By using our insurance services, you agree to comply with and be bound by these Terms and Conditions. These terms govern your relationship with [Your Company Name] and apply to all policies, products, and services provided. Please read them carefully before purchasing or renewing any policy. If you do not agree, you should not use our services. We reserve the right to update or modify these terms at any time without prior notice. Continued use of our services after changes constitutes your acceptance of the updated terms. For any questions or clarifications, please contact our support team before proceeding.
All applicants must meet eligibility criteria set forth by the insurer, including age, residency, and other underwriting requirements. When applying for insurance, you agree to provide accurate, truthful, and complete information. Any false or misleading statements may result in policy denial or cancellation. The application is subject to approval, underwriting assessment, and premium payment. Acceptance of your application creates a binding contract only after confirmation by the insurer. We recommend reviewing your application carefully to ensure all details are correct and up to date.
Each insurance policy outlines specific coverage terms, limits, exclusions, and conditions. Coverage begins once the policy is active and premiums are paid. It is your responsibility to understand what is and isn’t covered under your chosen plan. Any additional riders or endorsements will be clearly stated in your policy documents. We encourage you to ask questions and review your policy regularly to ensure it meets your current needs. Coverage does not apply to events or claims occurring outside the policy terms or exclusions.
Premium payments must be made according to the agreed schedule—monthly, quarterly, or annually. Failure to pay premiums on time may lead to policy suspension or cancellation. Premiums are subject to change based on underwriting reviews, claims history, or regulatory changes. Any changes to payment terms will be communicated in advance. Refunds for canceled policies will be handled in accordance with the terms specified in your contract. Please contact customer service for any billing inquiries or payment assistance.
To file a claim, notify us as soon as possible using the designated contact methods. Claims must be supported by all required documentation and truthful information. We will review and process claims in a timely manner following our procedures and insurer guidelines. The decision on claims is final, subject to the terms of your policy. Fraudulent claims will be rejected and may result in legal action. Our team is committed to assisting you throughout the claims process to ensure clarity and support.
You may cancel your insurance policy at any time by providing written notice. Cancellation terms, including refund eligibility and notice periods, are outlined in your policy documents. We reserve the right to cancel policies in cases of non-payment, fraud, or breach of terms. Upon cancellation, coverage ends as specified, and any remaining premium balances or refunds will be handled accordingly. It is important to notify us promptly to avoid gaps in coverage.
Our liability is limited to the terms and conditions outlined in your insurance policy. We are not responsible for indirect, incidental, or consequential damages arising from the use or inability to use our services. All policies are subject to applicable laws and regulations. We strive to provide accurate information but cannot guarantee uninterrupted or error-free service. For any disputes, applicable laws and jurisdiction will apply as stated in your policy agreement.