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Life Insurance in Kansas

Life insurance policies in the state of Kansas do not have a lot of state specific regulations mandated by the State Department of Insurance in the way that health or auto insurance policies do.

However, there are certain provisions created by the department to oversee and protect the rights of those purchasing a policy.

Why do I need life insurance?

With life insurance coverage, you can feel secure knowing that your beneficiaries will have some help covering your final expenses and other financial needs they’ll face without you.

Kansas was ranked 29th out of 50 states and the District of Columbia in life expectancy in 2014, with a life expectancy of 78.74 years. With this in mind, people living in Kansas may want to consider their life insurance options.

Kansas life insurance specifics

The insurance industry in Kansas is regulated by The State Insurance Code of Kansas. The state uses this code to regulate claims and provide certain provisions to protect consumers, such as:

  • Grace Period
    The Kansas state insurance code mandates that all Insurance companies allow a 30-day grace period on late payments. If you miss a premium payment for any reason, you must be given 30 days to bring the account current before the insurer can cancel the policy for non-payment.
  • Suicide
    Kansas Life policies generally will not pay a death benefit if suicide is determined to be the cause of death and the policy is less than 2 years old. In such an event, only a refund of the premiums paid thus far will be paid to the beneficiary.

Kansas life Insurance state resources

Kansas Department of Insurance
The purpose of the Department of Insurance is to faithfully execute the state insurance laws in a manner that protects insurance customers and the Kansas life insurance industry.

Kansas Life & Health Insurance Protection Association
State guaranty associations are there to provide protection and continuing coverage, even in the event that a life insurance company becomes insolvent.

Life Insurance Company Ratings From A.M. Best, Standard and Poors and Moody’s
A.M. Best and Standard and Poors provide ratings for life insurance companies based on financial strength and past performance.

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