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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 Washington DC is regulated under Title
31 of the District of Columbia Code. Under this title,
claims procedures and policy requirements are regulated in order to
protect you, the consumer.
One such consumer protection is the 30-day grace period that
policyholders have to make up a late premium payment. The
Term Life
Insurance Washington DCinsurer
cannot cancel the policy during this time. Should a claim be made
during the grace period, the beneficiary is entitled to the death
benefit minus the amount of the overdue premium.
The District of Columbia also requires insurers allow a "free look"
period of at least 10 days during which a potential policyholder can
decline any life or health policy for a full refund.
And while procedures will vary from company to company in DC, all
claims should be settled in a timely manner.
However, DC law extends some protection to insurers, as well.
Misrepresentation on the part of a policyholder can result in policy
cancellation, and refund of premiums is subject to the terms and
conditions of the
Term Life Insurance Washington DCpolicy. A misstatement of age will cause the death
benefit to be adjusted to reflect the actual age of the insured.
Usually, death by suicide is not covered during the first two
policy years and such a claim only obligates the insurer to a refund of
paid premiums.
Most life insurance policyholders are covered under
the District of Columbia Life and Health Insurance Guaranty
Association. This organization helps protect the consumer in cases
of insurance company insolvency.
However, there are some restrictions. Reimbursement for lost coverage
may not exceed $300,000 in death benefit proceeds or $100,000 in net
cash per person. These limits apply even to an insured with who
carries multiple life policies with a higher total amount of coverage.
And to be protected under the association, your insurance company
must be licensed by the district. Your insurer will be licensed in Washington D.C.
