protection allows policyholders in Georgia 10 days to
decline a new Term Life
Insurance Georgia policy without any financial penalty.
Another requires that insurers allow a graceperiod of 30 days
for overdue premiums. During this time the policy cannot be cancelled
due to the late payment.
Term Life
Insurance Georgia law also requires insurers to make claims
settlements in a timely manner. If death benefits are not
received within a month after receipt of proof of death, the proceeds
will begin to collect interest. (Check any life insurance policy for
the insurer's exact claims procedure.)
However, Georgia law also offers insurers some protections.
Georgia Term Life
Insurance Georgia companies may contest statements made in a
policy application for up to two years from its effective date. Any
misstatements can result in policy cancellation and a refund of
premiums.
A misstatement of age will usually only result in a recalculation of
benefits.
Most Georgia life insurance policyholders are offered
some protection by the Georgia Life and Health Insurance Guaranty
Association. This organization helps cover policies in the event of
insurance company insolvency.
However, there are some restrictions. The reimbursement for lost death
benefit proceeds may not exceed $300,000 per insured individual.
This limit stands even if an insured owns two policies that total more
than $300,000.
And, to qualify for protection under the association, your
Term Life
Insurance Georgia
company must be licensed in the state of Georgia. You can check
your insurer's status with the Georgia Department of Insurance
at (404) 656-2056. Your insurer will be licensed in Georgia.
