Effective Date: [INSERT EFFECTIVE DATE] Last Revised: September 13, 2026
These Terms and Conditions constitute a legally binding agreement between you and Everlasting Legacies LLC. Please read them carefully before enrolling in or using any insurance product or service offered by Everlasting Legacies LLC.
1.1 Agreement to Terms. These Terms and Conditions ("Terms," "Agreement") govern your access to and use of all insurance products, services, digital platforms, and communications provided by Everlasting Legacies LLC, a limited liability company organized and existing under the laws of the State of [INSERT STATE] ("Company," "we," "us," or "our"). By applying for, enrolling in, or maintaining any insurance policy issued by Everlasting Legacies LLC, you ("Policyholder," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.
1.2 Scope of Agreement. These Terms apply to all lines of insurance offered by Everlasting Legacies LLC, including but not limited to life insurance, property and casualty insurance, health insurance, and general liability insurance. Where a specific policy, endorsement, rider, or certificate of coverage conflicts with these Terms, the terms of the individual policy document shall control with respect to that specific coverage.
1.3 Capacity to Contract. By accepting these Terms, you represent and warrant that: (a) you are at least eighteen (18) years of age or the age of majority in your jurisdiction; (b) you have the legal capacity and authority to enter into this Agreement; and (c) all information you have provided to the Company is accurate, complete, and not misleading.
1.4 Electronic Acceptance. Your electronic signature, submission of an application, payment of a premium, or continued maintenance of a policy shall each constitute valid and binding acceptance of these Terms.
For purposes of these Terms and all associated policy documents, the following terms shall have the meanings set forth below:
2.1 "Beneficiary" means the person(s), entity, or entities designated by the Policyholder to receive policy proceeds or benefits upon the occurrence of a covered event, including the death of the Insured.
2.2 "Claim" means a formal written request submitted by a Policyholder, Insured, or authorized representative to the Company seeking payment of benefits or indemnification under a policy.
2.3 "Coverage" means the specific risks, perils, events, or losses for which the Company agrees to provide insurance protection, as described in the applicable policy documents, endorsements, and riders.
2.4 "Coverage Period" means the period of time during which a policy is in force and Coverage is active, as specified in the Declarations Page of the applicable policy.
2.5 "Declarations Page" means the document forming part of the policy that identifies the Policyholder, Insured, Coverage Period, Coverage limits, deductibles, premium amounts, and other key policy terms.
2.6 "Deductible" means the amount the Policyholder or Insured is required to pay out-of-pocket before the Company's obligation to pay benefits under a policy is triggered.
2.7 "Endorsement" means a written amendment, modification, or addition to a policy that changes the terms, conditions, or Coverage of the original policy.
2.8 "Exclusion" means a specific condition, circumstance, event, or loss that is expressly not covered under a policy.
2.9 "Grace Period" means the period of time following a missed premium due date during which a policy remains in force and the Policyholder may remit payment without lapse of Coverage.
2.10 "Insured" means the individual(s) or entity whose life, health, property, or liability is covered under a policy. The Insured may or may not be the same person as the Policyholder.
2.11 "Insurable Interest" means a legally recognized financial or personal interest in the subject matter of insurance such that the Policyholder would suffer a genuine loss upon the occurrence of the insured event.
2.12 "Lapse" means the termination of a policy due to non-payment of premium or failure to satisfy other conditions required to maintain Coverage.
2.13 "Limit of Liability" means the maximum dollar amount the Company is obligated to pay under a policy for any single claim, occurrence, or policy period.
2.14 "Material Misrepresentation" means a false, misleading, or incomplete statement of fact made by the Policyholder or Insured that, if known to the Company, would have affected the Company's decision to issue the policy or the terms under which it was issued.
2.15 "Policy" means the entire written contract of insurance between the Company and the Policyholder, including the application, Declarations Page, these Terms, endorsements, riders, and any other attached documents.
2.16 "Policyholder" means the individual or entity that owns the insurance policy and is responsible for payment of premiums.
