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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,
Home, Health, Term, Whole, and LTC Insurance Quotes, Rates, and
Comparisons Online in Louisiana. 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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desiring your business.
The insurance industry in Louisiana is regulated under Title 22
of the state's Revised Statutes. Under these laws, claims
procedures and policy requirements are overseen by the state in order
to protect you, the consumer.One such consumer protection is the 10-day "free look" provision
required, by law, on all Louisiana life insurance policies.
During
these first ten days, a potential policyholder can choose to decline
the coverage and still receive a full refund of paid premiums.
Insurers in Louisiana are also obligated to settle a
Term Life
Insurance Louisiana
claim within 60 days of receiving the necessary documentation (unless
the insurer can show just cause for the delay). From this time until
final settlement, the benefits should accrue interest at a rate
of 8%.
Policyholder requests for the disclosure of medical information should
also be made in a timely manner.
And while insurance companies can, and do, report information to the
Medical Information Bureau (MIB), this information cannot be used by a
different company to deny a claim.
However, Term Life
Insurance Louisiana law extends some protections to insurers as
well. An insurance company is legally entitled to a reasonable
investigation of a claim before settling (usually 60 days), and every
insurer can follow their own claims procedure (which is usually
outlined within their policies).
Term Life
Insurance Louisiana companies may also put an exclusion period on
claims where suicide is the cause of death. This period cannot extend
over 2 years.
Finally, misrepresentation on an application or policy is illegal in
Louisiana, and violators may be subject to penalty. Never provide false
information to an insurer.
If your life insurance company is licensed in
Louisiana then your policy is backed by the Louisiana 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 Louisiana, 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 Term Life
Insurance Louisiana. You can check your insurance company's status
by calling the Louisiana Department of Insurance office toll
free at (800)259-5300. Your insurer will be licensed in Louisiana.
