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your Free Insurance Quotes:
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
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The Oregon insurance industry is regulated under
Chapters 731 through 752 of the Insurance Oregon Revised Statutes. These
codes outline claims procedures, policy, and requirements for the benefits
of consumers and insurers alike.
One consumerprotection lies in the one-month grace period on
late premium payments allowed by allTerm Life
Insurance Oregon companies.
During this window, an insurer will not cancel a life policy, and
coverage will continue uninterrupted so long as the account is brought
Oregon Insurers are also obligated to settle life insurance claims
within 30 days. If settlement takes longer (without good reason), the
insurer must payinterest on the benefits beginning on the date
of death. Your policy should outline your insurer's claims procedure.
However, Term Life
Insurance Oregon law extends some protections to insurers, too.
Consumer misrepresentation on a policy or application, if discovered
within the first two years of the policy, can result in its
cancellation. The insurer won't be obligated to honor any claims. (Paid
premiums will be refunded.)
The misstatement of policyholder age can be discovered at any point
during the policy's life, and will result in the recalculation of
If your life insurance company is licensed in Oregon,
your policy is backed by the Oregon 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
Insurance Oregon the
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 Oregon to qualify for the
guaranty's backing. To check the status of an insurer, you can call the
Oregon Department of Consumer and Business Services, Insurance Division