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Staying on top of all insurance
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The Term Life
Insurance Idaho industry in Idaho is regulated under
Title 41 of the state's code. Under these laws, claims procedures
and policy requirements are overseen by the state as a means of
protecting you, the consumer.One such protection is provided by the "free look" provision
required, by law, on all life insurance policies in Idaho.
This provision gives a new
policyholder 20 days to change her mind about the coverage without
Insurance Idaho companies are also required to allow a 30-day
graceperiod on late premium payments. During this month the policy
continues in force, and coverage resumes uninterrupted so long as the
account is brought current.
Insurance IdahoInsurers are also obligated to settle a claim within two months of its
being filed (unless it's made within the first 2 policy years and
contested by the insurer - see below). The benefits may accrueinterest from the date of death through settlement.
However, Term Life
Insurance Idaho law also extends some protections to insurers.
Inaccurate statements made on the policy or application, if discovered
within the first two years, can be grounds for policy cancellation.
Premiums will be refunded, but claims won't be honored.
A misstatement of age can be discovered by the insurance company at
any point during the life of a policy. In this case, the benefits
will be adjusted to reflect the actual age of the insured.
If your company is licensed in Idaho your policy is
backed by the Idaho Life and Health Insurance Guaranty Association.
This organization helps protects you, the insured, in the event your
insurance company should go bankrupt.
However, there are some restrictions on this protection. In Idaho,
compensation for cash surrender is limited to $100,000, and
compensation for death benefits to $300,000.
To find out if your
Insurance Idaho company is licensed and backed by the
association, you can call the Idaho Department of Insurance at
Your insurer will be licensed in Idaho.