Securing your family’s financial future could be one of the most important decisions you ever make. If you’re looking for the best value in Massachusetts life insurance policies, AccuQuote can make it easy for you. We compare the prices, features and financial strength of dozens of the country’s most-trusted life insurance companies. There’s no simpler way to shop the market for the best coverage.
We have consistently delivered the world-class service to hundreds of thousands of people providing a variety of life insurance products since 1986.
Benefits of Massachusetts Life Insurance
The State Insurance Code of Massachusetts regulates the life insurance industry in the state. The code protects citizens of Massachusetts who buy life insurance with provisions such as:
Processing of Death Benefits: All life insurance companies are required to settle death claims within a reasonable amount of time. Provided all the paperwork is in order, this is usually within two months. The Code also allows the accumulation of interest on death benefits if they are not paid in a timely manner.
Free Look: Every life insurance plan must contain a “free look” provision. This allows you to cancel your policy even if you have signed a contract and have received all policy documents 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 are protected by state regulations, too. They have the right to contest any information that a consumer puts on the application for up to two years after the policy is in force. If there is any discrepancy, the policy can be terminated. An exception is made for misstatement of age. In such a case, the policy rate is adjusted to reflect the correct age.
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