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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
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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 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
brought current.
Term Life
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
the insured.
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
Term Life
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.
