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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
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desiring your business.
The insurance industry in Vermont is regulated under
Title 8 of the Vermont Statutes. These codes 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
contained, by law, in every
Term Life Insurance Vermont policy. During this
window, a new policyholder can decide to decline the coverage and still
receive a full refund of premiums, without penalty.
Vermont law also requires insurance companies to allow a 30-day
grace period on late premium payments. An insurer cannot cancel a
life insurance policy during this grace period, and coverage will
continue uninterrupted so long as the account is brought current.
Vermont insurers are obligated to settle life insurance claims within
30 days of receiving proof of death. Benefits not paid by this time
begin accruing interest at a rate of 12%. A detailed description
of the exact claims procedure accepted by your insurance company will
included in your policy.
And while there are no laws in
Term Life Insurance Vermont limiting an insurance company's
freedom to disclose policyholder information, insurers are obligated
to honor any policyholder request for this information.
However, Term Life
Insurance Vermont 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.
Vermont insurers are also exempt from paying claims made within the
first two years where suicide is the cause of death. (Premiums will be
refunded.)
The Vermont Life Insurance Guaranty
If your life insurance company is licensed in Vermont,
your policy is backed by the Vermont Life and Health Insurance
Guaranty Association. This organization helps protect you, the
insured, should your insurance company go bankrupt.
However, there are restrictions on this protection. In Vermont, 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 Vermont to qualify for the
guaranty's backing. To check the status of an insurer, you can call the
Vermont Banking, Insurance, Securities & Health Care Administration
at 802-828-3301.
Your insurer will be licensed in Vermont.
