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Alaska Life Insurance

 

Life Insurance Laws in Alaska are more designed to protect residents from claims instead of regulating the actual policies and coverage's like is done on many other types of Alaska Insurance.  Most Alaskan laws regarding Life Insurance are covered under title 27 of the Insurance Code of Alaska. 

 

All Alaska Life Insurance Companies must pay claims within 2 months or face accrued interest charges.  In Alaska claims must be filed with the insurance company as well as the Alaska Department of Insurance.

 

Another mandated coverage for all Alaska Life Insurance Companies is for them to allow a 30 day grace period when it comes to paying premiums late.  As long as the premium gets to the insurance company within 30 days the policy is still considered in force.

 

In Alaska, Life Insurance companies will pay fees to join the Alaska Life and Disability Guaranty Association.  This association protects the consumers from the insurance company going broke and not being able to pay claims.  The association offers maximum pay outs of $300,000 for a life insurance death claim, and $100,000 for losses of cash surrender value.  All Alaska Life Insurance Companies must be licensed to be listed by this association so you can feel comfortable with the quality of company you are dealing with.

 

Alaska does offer some protections for Life Insurance Companies, one of which allows life insurance companies to terminate a policy, up to 2 years from when it was effective, for false statements made on the application.

 

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Alaska Life Insurance Policies

 

There are many policies and options when choosing an Alaska Life Insurance Contract. The most important question to answer is: How much insurance do you need?  Once that question is answered you can decide which policy is right for your family. By speaking with an Alaska Insurance Agent you can fully understand the options available. QuicklyQuoteMe will give you some insight into the different policies available in the market place.

 

                           Request an Alaska Life Insurance Quote

 

 

AK Universal Life Insurance

This type of Alaska policy is also called AK permanent life insurance or AK whole life insurance. It provides either a level death benefit or variable death benefit to consumers. The underlying contract fund will grow on a more level basis than a comparable Alaska variable life insurance policy but it is certainly not Alaska guaranteed life insurance.

 

If you would like additional information about Universal Life Insurance in Alaska click here.

 

                            Request an Alaska Universal Life Insurance Quote

 

 

AK Variable Life Insurance

Alaska Variable Life Insurance combines permanent life insurance with an underlying investment account. It allows for further tax deferred savings in an account that can be accessed prior to retirement.  Each Alaska policy will allow many different fund options for the conservative investor or the aggressive. A professional Alaska Life Insurance Agent will be able to appropriately recommend when this policy. 

 

If you would like additional information about Variable Life Insurance in Alaska click here.

 

                            Request an Alaska Variable Life Insurance Quote

 

 

AK Term Life Insurance

Alaska Term Life insurance allows for an individual to fully protect their family while on a budget. It is offered in 10, 15, 20, and 30 year increments and is typically level for the entire time period. Due to many debts and financial obligations families are often left with less than adequate life insurance protection. By talking with an Alaska Insurance Agent you will get a proper recommendation for the correct amount of insurance. Many times it makes the most sense to combine an AK Whole Life Insurance Policy with an AK Term Life Insurance Policy into what is called a blend.

 

If you would like additional information about Term Life Insurance in Alaska click here.

 

                            Request an Alaska Term Life Insurance Quote

 

 

As a further resource for Alaska Life Insurance please go to this site and download the booklet:

 

Finding the Right Alaska Life Insurance Professional

A large part of the process is working with the right agent.  Start by asking for referrals to Alaska licensed agents from your accountants and/or attorneys. The attorney and accountant would be putting there reputation on the line if your future Alaska life insurance agent was unprofessional.

 

Does the Alaska agent have any professional designations? If an agent has one or more professional designations, it means that person has sought advanced training, passed rigorous exams and is serious about his or her professional growth and development. Keep in mind, though, that Alaska professional designations are just one factor to consider when choosing an Alaska agent. There are plenty of excellent Alaska insurance agents who haven't earned professional designations, so don't assume that one Alaska agent is better than another simply on the basis of earned designations, which are generally displayed as initials after his/her name.

 

Go through the following links to learn what some of the designations indicate:

Chartered Life Underwriter (CLU)

Life Underwriter Training Council Fellow (LUTCF)

Chartered Financial Consultant (ChFC)

Accredited Estate Planner (AEP)

Certified Financial Planner (CFP)

Registered Health Underwriter (RHU)

 

One other consideration is to ask whether the AK agent is a member of any professional organizations. This shows that the Alaska agent is actively involved in developing his or her skills and staying on top of the latest industry trends and developments. The three most prominent organizations are listed below:

National Association of Insurance and Financial Advisors (NAIFA)

The Million Dollar Round Table (MDRT)

Association for Advanced Life Underwriting (AALU)

 

 

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If you are a Life insurance agent looking for Alaska Life Insurance Leads click here.

 

 

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