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+ Service Charge
POLICY STATEMENTS FOR E-COMMERCE:
DELIVERY POLICY: Payment of a deposit insurance premium for a pending insurance application does not assure that the policy is in effect. Only the insurance company can bind the insurance coverage after underwriting and reviewing the application. Insurance premiums paid online after the application has been approved ("in-force policy") however, will be immediately forwarded to the insurance company and will continue the policy in-force.
REFUND POLICY: If the insurance application is declined, the premium will be refunded in full immediately. Refunds of insurance premiums paid for an in-force policy (ie. after the insurance application has been accepted by the insurance company), will be refunded in accordance with the refund policies of the insurance company. If the cancellation is made after the effective date of the policy, than there will be some reduction in the refund based on the time for which the policy is in effect.