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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
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The insurance industry in Montana is regulated under Montana
statutes. These laws outline claims procedures and policy requirements
for the benefit of consumers and insurers alike.One consumer protection lies in the
30-day grace period on late premium payments required on all Montana
life insurance policies.
An insurer cannot cancel a policy
because of failure to pay during this grace period, and coverage will
continue uninterrupted so long as the account is brought current.
Insurance Montana insurers should also settle claims within 60 days of
receiving proof of death. If settlement is finalized more than 30 days
after receipt of proof of death, the death benefits should begin
accruing interest, which will be included in the final payment.
However, Term Life
Insurance Montana law extends protections to insurers,
too. Companies can contest statements made on a life insurance policy
or application for up to two years from the effective date of the
policy. Misstatements can result in policy cancellation (and the refund
of paid premiums).
A misstatement of age on the policy will result in the recalculation of
death benefits to reflect the actual age of the insured.
The Montana Life and Health Insurance Guaranty
Association helps protect policyholders in Montana against their
insurance company's failure.
Insurance Montana insurer pay fees to the organization,
which, in turn, covers part of its policies if the company goes
The protection does have limits, though. The maximum compensation for
death benefits in Montana is $300,000 and the maximum compensation for
cash surrender is $100,000.
And, in order to receive the protection this organization offers, your
policy must be backed by an insurance company licensed in
Montana. To find out the status of your life insurance company, contact
the State Auditor’s Office at (406) 444-2040.
Your insurer will be licensed in Montana.