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North Carolina Insurance: Policy Holders Have a Variety of Protection and Benefits under State Law

A North Carolina life insurance policy entitles the holder to a variety of protections and benefits under state law. For example, in the Tar Heel State, the 10-day "free look" provision is extended to 30 days for any policy received in the mail. Policy holders can also request any and all information that was used in the underwriting process. However, finding your North Carolina term life insurance policy means getting quick quotes from many insurers.

This is where the help of an experienced insurance service makes a difference. Spectrum Direct provides quotes for anyone interested in North Carolina term life insurance. We also offer information and quotes on permanent products, such as Whole Life, Universal Life and Survivorship policies. Do you need help choosing your policy? We know that not every type of insurance is appropriate for your needs. We can give you the information you need to decide.

You should be familiar with North Carolina life insurance regulations before taking out your policy. For example, the state allows insurance companies to withhold death benefits if the policy holder commits suicide within two years of taking out the policy. In addition, any misstatements on the part of the applicant can cause the policy to be cancelled, with a full refund of premiums paid.

With the help of a North Carolina life insurance expert, the regulations that affect your policy can be explained so that your policy will be set up with a minimum of time and effort. Spectrum Direct makes it easy, and our Instant Quote feature adds the extra convenience of quick results. Affordable North Carolina life insurance is readily available. Our insurance services put you on the road to the protection you need.

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