Application Process Terms

When you submit an insurance application through our Services, you agree to the following additional terms:

All information provided in insurance applications must be true, complete, and accurate. Any false statements, misrepresentations, or omissions may

result in denial of coverage, policy rescission, denial of claims, or reporting to regulatory authorities for potential insurance fraud.

You authorize us and our appointed insurance carriers to collect, review, verify, and share all information provided in your application for underwriting purposes, including obtaining additional medical records, scheduling medical examinations, and conducting prescription database checks.

You acknowledge that diabetes-specific underwriting may require additional medical documentation, including recent A1C results, physician statements, medication lists, diabetes management records, and other health information as determined by the insurance carrier.

Electronic Signature Consent

By submitting any application or form through our Services electronically, you consent to the use of electronic signatures and agree that your electronic signature has the same legal validity and effect as a handwritten signature. You acknowledge that you have the right to request paper copies of any documents at any time.

Communication Authorization

By providing your contact information through our Services, you expressly consent to receive communications from us regarding your insurance applications, policy servicing, and related insurance products via phone (including autodialed and prerecorded calls), email, text message, or mail, even if your number is on a Do Not Call registry.

No Coverage in Force

You acknowledge that submitting an application through our Services does not create any insurance coverage. No coverage is in force until a policy is issued by an insurance carrier, delivered to you, and the initial premium is paid in accordance with the carrier's requirements.