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New Jersey Life Insurance

Looking for a New Jersey Life insurance policy? AccuQuote is one of the country’s largest and most respected life insurance brokerage firms. Since 1986, we’ve helped hundreds of thousands of people compare a variety of products from America’s top-rated life insurance companies.

We’d love to help you, too. Our personal service combined with unbiased professional recommendations can help you choose a value-based, affordable life insurance product that meets your needs.

Benefits of Having Life Insurance in New Jersey

The State Insurance Code of New Jersey regulates the life insurance industry in the state. The code protects citizens of New Jersey who are buying life insurance through provisions such as:

Free Look: Under the State Insurance Code, 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.

Processing of Death Benefits: All life insurance companies are required to settle death claims as soon as possible. If all documents are in order, this is usually two months.

Grace Period: Life insurance companies must provide a 30-day grace period to insurance holders who miss a payment for any reason. A 30-day grace period allows you to bring the account to current status. If payment is not made during this grace period the insurer can cancel the policy for non-payment.

Under the State Insurance Code, life insurance companies have the right to review a policy for any discrepancies up to two years after it has been issued. If incorrect information has been given on the application, the policy can be terminated. Misstatement of age is an exception and can be corrected at any time as long as the policy is in effect. The policy rate is adjusted to reflect the correct age.

Give AccuQuote a call today at 800-442-9899, and let us help you quickly and easily find the best life insurance rates without ever leaving your home or office.

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