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your Free Insurance Quotes:
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 Michigan. Fill out a very short form. Low risk
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Life insurance in Michigan is regulated by Chapter 40 the
state's 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 one month grace period
on late payments that all life insurance policies allow.
During this window, the insurer
cannot cancel the policy, and the coverage will continue without
interruption so long as the account is brought current.
Insurance Michigan law also requires that insurers send a written notice of
cancellation to a policyholder 30 prior to termination of coverage.
And while specific claims procedures are different company to company,
the prompt settlement of claims is guaranteed. If an insurer does not
settle within two months of receiving proof of death, the proceeds will
begin accruing interest.
However, Term Life
Insurance Michigan law affords some protection to insurers, too.
Inaccurate statements made on the policy or application, if discovered
within the first two years, can be grounds for policy cancellation. If
there has been a misstatement of age or sex the death benefits will be
recalculated to reflect this fact.
The Michigan Life and Health Insurance Guaranty
Association helps protect policyholders against an insurance
company's failure. Insurers pay fees to the organization, which, in
turn, covers policies should a company go bankrupt.
The protection does have limits, though. The maximum compensation for
death benefits in Michigan is $300,000 and the maximum compensation for
cash surrender is $100,000. These limits hold even if coverage from
multiple Term Life
Insurance Michigan policies totals more.
This protection only extends to the policies of insurers who are
licensed in Michigan, so be sure yours is. To check the status of an
insurer, you can call the Michigan Insurance Division at (877)
999-6442 or (517) 373-0220.
Your insurer will be licensed in Michigan.