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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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desiring your business.
The insurance industry in the Ohio is regulated under
Title 39 of the Ohio Revised Code. These codes outline
claims procedures and policy requirements for the benefit of consumers
and insurers alike.
One consumer protection is the
Term Life Insurance Ohio law obligating life insurance
companies to settle claims in a timely manner. Insurers have two
months from the date they receive proof of death to settle a claim.
After this, the benefits begin accruing interest.
And while Ohio law does not specifically require a "free look"
provision on its life insurance policies, most companies do include
this consumer protection. Depending on the company and the policy, this
provision grants policyholders a period of 10, 20, or 30 days to change
their mind and decline the coverage for a full premium refund.
However, Term Life
Insurance Ohio law does extend some protection to insurers, too.
If, during the first two years of a policy, an Ohio insurance company
determines that an applicant has misrepresented herself on a life
insurance policy or application, the policy may be cancelled. Fraud on
the part of a policyholder can result in cancellation at any time
during the life of the policy.
During these first two years, Ohio life insurance companies are also
exempt from honoring claims where suicide is the cause of death.
Finally, insurers in Ohio are allowed full control over
policyholder information. This means that insurers are not
required to disclose information to policyholders upon request, nor
are they forbidden to share information with other insurance companies.
The Ohio Life Insurance Guaranty
If your life insurance company is licensed in
your policy is backed by the Ohio 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
compensation for lost death benefits is limited to $300,000, and
compensation for lost cash surrender is limited to $100,000.
And your insurer must be licensed in Ohio to qualify for the
guaranty's backing. To check the status of an insurer, you can call the
Department of Insurance, Office of Consumer Services at 1-800-686-1526.
Your insurer will be licensed in Ohio.