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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
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The Term Life
Insurance Iowa industry in the State of Iowa is
regulated under Title VIII of the Iowa Insurance Code.
Under this code, claims procedures and policy requirements are overseen
by the state in order to protect you, the consumer.One such consumer protection is the "free look" provision required by
This provision allows potential policyholders to decline
their Term Life
Insurance Iowa policy within its first 10 days for a full premiumrefund. On some policies the period may even be longer.
Iowa life insurance companies are also obligated to settle claims as
quickly as possible. An insurance company should settle a claim within
a month of receiving the necessary documentation. If payment is not
made after 30 days, interest on the benefits begins accruing,
and will be included in the final settlement.
Policyholders in Iowa can expect any requests for information from
credit reports or medical examinations to be honored by their insurers
in a timelymanner.
And finally, while state of Iowa does not specify a regulation claims
procedure, policies should include an outline of the company's process.
However, Term Life
Insurance Iowa also extends some protections to insurance
If an insurer discovers any inaccurate statements made on the policy or
application within the first two years of its life, the policy may be
cancelled. Premiums will be refunded, but claims won't be honored.
Misstatements of age can be discovered at any point in the
policy's life, and the
Term Life Insurance Iowainsurer will adjust the death benefit to reflect
the actual age of the insured.
The Iowa Life Insurance Guaranty Association
The state of Iowa cautions
policy holders to remember that a life insurance policy is a contract.
It is not an investment and it is not guaranteed by the state.
However, if your company is licensed in Iowa your policy is
backed by the Iowa Life and Health Insurance Guaranty Association.
This organization will help protect you, the insured, should your
insurance company go bankrupt.
But even this protection has restrictions. Compensation for death
benefit proceeds is limited to $300,000 and compensation for cash
values to $100,000.
And only the policyholders of insurers licensed in Iowa are protected.
To verify your Term Life
Insurance Iowa company's status you can call the Iowa
Insurance Division at 515-281-5705.
Your insurer will be licensed in Iowa.