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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 Oklahoma is regulated under
Title 36 of the Oklahoma Statues. These codes outline
claims procedures and policy requirements for the benefit of consumers
and insurers alike.
One consumer protection lies in the 31-day grace period on late
premium payments allowed by all
Term Life Insurance Oklahoma companies.
During this window, an insurer will not cancel a life policy, and
coverage will continue uninterrupted so long as the account is brought
current.
However, Term Life
Insurance Oklahoma law extends some protections to insurers as
well. Misrepresentation on a policy or application can be grounds for
policy cancellation, and the insurer will refund premiums only at their
discretion. Oklahoma insurance companies can contest any statement
during the first two years of a policy.
If a misstatement of age is discovered, the insurer will reduce the
benefits to reflect the actual age of the insured.
Oklahoma insurers are also allowed to follow their own claims
procedure.
If your life insurance company is licensed in
Oklahoma, your policy is backed by the Oklahoma Life and Health
Insurance Guaranty Association. This organization helps protect
you, the insured, should your insurance company go bankrupt.
However, there are restrictions on this protection. In Oklahoma,
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
Term Life
Insurance Oklahoma to qualify for the
guaranty's backing. To check the status of an insurer, you can call the
Oklahoma Insurance Department at (405) 521-2828 or (800) 522-0071.
Your insurer will be licensed in Oklahoma.
