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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
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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 West Virginia is regulated
under Title 39 of the West Virginia Revised Code. These
statutes outline claims procedures and policy requirements for the
benefit of consumers and insurers alike.
Oneconsumer protection required, by law, on all
Term Life
Insurance West Virginia policies is a 4-week grace period on late premium
payments. During this window, an insurer will not cancel the policy,
and coverage will continue uninterrupted so long as the account is
brought current.
And while West Virginia does not specify a particular claims procedure
all insurers must follow, claims should be settled in a timely
manner. If they are not, the death benefit proceeds may begin
accruing interest. Your policy will outline your insurer's procedure.
However, Term Life
Insurance West 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
the insured.
Licensed insurance companies in West Virginia pay
annual fees to the West Virginia Life and Health Insurance Guaranty
Association. This organization is designed to protect insurance
consumers, like you, by helping to cover policies lost through
insurance company insolvency.
However, there are restrictions on this protection. In West Virginia
the compensation for lost death benefits is limited to $300,000, and
compensation for lost cash values 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
Term Life
Insurance West Virginia to qualify
for the guaranty's backing. To check the status of an insurer, you can
call the West Virginia Insurance Commission at 304-558-3386 or
800-642-9004. Your insurer will be licensed in West Virginia.
