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    <title>Free West Virginia Insurance FAQs | Free  West Virginia Insurance Legal Documents</title>
    <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/index.html</link>
    <description>LawInfo - Legal Resource Center offers free West Virginia Insurance legal forms and free West Virginia Insurance legal documents that is designed to help consumers and businesses resolve their legal issues</description>
    <item>
      <title>How Do I Obtain A Letter Of Certification Or Letter Of Clearance?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/how-do-i-obtain-a-letter-of-certification-or.html</link>
      <description>You must submit the following to the Insurance Department:&lt;ol&gt;&lt;li&gt;Completed Agent Request Form (also used to request duplicate license)&lt;li&gt;Check payable to WEST VIRGINIA INSURANCE COMMISSIONER Certification &amp;shy;&amp;shy; $ 5.00 per letter/ Clearance &amp;shy;&amp;shy; $10.00 per letter/ Duplicate License &amp;shy;&amp;shy; $5.00&lt;/ol&gt;</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Mon, 04 Jun 2007 21:51:22 GMT</pubDate>
    </item>
    <item>
      <title>How Do I Obtain The Licensing Application Forms?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/how-do-i-obtain-the-licensing-application-for.html</link>
      <description>All forms, except RAF and ATF, may be photocopied as long as the same color paper is used and the copies are legible. A supply of any form will be mailed, at no charge, upon written request. A large self&amp;shy;addressed envelope must accompany all requests. &lt;p&gt;Send all licensing forms and correspondence to Agents Licensing &amp; Education at the following address:&lt;ul&gt;Office of the Insurance Commissioner&lt;br&gt;Agent Licensing and Education &lt;br&gt;PO Box 50541&lt;br&gt;Charleston, WV 25305&amp;shy;0541&lt;/ul</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>How Do I Register For And Schedule An Insurance Licensing Examination?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/how-do-i-register-for-and-schedule-an-insuran.html</link>
      <description>Assessment Systems, Inc. (ASI) administers insurance licensing examinations in West Virginia. Candidates may make a reservation by:&lt;ul&gt;&lt;li&gt;calling ASI Customer Care at (800) 274&amp;shy;2614&lt;li&gt;faxing the Fax Reservation Form (found in the Candidate Handbook) to ASI at (888) 204&amp;shy;6291 &lt;li&gt;visiting the ASI Web site http://www.asisvcs.com &lt;/ul&gt;&lt;p&gt;Candidates should make a reservation by phone at least three (3) business days before the desired examination date or by fax or on the Web at least four days prior. Exam locations in the area include Dunbar, Morgantown, Beckley, Cumberland, MD and Pittsburgh, PA. The examination fee is $110 and must be paid on the day of the examination.&lt;p&gt;The following are the examination requirements for specific licenses:&lt;p&gt;&lt;table&gt;&lt;tr&gt;&lt;td&gt;&lt;b&gt;Resident License&lt;/b&gt;&lt;/td&gt;&lt;td&gt;&lt;b&gt;Exam&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Life&lt;/td&gt;&lt;td&gt;Life&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Accident and Sickness&lt;/td&gt;&lt;td&gt;Accident and Sickness&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Property and Casualty&lt;/td&gt;&lt;td&gt;Property and Casualty&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Title&lt;/td&gt;&lt;td&gt;No examination required&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Ticket Baggage&lt;/td&gt;&lt;td&gt;No examination required&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Credit Life/Credit A&amp;S&lt;/td&gt;&lt;td&gt;No examination required&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Car Rental Agent&lt;/td&gt;&lt;td&gt;No examination required&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Excess Lines Broker&lt;/td&gt;&lt;td&gt;Excess Lines Broker&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Adjuster&lt;/td&gt;&lt;td&gt;Adjuster&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p&gt;Applicants with an approved WAIVER must make an examination reservation and present the ORIGINAL approved waiver form at the assessment center. &lt;p&gt;The Candidate Handbook is available to assist and guide applicants through the examination and licensing process. It is suggested, that applicants familiarize themselves with this information before registering for the examination(s).</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Are The Licensing Application Procedures For A Non-Resident License?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-are-the-licensing-application-procedures.html</link>
