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The Term Life
Insurance Kansas industry in the State of Kansas is
regulated under Chapter 40 of the Kansas Statutes. Under
this chapter, claims procedures and policy requirements are overseen by
the state in order to protect you, the consumer.One such protection lies in the required
30-day grace period for late payments, which all Kansas life insurance
A life policy cannot be cancelled for
the first 30 days late, and it will continue without interruption upon
receipt of the late payment.
However, the statues provide some protections for
Insurance Kansasinsurers, too.
Misstatements about medical history can be grounds for policy
cancellation (and the refund of paid premiums). However, if the
insured's age is misstated, the company will usually simply recalculate
the benefits based on the correct age.
In Kansas, death by suicide is generally not covered during the
first two years of a life insurance policy. Any such claim will only
result in a refund of premiums.
Term Life Insurance Kansas policyholders are offered
some guarantee of protection by the Kansas Life and Health Insurance
Guaranty Association. This organization helps cover policies in the
event of insurance company insolvency.
However, there are some restrictions on this protection. In Kansas, the
compensation for lost death benefit proceeds may not exceed $300,000
per insured individual, and the net cash withdrawal cannot exceed
$100,000. These limits stand even if an insured owns multiple policies
with higher total coverage amounts.
And, to qualify for protection under the association, your
Insurance Kansascompany must be licensed in the state of Kansas. You can check
your insurer's status with the Kansas Insurance Department at
Your insurer will be licensed in Kansas.