Louisiana Department of Insurance – Emergency Rule 40 (AMENDED) – Moratorium on Policy Cancellations/Non-Renewals for Policyholders in Louisiana during the Outbreak of Coronavirus Disease (COVID-19)

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Emergency Rule 40, originally issued on March 26, 2020, is hereby amended to provide further clarification of the rating plans that all insurers are to utilize in pricing their products, to provide for changes caused by the federal Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), other matters related to the protections afforded to insureds, and how all insurers are to operate during Emergency Rule 40.

The purpose of Emergency Rule 40 is to impose a moratorium on policy cancellations and non-renewals for policyholders in Louisiana during the outbreak of the coronavirus disease (COVID-19). Emergency Rule 40 is effective during the period of time from March 12 thru May 12. Cancellations for fraud and material misrepresentations or upon written request by the consumer continue to be permitted during this period. Insureds remain obligated to pay all premiums. Emergency Rule 40 does not apply to new policies issued after the effective date therein.

View Emergency Rule 40 here.

Frank Opelka
Deputy Commissioner – Health, Life & Annuity
Louisiana Department of Insurance
(225) 342-1355
Frank.Opelka@ldi.la.gov

Warren Byrd
Deputy Commissioner – Office of Property and Casualty
Louisiana Department of Insurance
(225) 342-5203
Warren.Byrd@ldi.la.gov

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Wincorp is the most important reason that I am still succeeding after 38 years in this business. If you have your contracts scattered across the country with various FMOs, I would urge you to consider allowing Wincorp to handle all your contracts for you, just like me.

Randall Eaton Lee's Summit, MO

The reason I decided a few years ago to start working with WinCorp Marketing is because the owner, Doug West, and his team are far and away superior to any other FMO with whom I have done business.

Randall Eaton Lee's Summit, MO

“The Team over at WinCorp has helped me take my business to the next level. Their dedicated Marketing Staff and Back Office support have provided me with unparalleled service over the years, helping me get my business placed and issued quickly.”

Matthew, Insurance Advisor IL

Not only will you always get a friendly, caring person to work with you, but you will get fair contracts and will be treated as if you are the only broker in their organization. Doug and his team have been working with agents like us for over 20 years.

Randall Eaton Lee's Summit, MO

In my 35 years in the Insurance business, I have never dealt with a Marketing Organization like Wincorp! I not only get top service, but they make me feel like I am a valued member of the family. I can count on getting honest answers, and that is rare. Doug, Russ and Jean are the best I have ever dealt with.

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Hat’s off to Doug and the team at Wincorp Mkt. The most important thing to me is communication. I’ve been in this business a lot of years, and everybody is always talking product. The thing that Doug and Russ do is to get it from product to marketing. What needs are we trying to solve for our clients and how can we best do that?

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I can call Wincorp at anytime with a marketing question, with a “what do you think” question, and they’ve got the experience and know how to help solve my clients’ needs. You’d think that would be a given with any broker…not so… believe me, I’ve about seen them all in 30 years.. you get hooked up with a group like Doug, Russ and Jean and it makes your business day a whole lot easier.

Dennis, Central IA

In addition to being extremely knowledgeable, he has what I consider to be very high ethics. I often run sales ideas by him for his feedback, knowing he will always recommend what he believes to be the best product, even though occasionally that product is one that I carry through a different marketer. Those ethics, over the years, has caused me to have as much, or more, trust in him as anyone I currently do business with today. I strongly recommend him to anyone considering doing business with him.

Don Crouch, LUTCF, CSA, MART

I have been doing business with Doug West for over seven years. During that time I have come to believe that he is one of the best, most reliable, and genuine marketers that I have done business with in the thirty seven years I have sold insurance.

Don Crouch, LUTCF, CSA, MART