      <description>Legal residents of a state other than West Virginia must apply for a Non&amp;shy;resident license. For a Non&amp;shy;resident Agent License (life, Accident and Sickness, Variable Annuity, Property&amp;shy;Casualty) applicants must submit:&lt;ol&gt;&lt;li&gt;Application Form LA&amp;shy;5&lt;br&gt;Part I &amp;shy;&amp;shy; Completed by applicant; must be signed &amp; notarized.&lt;br&gt;Part II &amp;shy;&amp;shy; Completed and signed by Appointing Official for the insurance company.&lt;br&gt;Self&amp;shy;addressed envelope must be submitted with every application.&lt;li&gt;Attach ORIGINAL letter of certification from applicant's home state insurance department. Letter of certification must have been issued within 90 days of making application.&lt;li&gt;License fee of $25.00 per agent per insurance company. &lt;br&gt;Make check payable to WEST VIRGINIA INSURANCE COMMISSIONER.&lt;/ol&gt;&lt;p&gt;For non&amp;shy;residents selling credit life/credit accident &amp; sickness coverage through auto dealerships, financial institutions or any other business where credit life/credit accident &amp; sickness is offered in connection with products offered by these facilities, submit:&lt;p&gt;Form CLA&amp;shy;1&amp;shy;&amp;shy;Part I completed &amp; signed by applicant and notarized. &lt;br&gt;Part II completed &amp; signed by Appointing Official. &lt;br&gt;Affidavit regarding child support obligation. &lt;br&gt;Letter of Certification from home state insurance department. &lt;br&gt;Letter of Certification must have been issued within 90 days of making application. &lt;br&gt;License fee&amp;shy;&amp;shy;$25.00 per company. &lt;br&gt;Make check payable to WEST VIRGINIA INSURANCE COMMISSONER. &lt;br&gt;Self&amp;shy;addressed envelope&amp;shy;&amp;shy;Acknowledgment will be mailed to requesting insurance company. &lt;p&gt;A service representative permit is issued to non&amp;shy;resident salaried employees of insurance companies who enter the state to assist and advise resident agents. Please submit the following:&lt;p&gt;Form NSR&amp;shy;1&amp;shy;&amp;shy;Completed &amp; signed by applicant and notarized. &lt;br&gt;$25.00 license fee. Make check payable to WEST VIRGINIA INSURANCE COMMISSIONER.&lt;br&gt;Self&amp;shy;addressed envelope for return of acknowledgment to the company. &lt;br&gt;License card will be mailed directly to the applicant's residence address.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Are The Licensing Application Procedures?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-are-the-licensing-application-procedures.html</link>
      <description>For a Resident Agent license, you will need to submit to Agent Licensing:&lt;ol&gt;&lt;li&gt;Form LA&amp;shy;3 (Revised 6/1997) &lt;br&gt;Part I &amp;shy;&amp;shy; Completed by applicant; must be signed &amp; notarized.&lt;br&gt;Part II &amp;shy;&amp;shy; Completed and signed by Appointing Official for the insurance company. &lt;br&gt;Acknowledgment of issuance of license will be mailed to the insurance company. License card will be mailed directly to the Agent's residence address. Self&amp;shy;addressed envelope must be submitted with every application.&lt;li&gt;Original pre&amp;shy;licensing Course Completion Certificate (Form PL789E) &lt;li&gt;Original testing service score report. &lt;li&gt;Clearance letter(s) from any other state(s) applicant held resident license. If you have an approved Waiver (from pre&amp;shy;licensing education and part I of exam), submit the original approved Waiver form with your application.&lt;li&gt;License fee &amp;shy;&amp;shy; $25.00 Checks made payable to WEST VIRGINIA INSURANCE COMMISSIONER&lt;/ol&gt;&lt;p&gt;Residents applying for a Variable Annuity License must hold a life license or be applying for a life license and must submit:&lt;p&gt;Form LA&amp;shy;3 (Revised 6/1997)&amp;shy;&amp;shy;Part I completed and signed by Agent. &lt;br&gt;Part II completed and signed by Appointing Official. &lt;br&gt;Copy of NASD registration (Series 6 or Series 7 AND Series 63). &lt;Br&gt;License fee&amp;shy;&amp;shy;$25.00 if applying for a Life license. &lt;br&gt;No fee if already licensed for Life and only applying for Variable Annuity. &lt;br&gt;No insurance department exam required. &lt;br&gt;Self&amp;shy;addressed envelope&amp;shy;&amp;shy;Acknowledgment will be mailed to requesting insurance company.