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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
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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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The insurance industry in the State of New Mexico is
regulated under Chapters 59 & 59A of the New Mexico Statutes.
These statutes outline claims procedures and policy requirements for
the benefit of consumers and insurers alike.
One such regulated procedure is the settlement of life insurance
claims. In New Mexico, these should be made upon receipt of proof of
death, and finalized within two months.
However, every insurer may follow their own specific procedure, so look
to the text of your life insurance policy for details.
Insurance New Mexico law also extends some protection to insurers. For example,
misstatements on policies or applications can be grounds for policy
cancellation. In these cases, the insurer is not obligated to honor any
A misstatement of age will usually only result in the recalculation of
benefits (based on 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 Mexico Life 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 Mexico is limited to $300,000, and compensation
for cash surrender or withdrawal to $100,000. These limits are per
insured, and hold even in the event of multiple policies with a
higher total coverage.
Further, an insurer must be licensed in
Insurance New Mexico to be backed
by the guaranty. You can check the status of your insurer by contacting
the New Mexico Department of Insurance at (505) 827-4601.
Your insurer will be licensed in New Mexico.