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Life Insurance Laws State-by-State

Much of the regulation of life insurance carriers happens on the federal level, however most states also have regulations that affect policyholders.


This guide:

Lists the major laws governing life insurance in every state

Explains how these regulations affect you, the policyholder

Points you to the appropriate regulatory agency if you need more help

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State life insurance regulations

Most states do not regulate life insurance in such a way that affects the policyholder right from the start, as they do, for example, with auto or health insurance.

In fact, state regulations come into play most often at the time of the claim, a subject that is beyond the scope of this website (we have, nonetheless, included some of the information concerning claims procedure in each state guide.)

That being said, you should know that there are some provisions, such as the free look provision, which change form state to state. It is also a good idea to know whether your state allows policy illustrations, and what the regulations concerning medical exams and privacy are.


Click on your state's name from the list below, to read more about these and other regulations:

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut  
Delaware
DC
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts  
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire  
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming




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