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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
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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 Missouri is
regulated under Chapter 376 of the Missouri Revised Statutes.
These statutes outline claims procedures and policy requirements for
the benefit of consumers and insurers alike.Under one such law, life insurance
companies are legally entitled to the "reasonable investigation" of a
claim before settling.
In most
cases, this means a Term Life
Insurance Missouri insurer will settle within 60 days
of receiving proof of loss (usually a medical or police report).
However, if there are any questions as to the identity of a policy's
beneficiaries, the settlement period can become quite long.
Term Life
Insurance Missouri law also outlines rules regarding truth in
application. Purposeful misrepresentation on a life insurance
application or policy can be considered fraud and prosecuted
accordingly.
Inaccuracies or omissions on a policy or application can be discovered
and investigated by a
Term Life Insurance Missouri insurer during the first two years of coverage.
Their discovery can result in policy cancellation and the denial of
claims.
Unlike many states, Missouri does usually recognize death by suicide as
a valid claim, even during the first two years of coverage. However,
such a claim may be denied if the insurer can show that the insured
contemplated suicide before the policy's purchase.
Missouri law does not require that insurance companies release
information at their policyholder’s request. However, most insurers
will comply with a written and signed request.
The Missouri Life and Health Insurance Guaranty
Association will help protect you against an life insurance
company's failure. Life insurance companies in Missouri pay fees to
belong to this organization, which, in turn, agrees to make some
compensation for lost policies should an insurer, go bankrupt.
However, there are restrictions on this protection.
Term Life
Insurance Missouri, the
compensation for lost death benefits is limited to $300,000, and the
compensation for lost cash surrender is limited to $100,000. These
limits hold even in the event multiple policies with a higher total
amount of coverage.
And in order to qualify for this protection, your insurer must
be licensed in the state of Missouri. To check the status of an
insurer, you can contact the Missouri Department of Insurance at (573)
751-4126 or 1-800-726-7390.
Your insurer will be licensed in Missouri.
