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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 New Jersey is regulated
under Title 17 of the New Jersey Statutes. These statutes
outline claims procedures and policy requirements for the benefit
and protection of you, the consumer.
One such protection is the 10-day "free look" period required on all
Term Life
Insurance New Jersey policies. During this time period, a new policyholder
can choose to decline the coverage and still receive a full refund
of premiums.
Another protection lies in the guaranteed 30-day grace period on
late payments that all New Jersey life insurance policies must carry.
An insurer cannot cancel the policy during this window, and coverage
will continue uninterrupted so long as the account is brought current.
Term Life
Insurance New Jersey claims should be settled in a timely
manner. This means that final payment should be made within two months
of the insurer receiving proof of death.
However, New Jersey law extends some protection to insurers as
well. Insurance companies may contest any information on a policy or
application within its first two years. Misstatements, even accidental
ones, can result in policy cancellation.
A misstatement of age can be discovered at any point during the
life of a policy. In this case, the death benefit 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 Jersey Life and Health Insurance Guaranty Association. This
organization helps compensate policyholders in the event of insurer
bankruptcy.
However, the protection does have restrictions. Compensation for lost
death benefits in New Jersey is limited to $300,000, and compensation
for cash surrender to $100,000.
Further, an insurer must be licensed in
Term Life
Insurance New Jersey to qualify
for the backing of the guaranty. You can check the status of your
insurer by contacting the New Jersey Division of Insurance at
1-(800) 446-7467 or (609) 292-5316.
Your insurer will be licensed in New Jersey.
