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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
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The insurance industry in Wisconsin is regulated under
Chapter 632 of the Wisconsin Statutes. These codes
outline claims procedures and policy requirements for the benefit of
consumers and insurers alike.
Insurance Wisconsin companies are obligated to settle claims
in a timely manner. If an insurer has not settled within 30 days
of receipt of proof of death, the benefits begin earning interest
(which will be included in the final payment).
Another consumer protection is the 20-day "free look" period insurers
must allow when a policyholder is replacing an old policy with a
new one. During this window, coverage can still be declined for a
full refund of premiums. Many
Term Life Insurance Wisconsin insurers will also include
a 10-day "free look" period on all policies (not just replacements).
And while insurers in
Term Life Insurance Wisconsin are permitted to share policyholder
information, you will be informedof the manner and scope of
that information at the time of application. Policyholder requests for
information should be honored within 30 days.
However, Wisconsin law extends some protections to insurers,
too. Insurers retain the right to challenge any statements made on a
policy or its application for the policy's first two years. An insurer
can choose to charge extra premiums or cancel coverage if any
misstatements are found.
Wisconsin insurers are also except from having to honor claims made
within the first two policy years where suicide is the cause of death.
Licensed life insurance companies in Wisconsin pay
annual fees to the Wisconsin Insurance Security Fund. This fund
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 Wisconsin the
compensation for lost death benefits is limited to $300,000 per
individual. This limit applies even in the event of multiple
policies with a higher total amount of coverage.
And your insurer must be licensed in
Insurance Wisconsin to qualify for
the fund's backing. To check the status of an insurer, you can call the
Wisconsin Office of the Commissioner of Insurance at (608) 266-3585 in
Madison or toll free at 1-800-236-8517.
Your insurer will be licensed in Wisconsin.