Short answer: West Virginia life policies must give a 31-day grace period for any premium after the first, during which the policy continues in full force; if a claim arises during grace before the overdue premium is paid, that premium may be deducted from the proceeds. Check your policy face page for the free-look window printed by the insurer.
This guide is general consumer information for West Virginia life insurance buyers. It isn't legal advice or a coverage determination. Policy wording, underwriting and the statutes linked below control.
31-day grace period
W. Va. Code §33-13-3 requires a provision that a grace period of thirty-one days shall be allowed for payment of any premium after the first, during which the policy continues in full force. If a claim arises under the policy during that grace period before the overdue premium is paid, the amount of such premium may be deducted from the policy proceeds.
Incontestability
The next section of the same article, §33-13-4, is the incontestability standard provision for West Virginia life policies. Read your policy's face page for the free-look or examination window your insurer prints; West Virginia's grace and incontestability rules are what we confirmed in the Code.
Insurer financial strength
For regulator help with insurer financial strength or solvency questions in West Virginia, start with the West Virginia Offices of the Insurance Commissioner.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in West Virginia.
Frequently asked questions
What's West Virginia's life insurance grace period?
31 days for premiums after the first, under W. Va. Code §33-13-3.
Where do I find West Virginia's free-look window?
On the policy face page printed by your insurer; we confirmed the grace period in the Code.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.