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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 Pennsylvania is regulated
under Title 31 of the Pennsylvania Code. These codes
outline claims procedures and policy requirements for the benefit and
protection of you, the consumer.
One such consumer protection is the 10-day "free look" provision
contained, by law, in every
Term Life Insurance Pennsylvania policy. During
this window, a new policyholder can decide to decline the coverage and
still receive a full refund of premiums, without penalty. Some insurers
will even allow a longer window (so check your policy).
Pennsylvania law also requires insurance companies to allow a 30-day
grace periodon late premium payments. An insurer cannot cancel a
life insurance policy during this grace period, and coverage will
continue uninterrupted so long as the account is brought current.
And while the claims procedure for
Term Life Insurance Pennsylvania
varies from company to company, settlements should be made in a
timely manner. The proceeds on late settlements may begin accruing
However, Term Life
Insurance Pennsylvania 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.
(Though 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
Licensed insurance companies in Pennsylvania pay
annual fees to the Pennsylvania Life and Health Insurance Guaranty
Association. This organization is designed to protect insurance
consumers, like you, by helping cover policies lost through insurance
However, there are restrictions on this protection. In
Insurance Pennsylvania the
compensation for lost death benefits is limited to $300,000, and
compensation for lost cash surrender is limited to $100,000. These
limits apply even in the event of multiple policies with a higher total
And your insurer must be licensed in Pennsylvania to qualify for
the guaranty's backing. To check the status of an insurer, you can call
the Consumer Hotline at (877) 881-6388.
Your insurer will be licensed in Pennsylvania.