Enrollment/Coverage Terms & Conditions
Terms & Conditions:
1. Coverage Purchase is final. No cancellations or refunds will be issued.
2. Coverage will be effective the date the correct premium is received by the Company, or an authorized representative of the Company or the Effective Date of the coverage period, whichever is later, unless otherwise stated in the Master Policy.
3. Rates are not pro-rated other than as listed on this website and in the Master Policy.
4. Applicant must meet the eligibility requirements for this coverage as described in the Brochure. If it is later determined that the applicant is not eligibile, coverage will be deemed to have not been in force and the premium will be returned.
5. Applicant has read the Brochure and understands all eligibility requirements, benefit descriptions and exclusions explained in the Brochure.
6. FRAUD NOTICE: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, the insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
7. I understand my information is protected by privacy laws and will be released only in accordance with these laws.


I understand and agree to the above conditions.