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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 experts and agents do the hard work for you and provide you
with the best offers from top insurers. Fill out a very short form. Low risk
or even high risk applicants. We are here with hundreds of Insurance carriers wanting your business. Our Service is second
to none. Why go to an office with one carrier when you can have many
desiring your business.
The insurance industry in South Dakota is regulated
under Title 58 of the South Dakota Codified Laws. These
laws 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
all Term Life
Insurance South Dakota policies must carry. During this
window, a new policyholder can choose to decline the coverage and still
receive a fullpremium refund. Some insurers offer a 30-day
period, so check your new policy.
Insurance companies in South Dakota are also obligated to settle life
insurance claims within 2 months of receipt of proof of death. Insurers
may pay interest on policies that take longer to settle, but
because insurers are free to set their own settlement procedures, this
won't always be the case. (Your policy will specify your insurer's
settlement procedure.)
The privacy of
Term Life Insurance South Dakota policyholders is protected by law. Your
life insurance company is not allowed to disclose medical information
to other insurers. But it is obligated to honor your requests for
medical information.
However, South Dakota 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.
A misstatement of age can be discovered at any time and will
result in the reduction of death benefits to reflect the actual age of
the insured.
South Dakota 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.)
Licensed insurance companies in South Dakota pay
annual fees to the South Dakota Life 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 Dakota 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
Term Life
Insurance South Dakota to qualify for
the guaranty's backing. To check the status of an insurer, you can call
the South Dakota Division of Insurance at 605-773-3563.
Your insurer will be licensed in South Dakota.
