Life Insurance Laws State-by-State

Much of the regulation of life insurance carriers happens on the federal level, however, 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

Premiums can vary by as much as 50%. Enter your ZIP code on the right, and with just one short form, you'll receive quotes from several insurers in your state. Start comparing quotes today:

Use InsureME to compare additional term life and whole life quotes, and get expert advice from an agent in your area, who can help you design a plan that's right for you. Click here to fill out a quick form.

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