&lt;p&gt;For individuals selling credit life/credit accident &amp; sickness coverage through auto dealerships, financial institutions or any other business where credit life/credit accident &amp; sickness is offered in connection with products offered by these facilities, no pre&amp;shy;licensing education or exam is required. Please submit:&lt;p&gt;Form CLA&amp;shy;1&amp;shy;&amp;shy;completed and signed by Agent and Company. &lt;br&gt;Affidavit regarding child support obligation. &lt;br&gt;License fee&amp;shy;&amp;shy;$25.00 per company. &lt;br&gt;Make check payable to WEST VIRGINIA INSURANCE COMMISSONER. &lt;br&gt;Self&amp;shy;addressed envelope&amp;shy;&amp;shy;Acknowledgment will be mailed to requesting insurance company.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Are The Licensing Renewal Procedures?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-are-the-licensing-renewal-procedures.html</link>
      <description>All licenses expire annually on May 31st. Renewal instructions are mailed to the insurance companies in March with deadline for return by May 1st. The individual agents are not responsible, other than notifying the Insurance Department of a change of residence address, for renewing their licenses. Service Representative Permits expire annually on March 31st and renewal instructions are mailed to the insurance companies in January</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Are The Requirements For An Adjuster License?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-are-the-requirements-for-an-adjuster-lic.html</link>
      <description>Prelicensing Education IS NOT required of adjusters.&lt;p&gt;West Virginia Resident Applicants&lt;br&gt;A legal resident of West Virginia MUST apply as a resident adjuster. To apply, the following materials must be submitted to the West Virginia Insurance Commissioner:&lt;br&gt;Completed Adjuster Application&lt;br&gt;Original ASI Passing Score Report&lt;br&gt;Clearance Letter (if applicable)&lt;br&gt;Applicants who have held any insurance license in any other state(s) must obtain a letter of clearance from the state(s) and submit same with this application&lt;br&gt;License Fee ($25) Make check payable to the West Virginia Insurance Commissioner.&lt;br&gt;Nonresident Applicants&lt;br&gt;A legal resident of a state other than West Virginia MUST apply as a nonresident adjuster. To apply, the following materials must be submitted to the West Virginia Insurance Commissioner:&lt;p&gt;Completed Adjuster Application&lt;br&gt;Letter of Certification from the applicant's home state insurance department (if the applicant's home state will license West Virginians applying as nonresident adjusters)&lt;br&gt;Original ASI Score Report&lt;br&gt;(Nonresident applicants who are not licensed as adjusters in their state of residence MUST pass the West Virginia Adjuster's examination)&lt;br&gt;License Fee ($25) Make check payable to the West Virginia Insurance Commissioner.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Are The Requirements For An Excess Line Broker License?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-are-the-requirements-for-an-excess-line.html</link>
      <description>For an Excess Line Broker License, prelicensing education is not required.&lt;br&gt;Applicants for an Excess Line Broker license must:&lt;p&gt;Be currently licensed as a West Virginia resident agent.&lt;br&gt;Have 3 consecutive years of experience immediately preceding the date of application. One of those years must be as a licensed West Virginia resident agent.&lt;br&gt;Complete and submit the proper application for approval to the West Virginia Insurance Commissioner.&lt;br&gt;Submit the required $200 license fee.&lt;br&gt;File a bond in favor of the state of West Virginia in the amount of $2,000.&lt;br&gt;Once a passing score has been attained, the applicant must mail the original score report to the West Virginia Insurance Commissioner's Agent Licensing Division before a license will be issued.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Mon, 04 Jun 2007 21:51:22 GMT</pubDate>
    </item>
    <item>
      <title>What Is The Continuing Education Requirement?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-is-the-continuing-education-requirement.html</link>
