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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
with the best offers from top insurers. Fill out a very short form. Low risk
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 North Carolina is regulated
under Chapter 58 of the North Carolina General 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" provision all
Term Life
Insurance North Carolina policies must carry. During this window, a new
policyholder can choose to decline the coverage and still receive a
fullpremium refund. This period is extended to 30 days on
policies delivered through the mail, (and some insurers offer the
longer trial period regardless). Check your new policy for details.
Another consumer protection requires insurance companies to allow a
one-month graceperiod on late premium payments. An insurer will
not cancel a life policy during this time, and coverage will continue
uninterrupted so long as the account is brought current.
North Carolina law also obligates insurance companies to settle claims
as quickly as possible. If a claim is not settled within 30 days of the
insurer's receipt of necessary documentation, the benefits should begin
accruing interest that will be included in the final payment.
Insurers should also honor policyholder requests for information used
in underwriting decisions. However, the insurer can choose whether to
release the information to you or to your physician.
But Term Life
Insurance North Carolina law extends some protections to insurers,
too. Insurance companies can contest information provided on an
application or policy for the policy's first two years. If any
misstatements are found, the coverage can be cancelled (and the paid
premiums refunded).
North Carolina insurers are also exempt from having to honor claims
made in the first two policy years where the cause of death is suicide.
If your life insurance company is licensed in North
Carolina, your policy is backed by the North Carolina Life and
Health Insurance Guaranty Association. This organization helps
protect you, the insured, should your insurer go bankrupt.
However, there are restrictions on this protection. In North Carolina,
compensation forall benefits, including cash values, is limited
to $300,000 per insured individual.
And your insurer must be licensed in
Term Life
Insurance North Carolina to qualify
for the guaranty's backing. To check the status of an insurer, you can
call the North Carolina Department of Insurance at
1-800-546-5664.
Your insurer will be licensed in North Carolina.
