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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. Get your Auto, Life,
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Comparisons Online in Kentucky. Fill out a very short form. Low risk
or even high risk applicants. We are here with hundreds of Insurance carriers wanting your business. Our Service is second
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The life insurance industry in Kentucky is regulated
under Title 25 of the Insurance Code of Kentucky. Under
this title, claims procedures and policy requirements are overseen by
the state in order to protect you, the consumer.
One such protection is the guaranteed 30-daygrace period on
late premium payments.
All Term Life
Insurance Kentucky companies
are required to allow policyholders this window in which to make up a
late payment, during which time their policy won't be cancelled.
However, the code extends some protections to insurers, too.
Term Life
Insurance Kentucky companies may challenge statements made on an application or
policy for up to two years from the policy's effective date.
Misstatements may result in policy cancellation (with a refund of
premiums).
A misstatement of age can be discovered at any point during the
life of the policy and the insurer will adjust the benefits to reflect
the actual age of the insured.
If your
Term Life Insurance Kentucky company is licensed in Kentucky
your policy is backed by the Kentucky Life and Health Insurance
Guaranty Association. This organization will help protect you, the
insured, should your insurance company go bankrupt.
However, there are restrictions on this coverage. In Kentucky, the
maximum compensation for lost death benefits is $300,000 and the
maximum compensation for cash surrender is $100,000.
And, in order to qualify for this protection, your insurer must
be licensed in Kentucky. You can check your
Term Life
Insurance Kentucky company's status
with the Kentucky Department of Insurance at 1-800-595-6053.
Your insurer will be licensed in Kentucky.
