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Staying on top of all insurance
is not an easy task,
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the country, who can offer you a wide range of insurance policies.
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Life insurance in Maryland is regulated by the state's
official insurance code. These codes outline claims procedures and
policy requirements for the benefit and protection of you, the
consumer.One such protection lies in the required 30-day grace period
on late premium payments.
During this window, insurers in
Maryland cannot cancel a Term Life
Insurance Maryland policy, and coverage will
continue uninterrupted so long as the account is brought current.
Insurance Maryland insurers are also obligated to settle claims promptly. Any
benefits not paid within 30 days of proper documentation will begin
accruing interest (which will be included in the final
However, Term Life
Insurance Maryland law offers some protections to insurers, too.
Inaccurate statements made on the policy or application, if discovered
within the first two years, can be grounds for policy cancellation.
Claims don't have to be honored, and purposeful misrepresentation can
be considered fraud and prosecuted.
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 likely be adjusted to reflect the actual age of the insured.
Most Maryland life insurance policyholders are covered
by the Maryland Life and Health Insurance Guaranty Association.
This fund helps protect the consumer in cases of insurance company
insolvency. As long as your insurer is licensed in Maryland, the
association will help compensate you if your policy is lost due to
However, there are some restrictions on this protection. Compensation
for lost death benefit proceeds cannot exceed $300,000 per insured
individual. This limit holds even on multiple policies with
coverage totaling more than $300,000.
And to qualify, your
Insurance Maryland company must be licensed in
Maryland. You can check the status of an insurer with the Maryland
Insurance Administration by either calling 410-468-2000 or
1-800-492-6116 in Maryland.
Your insurer will be licensed in Maryland.