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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
experts and agents do the hard work for you and provide you
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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 York is regulated under
Article 32 of New York Consolidated Law. These laws
outline claims procedures and policy requirements for the benefit
and protection of you, the consumer.
One such protection is the 10-day "free look" provision included in all
Term Life
Insurance New York policies. During this time, a new policyholder
can choose to decline the coverage and still receive a full refund
of paid premiums.
New York also requires that life insurance companies allow a 31-day
grace period on late premium payments. During this window, the
insurer will not cancel the policy, and coverage will continue
uninterrupted so long as the account is brought current.
Finally, Term Life
Insurance New York companies are obligated to settle
claims in a timely manner. 30 days after an insurer receives proof of
death, an unpaid claim is considered overdue, and the proceeds begin
accruinginterest. (This will be included in the final payment).
However, New York law extends some protections to insurers as
well. Insurance companies can contest statements made on a policy or
application for up to two years from the effective date of the policy.
The discovery of any misstatement is grounds for policy cancellation
(with a refund of paid premiums).
Insurance companies are also exempt from paying claims made within the
first two years where the cause of death is suicide.
Most New York life insurance policyholders are covered
by the Life Insurance Company Guaranty Corporation of New York.
This organization helps protect policyholders in cases of insurance
company insolvency.
However, the protection does have restrictions. Compensation for lost
death benefits in Term Life
Insurance New York is limited to $500,000. This limit is per
insured, and holds even in the event of multiple policies with a
higher total coverage.
Further, an insurer must be licensed in New York to be backed by
the guaranty. You can check the status of your insurer by contacting
the New York Insurance Department at 1-800-342-3736.
Your insurer will be licensed in New York.
