Much of the regulation of life insurance carriers happens on the federal level, however most states also have regulations that affect policyholders.
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
Premiums can vary by as much as 50% for the same coverage and options, so it pays to get quotes from as many reputable insurers as possible.
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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: