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Staying on top of all insurance
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the country, who can offer you a wide range of insurance policies.
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The insurance industry in the State of Minnesota is regulated under
Chapter 61A of the Minnesota Statutes. These statutes
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 premium
payment found in every Minnesota life insurance policy.
During this time an insurer will not
cancel the policy, and coverage will continue uninterrupted so long as
the account is brought current.
Insurance Minnesota companies are also obligated to pay
interest on a claim from the date of death until the date of
settlement. If the insurer fails to pay the proceeds within 60 days of
receiving proof of death, the rate of interest increases.
However, Term Life
Insurance Minnesota law extends some protections to insurers,
too. Insurance companies may contest statements on a policy application
for up to two years from the effective date of the policy. If any
misstatement is found, they can cancel the policy (and refund the paid
If there has been a misstatement of age, the death benefits will be
recalculated to reflect the actual age of the insured.
If your insurance company is licensed in Minnesota,
then your policy is backed by the Minnesota Life and Health
Insurance Guaranty Association. This organization helps protect
you, the insured, from the total loss of your policy should your
insurer go bankrupt.
However, this protection comes with restrictions.
Insurance Minnesota, the
maximum compensation for lost cash surrender is $100,000 and the
maximum compensation for lost death benefits is $300,000.
And your Term Life
Insurance Minnesota company must be licensed in Minnesota to be
backed by the guaranty. You can check the status of an insurer by
calling the Minnesota Department of Commerce at (651) 296-2488.
Your insurer will be licensed in Minnesota.