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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 Virginia is regulated under
Section 38 of the Code of Virginia. 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 Virginia policy. During this
window, a new policyholder can decide to decline the coverage and still
receive a full refund of premiums, without penalty.
The privacy of Virginia life insurance policyholders is also
protected by state law. Insurers cannot disclose personal information
without the written authorization of the policyholder. (All personal
requests for disclosure should also be made in writing.)
And while claims procedures in
Term Life Insurance Virginia vary from company to company,
insurers are obligated to settle claims in a timely manner. If
one is not, the benefits will begin accruing interest.
However, Term Life
Insurance Virginia 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
Virginia insurers are also exempt from paying claims made within the
first two years where suicide is the cause of death. (Premiums will be
Licensed insurance companies in Virginia pay annual
fees to the Virginia Life, Accident & Sickness Insurance Guaranty
Association. This organization is designed to protect insurance
consumers, like you, by helping cover policies lost through insurance
However, there are restrictions on this protection. In Virginia the
compensation for lost death benefits is limited to $300,000, and
compensation for net 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 Virginia to qualify for the
guaranty's backing. To check the status of an insurer, you can call the
Virginia consumer inquiries hotline at 800-552-7945 or 804-371-9741.
Your insurer will be licensed in Virginia.