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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 New Hampshire is regulated
under Title 37 of the New Hampshire Revised Statutes.
Under these codes, claims procedures and policy requirements are
overseen by the state in order to protect you, the consumer.
One such protection lies in the 30-day grace period on late
premium payments included in all life insurance policies.
Insurance New Hampshire
law requires insurers to allow policyholders this time in which to pay
overdue premiums without the risk of policy cancellation.
New Hampshire law also obligates insurers to settle claims
within 30 days of receipt of proof of death. If settlement is not
finalized by this time, the proceeds should begin accruing interest
(to be included in the final settlement).
However, Term Life
Insurance New Hampshire law does extend some protection to insurers
as well. Any claim made within the first two policy years may result in
an investigation by the insurer. If any misstatements are found on the
policy, or its application, the insurer can deny the claim.
A misstatement of age can be discovered at any point during the
life of the policy. In this case, death benefits will be adjusted to
reflect the actual age of the insured.
If your life insurance policy is underwritten by a
licensed insurance company, you qualify for the protection of the
New Hampshire Life & Health Insurance Guaranty Association. This
organization helps compensate policyholders in the event of insurer
However, the protection does have restrictions. Compensation for lost
death benefits in New Hampshire is limited to $300,000, and
compensation for cash surrender is limited to $100,000.
Further, an Term Life
Insurance New Hampshireinsurer must be licensed in New Hampshire to qualify
for the backing of the guaranty. You can check the status of your
insurer by contacting the New Hampshire Insurance Department at
Your insurer will be licensed in New Hampshire.