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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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The insurance industry in South Carolina is regulated
under Section 38 of the South Carolina Code. These codes
outline claims procedures and policy requirements for the benefit of
consumers and insurers alike.
One consumer protection provided by the state is the 10-day
"free look" provision all South Carolina life insurance policies must
carry. During this window, a new policyholder can choose to decline the
coverage and still receive a fullpremium refund. This period is
extended to 30 days on policies delivered through the mail, (and some
insurers offer the longer trial period regardless).
Insurance South Carolina insurers are also obligated to settle claims within
thirty days of receipt of proof of death. If an insurer misses this
deadline, the final payment will include interest accrued from
the date of death through settlement.
However, Term Life
Insurance South Carolina 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, or
Insurance South Carolina insurers are also exempt from paying claims made within
the first two years where suicide is the cause of death. (Premiums will
be refunded, however.)
Information obtained by a South Carolina insurance company is
proprietary. They do not have to share the information they have
about you with you.
The South Carolina Life Insurance Guaranty
Licensed insurance companies in South Carolina pay
annual fees to the South Carolina Life and Accident and Health
Insurance Guaranty Association. This organization is designed to
protect insurance consumers, like you, by helping cover policies lost
through insurance company insolvency.
However, there are restrictions on this protection. In South Carolina
the compensation for lost death benefits is limited to $300,000 per
insured individual. This limit applies even in the event of
multiple policies with a higher total coverage.
And your insurer must be licensed in
Insurance South Carolina to qualify
for the guaranty's backing. To check the status of an insurer, you can
call the South Carolina Department of Insurance at 803-737-6180 for
Your insurer will be licensed in South Carolina.