      <description>Any West Virginia resident holding an active or inactive (no active appointments) license and any active solicitor licensee must comply with the continuing education requirements. Compliance with continuing education will not be required of:&lt;ul&gt;Non&amp;shy;resident licensees &lt;br&gt;Residents holding only credit life/credit accident and sickness (powers 15) licenses and Adjusters. &lt;/ul&gt;&lt;p&gt;Agents and solicitors must accumulate twenty&amp;shy;four (24) hours of continuing education from approved providers every two years. Only those courses taken during the biennium (two year reporting period) can be credited to that biennium. Credit hours in excess of the required 24 hours will not be carried over to the next biennium.&lt;p&gt;Approved providers of continuing education courses will be responsible for submitting proof of course completion to the Insurance Commissioner to be recorded on agents' records. Agents and insurance companies will not be required to submit proof of course completion. However agents are required to maintain certificates of course completion for three years in the event of an audit of courses is necessary. Three to six months prior to the end of a biennium, the Insurance Department will notify licensees, at their residence mailing address, advising the status of their continuing education credits.&lt;p&gt;Lists of approved providers may be obtained by sending a written request along with a large, self&amp;shy;addressed return envelope to:&lt;ul&gt;West Virginia Insurance Dept. Agents Licensing and Education&lt;br&gt;P.O. Box 50541&lt;br&gt;Charleston, WV 25305&amp;shy;0541&lt;/ul&gt;</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Is The Pre-Licensing Education Requirement?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-is-the-pre-licensing-education-requireme.html</link>
      <description>Resident agent applicants must complete a pre&amp;shy;licensing course as follows:&lt;p&gt;&lt;table&gt;&lt;tr&gt;&lt;td&gt;Life Only:&lt;/td&gt;&lt;td&gt;30 Hours&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Accident and Sickness Only&lt;/td&gt;&lt;td&gt;30 Hours&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Life and A&amp;S&lt;/td&gt;&lt;td&gt;40 Hours&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td&gt;Property&amp;shy;Casualty:&lt;/td&gt;&lt;td&gt;40 Hours&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p&gt;CLU and CPCU designees are exempt from this requirement. &lt;p&gt;Information on Approved Pre&amp;shy;licensing schools is available from Agents Licensing &amp; Education: (304) 558&amp;shy;0610. Students will receive Certificate of Course Completion from the pre&amp;shy;licensing school and must appear for the state licensing exam within 90 days of course completion date.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>What Is The Procedure For Obtaining An Appointment?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/what-is-the-procedure-for-obtaining-an-appoin.html</link>
      <description>An officer of the insurance company must submit written request to authorize an individual as an Appointing Official. Insurance companies are required to make an investigation as to the suitability of every appointee prior to submitting licensing/appointing forms. The Insurance Commissioner may request proof of such investigation. &lt;p&gt;To appoint a currently licensed resident agent to represent additional insurance companies, submit: &lt;p&gt;Form RAF&amp;shy;&amp;shy;completed and signed by an authorized Appointing Official. &lt;br&gt;License Fee&amp;shy;&amp;shy;$25.00 per agent. One check for the total amount per form is required. Make check payable to WEST VIRGINIA INSURANCE COMMISSIONER &lt;br&gt;Self&amp;shy;addressed envelope&amp;shy;&amp;shy; Yellow copy of RAF will be acknowledged &amp; returned in this envelope. &lt;p&gt;To terminate an agent's appointment, submit: &lt;br&gt;Form ATF&amp;shy;&amp;shy;completed and signed by an authorized Appointing Official. &lt;br&gt;Self&amp;shy;addressed envelope&amp;shy;&amp;shy; Pink copy of ATF will be acknowledged and returned to the company in this envelope.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
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    <item>
      <title>Where Can I Obtain Insurance Licensing Information?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/where-can-i-obtain-insurance-licensing-inform.html</link>
