If you are shopping for the best values in life insurance policies in Idaho, AccuQuote can help you compare the prices, features and financial strength of dozens of life insurance policies. Since 1986, we have consistently delivered the best values to hundreds of thousands of people. We can answer your questions, identify important issues and make meaningful recommendations.
Benefits of Idaho Life Insurance
The State Insurance Code of Idaho regulates the life insurance industry in the state. The code safeguards the interests of anyone purchasing a life insurance policy through provisions such as:
Free Look: Under the State Insurance Code of Idaho, every life insurance plan must contain a “free look” provision. This allows you to cancel your policy even if you’ve signed a contract and have received all the documentation from the life insurance company. Most companies will give a 10-day period for cancellation of the policy, but some may even extend this “free look” period to 30 days.
Grace Period: Life Insurance companies must provide a 30-day grace period to insurance holders who miss a payment before canceling their policy.
Life insurance companies have the right to contest any information reported in the application for up to two years from the date a policy has been issued. If any misinformation is proven, the company can cancel your policy. An allowance is made for misstated age. If age has been misstated, the policy rate will be adjusted to reflect the correct age.
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