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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
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The insurance industry in Tennessee is regulated under
Title 56 of the Tennessee Insurance Code. These codes
outline claims procedures and policy requirements for the benefit and
protection of you, the consumer.
One such protection is the 30-day grace period on late premium
payments required, by law, on all
Term Life Insurance Tennessee policies.
During this window, an insurer will not cancel the policy, and coverage
will continue uninterrupted so long as the account is brought current.
Insurance Tennessee insurers are also obligated to settle claims within 2 months
of receipt of proof of death. Any benefits that take longer to settle
may begin accruing interest. Your insurer's exact claims
procedure should be outlined in your policy.
However, Term Life
Insurance Tennessee 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
Tennessee insurers are also exempt from paying claims made within the
first two years where suicide is the cause of death.
Licensed insurance companies in Tennessee pay annual
fees to the Tennessee 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 Tennessee the
compensation for lost death benefits is limited to $300,000, and
compensation for lost cash surrender or withdrawal is limited to
$100,000. These limits are per person, and apply even in the
event of multiple policies with a higher total amount of coverage.
And your insurer must be licensed in
Insurance Tennessee to qualify for
the guaranty's backing. To check the status of an insurer, you can call
the Tennessee Department of Commerce and Insurance at
Your insurer will be licensed in Tennessee.