      <description>You may obtain licensing information from the State of West Virginia Office of the Insurance Commissioner. Agents Licensing &amp;amp; Education oversees the agents' pre&amp;shy;licensing and continuing education programs, the insurance licensing exam system and maintains records on all agents, excess line brokers, service representatives and adjusters licensed to sell insurance in West Virginia.&#xD;
&lt;p&gt;Address:&lt;/p&gt;&#xD;
&lt;ul&gt;Office of the Insurance Commissioner&#xD;
    &lt;li&gt;Agent Licensing and Education&lt;/li&gt;&#xD;
    &lt;li&gt;Greenbrooke Building&lt;/li&gt;&#xD;
    &lt;li&gt;1124 Smith Street, Room 305&lt;br /&gt;&#xD;
    Charleston, WV 25305&lt;/li&gt;&#xD;
&lt;/ul&gt;&#xD;
&lt;p&gt;Mailing Address:&lt;/p&gt;&#xD;
&lt;ul&gt;PO Box 50541&lt;br /&gt;&#xD;
    Charleston, WV 25305&amp;shy;0541&lt;/ul&gt;&#xD;
    &lt;p&gt;Telephone: 304&amp;shy;558&amp;shy;0610 or 304&amp;shy;558&amp;shy;0611&lt;/p&gt;&#xD;
    &lt;p&gt;Fax: 304&amp;shy;558&amp;shy;4966&lt;/p&gt;&#xD;
    &lt;p&gt;E&amp;shy;mail: wvinsag@mail.wvnet.edu &lt;/p&gt;&#xD;
    &lt;p&gt;Web site: http://www.state.wv.us/insurance&lt;/p&gt;</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Sun, 20 Apr 2008 15:25:59 GMT</pubDate>
    </item>
    <item>
      <title>Who Is Eligible To Become Licensed In West Virginia?</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Insurance/West-Virginia/who-is-eligible-to-become-licensed-in-west-vi.html</link>
      <description>To be licensed as a Resident Insurance Agent, applicants must:&lt;ul&gt;&lt;li&gt;Be a resident of West Virginia.&lt;li&gt;Be eighteen years of age or older.&lt;li&gt;Be appointed as an agent by a licensed insurer for the kinds of insurance for which application is made.&lt;li&gt;Satisfy the Insurance Commissioner that he or she is trustworthy and competent.&lt;li&gt;Take the examination(s) administered by Assessment Systems, Inc. (ASI).&lt;li&gt;The Insurance Commissioner will not require an examination as proof of competency for a person applying for an agent's license if such person holds the designation of Chartered Life Underwriter (CLU) or Chartered Property Casualty&lt;li&gt;Underwriter (CPCU).&lt;li&gt;Complete an approved program of study and present a Certificate of Course Completion at the test site.&lt;/ul&gt;&lt;p&gt;Individuals licensed in another state who intend to move to West Virginia and apply for a West Virginia resident agent's license may apply for waiver of the pre&amp;shy;licensing education requirement and take only Part II of the licensing examination that covers West Virginia's state laws, rules &amp; regulations.&lt;p&gt;To qualify for a WAIVER, an applicant must be able to furnish proof (Letter of Clearance) that, within the last sixty days prior to making application, the applicant held an active license as a resident insurance agent in a state other than West Virginia for each line of insurance for which application is made. Contact Agents Licensing &amp; Education to obtain a Request for Waiver form.</description>
      <category>West Virginia Insurance FAQs</category>
      <pubDate>Tue, 29 May 2007 21:19:00 GMT</pubDate>
    </item>
    <item>
      <title>Free Auto Insurance FAQs</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/West-Virginia/index.html</link>
      <description>Free Auto Insurance FAQs</description>
      <category>Insurance Sub-categories</category>
      <pubDate>Fri, 27 Nov 2009 05:04:12 GMT</pubDate>
    </item>
    <item>
      <title>Free Health Insurance FAQs</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Health-Insurance/West-Virginia/index.html</link>
      <description>Free Health Insurance FAQs</description>
      <category>Insurance Sub-categories</category>
      <pubDate>Fri, 27 Nov 2009 05:04:12 GMT</pubDate>
    </item>
    <item>
      <title>Free Home Owners Insurance FAQs</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Home-Owners-Insurance/West-Virginia/index.html</link>
      <description>Free Home Owners Insurance FAQs</description>
      <category>Insurance Sub-categories</category>
      <pubDate>Fri, 27 Nov 2009 05:04:12 GMT</pubDate>
    </item>
    <item>
      <title>Free Life Insurance FAQs</title>
      <link>http://resources.lawinfo.com/en/Legal-FAQs/Life-Insurance/West-Virginia/index.html</link>
      <description>Free Life Insurance FAQs</description>
      <category>Insurance Sub-categories</category>
      <pubDate>Fri, 27 Nov 2009 05:04:12 GMT</pubDate>
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