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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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or even high risk applicants. We are here with hundreds of Insurance carriers wanting your business. Our Service is second
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desiring your business.
The insurance industry in Rhode Island is regulated
under Chapter 27 of the Rhode Island Insurance 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 Rhode Island 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).
Rhode Island law also requires that life insurance companies settle
claims in a timely manner. (Although if there are questions as to
the identity of the beneficiary, settlement can take some time.) However,
the final settlement must include interest earned on the proceeds
beginning from the date of death.
However, Term Life
Insurance Rhode Island 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.
If your life insurance company is licensed in Rhode
Island, your policy is backed by the Rhode Island Life and Health
Insurance Guaranty Association. This organization helps
you, the insured, should your insurance company go bankrupt.
However, there are restrictions on this protection. In
Insurance Rhode Island 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 Rhode Island to qualify for
the guaranty's backing. To check the status of an insurer, you can call
the Rhode Island Department of Business Regulation at 401-222-2246.
Your insurer will be licensed in Rhode Island.