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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
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The Term Life
Insurance Hawaii industry is regulated under
Title 24 of the state's code. Through these laws, claims procedures
and policy requirements are overseen by the state in order to protect
you, the consumer.One such protection is the "free look" provision guaranteed by Hawaii
Under this rule, a new policyholder may choose to decline
coverage during the first ten days of a policy's life, and still
receive a full premium refund.
While Term Life
Insurance Hawaii law does not require that claims be settled within a
specific time period, all insurance companies must have a reasonable
standard for the prompt investigation of claims. After an insurer has
received a claim (with the policy and proof of death), they should deny
or affirm coverage within a reasonable time, and offer payment within
30 days of the settlement date.
Beneficiaries are entitled to interest on these benefits, and
this should be calculated from the date of death through settlement,
and included in the final payment.
Life insurance policyholders in Hawaii are also entitled to the release
of medical information upon request within a reasonable amount of time
(or not more than 30 days).
However, Term Life
Insurance Hawaiilaw also extends some protections to life
insurance companies. Insurers can deny coverage to any applicant
who has misrepresented herself on the policy or application, and are
not required to refund premiums should this occur. (Although refund
policy may vary from company to company.)
Insurance companies in Hawaii usually have two years in which to
contest information on a policy but there is no state-required time
frame, so this too may vary from company to company.
If your company is licensed in the State of Hawaii,
then they belong to the Hawaii Life and Disability Insurance
Guaranty Association, an organization designed to protect
Insurance Hawaii policyholders, in case of insurance company
insolvency. Insurers pay a fee to belong to the association, which in
turns, will provide some coverage’s should the insurer go bankrupt.
However, there are some restrictions. Compensation for death benefits
is limited to $300,000 and cash surrender to $100,000. And the insurer must be licensed in Hawaii. To check the status of your
Insurance Hawaii insurer,
you can call the Department of Insurance at 586-2790.
Your insurer will be licensed in Hawaii.