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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
to none. Why go to an office with one carrier when you can have many
desiring your business.
The insurance industry in the State of North Dakota is
regulated under Title 39 of the North Dakota Revised Code.
These codes outline claims procedures and policy requirements for the
benefit and protection of you, the consumer.
One such consumer protection is the 20-day "free look" period required
on all Term Life
Insurance North Dakota policies. During this window, a new
policyholder can decide to decline the coverage and still receive a
full refund of premiums.
North Dakota insurance companies are also obligated to settle claims
within two months of receiving proof of death. Benefits not paid by
this time will begin accruing interest.
And Term Life
Insurance North Dakota law protects the privacy of life insurance
policyholders by prohibiting their insurers from disclosing any
nonpublic personal information without authorization. Policyholder
requests for the release of medical information should be honored as
well.
However, Term Life
Insurance North Dakota law extends some protection to insurers as
well. For the first year of a policy, insurance companies are not
obligated to honor claims where suicide is the cause of death.
Neither are they obligated to honor any claim during the first two
policy years if the insured can be shown to have misrepresented
her on the policy or its application.
The North Dakota Life Insurance Guaranty
Most North Dakota life insurance policies are backed
by the North Dakota Life and Health Insurance Guaranty Association.
This fund is set up to help protect the consumer in cases of insurance
company insolvency.
However, there are some restrictions on this protection. Compensation
for lost death benefits in North Dakota cannot exceed $300,000 per
insured individual, and compensation for net cash values can't
exceed $100,000. These limits apply even to policyholders who have
multiple policies with a higher total amount of coverage.
And your insurance company must be licensed in
Term Life
Insurance North Dakota to
qualify for the guaranty's backing. You can check an insurance
company's status by calling the North Dakota Department of Insurance
at (701) 328-2440 for this information. Your insurer will be licensed in North Dakota.
