"the-best-insurance.com helped me save over $800 on my insurance."
-S. M. , Dallas, Texas
your time in the yellow pages dialing for deals we have thousands
of carriers looking to get your business...
enjoy the convenience of great offers coming to you while your
are sitting in your own home.
Save time, save money with our short easy single application that
electronically routes to many, many insurance companies. Why limit
yourself to just 1 or 2 or even a few insurers. Our Smart Routing
Technology (SRT) allows many companies to compete quickly for your business.
Saving time and money has never been easier with our enormous network of
top insurers fighting to earn your business. Simply fill out the
application starting with your name and zip code and see
just how much you can start putting back in your pocket year
after year! the-best-insurance.com works with thousands
of agents across the country.
Enter Your Zip Code And Click the Check For Your Free Quote!
your Free Insurance Quotes:
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 Texas is regulated under
Title 17 of the Texas 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 Texas life insurance
policies. During this window, an insurer will not cancel the policy,
and coverage will continue uninterrupted so long as the account is
Insurance Texas companies are also obligated to start the
settlement process within 15 days of receiving written notice of a
claim. A policyholder should be notified of the claim's status within
another 15 days. (If more information is required in order to settle,
the insurer should indicate this.)
In sum, an insurer should take no longer than 2 months to fully settle
a claim. Interest will begin accruing on benefits that take any
longer to settle.
However, Term Life
Insurance Texas 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
Texas insurers are also exempt from paying claims made within the first
year where suicide is the cause of death.
If your life insurance company is licensed in Texas,
your policy is backed by the Texas Life, Accident, Health & Hospital
Service Insurance Guaranty Association. This organization helps
protect you, the insured, should your insurance company go bankrupt.
However, there are restrictions on this protection. In Texas 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
Insurance Texas to qualify for the
guaranty's backing. To check the status of an insurer, you can call the
Texas Department of Insurance at 512-463-6169 or 1-800-252-3439.
Your insurer will be licensed in Texas.