Blog - Illinois Insurance Hotline

Information covered in the Illinois Insurance Hotline blog is intended to provide general information and guidance, and should not be considered legal advice.

Does life insurance have to be in place two years before a beneficiary can collect?

May 5, 2021, 4:13 AM

Beneficiaries are eligible to receive benefits if the insured individual passes any time after the policy's effective date, provided premiums are paid up. However, most life insurance contracts have contestability clauses that enable the company to look more closely at claims submitted in the first two years of the policy. Click on the link below to learn more.

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Are You Driving Distracted?

Apr 28, 2021, 4:43 AM

Motorists are bombarded with distractions each time they slide behind the steering wheel. Cell phones, temperature controls, music settings, tending to children, admiring landscape, eating, drinking - the possibilities are endless. Unfortunately, distracted driving contributes to numerous auto accidents each year, causing thousands of dollars in property damage, personal injury, sometimes even death. Click on the link to learn more about distracted driving and strategies to help you stay focused behind the wheel.

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Do I need a public adjuster?

Apr 21, 2021, 4:45 AM

Three types of professionals resolve insurance claims - public adjusters, company staff adjusters, and independent adjusters. Click on the link to learn more about each and when to consider a public adjuster.

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Can not-at-fault claims cause me to lose auto insurance?

Apr 14, 2021, 4:20 AM

Possibly. Insurance companies periodically review policyholder claims to analyze future loss potential. All losses are considered. A nonrenewal means the risk of future claims is greater than the insurer is willing to accept. Click on the link to learn more.

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Severe Weather Preparedness - Part 2

Apr 8, 2021, 8:41 AM

Individuals that experience storm-related property damage often count on an insurance company to share repair costs. Avoid a coverage surprise by checking homeowners and auto insurance policy coverages before a loss occurs. Click on the link below for more information.

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