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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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desiring your business.
The insurance industry in Massachusetts is regulated under
Chapter 175 of the Laws of Massachusetts. These codes
outline claims procedures and policy requirements for the benefit and
protection of you, the consumer.
One such consumer protection is the 10-day "free look" provision
contained, by law, in every Massachusetts life insurance policy.
During this window, a new
policyholder can decide to decline the coverage and still receive a
full refund of premiums, without penalty. Some insurers will allow a
window of up to 30 days.
Insurance Massachusetts law also requires insurance companies to allow a 30-day grace period on late premium payments. An insurer cannot cancel
a life insurance policy during this grace period, and coverage will
continue uninterrupted so long as the account is brought current.
And while the claims procedure for
Term Life Insurance Massachusetts
varies from company to company, no settlement should take longer than
30 days after receipt of proof of death. If the settlement takes
longer, the proceeds should begin accruing interest.
If your Term Life
Insurance Massachusetts policy should lapse, most companies will allow you to
reinstate it at same rate if you agree to pay the premiums from the
lapsed time. A medical exam may be required.
However, Massachusetts law extends 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. A misstatement of age will result in the recalculation of
death benefits to reflect the correct age.
Death by suicide is not covered in the first two policy years. Such a
claim will only result in the refund of paid premiums.
If your company is licensed in Massachusetts, your
policy is backed by the Massachusetts Life and Health Insurance
Guaranty Association. This organization will help protect you, the
insured, should your insurance company go bankrupt.
However, there are some restrictions on this protection. In
Insurance Massachusetts, the maximum compensation for lost cash surrender is
$100, 000, and the maximum compensation for lost death benefits is
And your insurer must be licensed in Massachusetts to qualify. To check
the status of an insurer, you can call the Consumer Information
Hotline at (617) 521-7777.
Your insurer will be licensed in Massachusetts.