2.17 "Premium" means the amount of money the Policyholder is required to pay to the Company in exchange for insurance Coverage, as specified in the Declarations Page.
2.18 "Rider" means an optional add-on provision that modifies or supplements the Coverage provided under a base policy.
2.19 "Subrogation" means the Company's right, after paying a claim, to pursue a third party that caused the loss in order to recover the amount paid.
2.20 "Underwriting" means the process by which the Company evaluates risk and determines whether to issue a policy and on what terms.
3.1 Eligibility Requirements. Eligibility for insurance products offered by Everlasting Legacies LLC is subject to the Company's Underwriting guidelines in effect at the time of application. The Company reserves the right to establish and modify eligibility criteria for each line of insurance in accordance with applicable law.
3.2 Application Process. All applicants must complete a written or electronic application in the form prescribed by the Company. The application shall include, at minimum: (a) full legal name and contact information; (b) date of birth and government-issued identification; (c) information regarding the subject matter of insurance; and (d) any additional information required by the applicable line of insurance.
3.3 Duty of Disclosure. Applicants have an affirmative duty to disclose all material facts relevant to the risk being insured. Failure to disclose material information, or the provision of false or misleading information, may result in rescission of the policy, denial of claims, or both, to the fullest extent permitted by applicable law.
3.4 Underwriting Review. The Company reserves the right to accept, decline, or conditionally approve any application based on its Underwriting criteria. Acceptance of a premium payment does not constitute acceptance of an application or binding of Coverage until the Company issues a policy or binder in writing.
3.5 Insurable Interest Requirement. No policy shall be issued unless the Policyholder has a valid Insurable Interest in the subject matter of insurance at the time the policy is issued. For life insurance policies, Insurable Interest must exist at the time of policy issuance.
3.6 Group Enrollment. Where insurance is offered on a group basis (e.g., employer-sponsored health or life insurance), enrollment shall be governed by the applicable group policy and certificate of coverage, which shall supplement these Terms.
4.1 Policy Documents Control. The specific terms, conditions, Coverage limits, exclusions, and definitions applicable to each policy are set forth in the individual policy documents issued to the Policyholder. In the event of any conflict between these Terms and the individual policy documents, the individual policy documents shall control.
4.2 Commencement of Coverage. Coverage under any policy shall commence on the effective date stated in the Declarations Page, provided that: (a) the application has been accepted by the Company; (b) the initial premium has been received and cleared; and (c) all conditions precedent to Coverage have been satisfied.
4.3 Territorial Scope. Unless otherwise specified in the applicable policy, Coverage is limited to losses occurring within the United States of America, its territories, and possessions. Coverage outside this territory requires a specific endorsement.
4.4 Cooperation Clause. The Policyholder and Insured shall cooperate fully with the Company in the investigation, defense, and settlement of any claim. Failure to cooperate may result in denial or reduction of benefits.
4.5 Concealment and Fraud. Any fraud, intentional concealment, or misrepresentation of a material fact by the Policyholder or Insured, whether at the time of application or in connection with a claim, shall void the policy and relieve the Company of all obligations thereunder, to the extent permitted by applicable law.
4.6 Assignment of Policy. No policy or interest therein may be assigned by the Policyholder without the prior written consent of the Company, except as otherwise provided by law or the terms of the individual policy.
4.7 Entire Agreement. The policy, together with the application and any endorsements or riders, constitutes the entire agreement between the parties with respect to the insurance Coverage provided and supersedes all prior negotiations, representations, or agreements.
5.1 Types of Life Insurance. Everlasting Legacies LLC offers term life, whole life, universal life, and variable life insurance products, subject to availability and applicable state regulations. The specific product type, Coverage amount, and terms shall be set forth in the applicable policy.
5.2 Death Benefit. Upon the death of the Insured during the Coverage Period, the Company shall pay the death benefit specified in the Declarations Page to the designated Beneficiary, subject to the terms, conditions, and exclusions of the policy.
5.3 Beneficiary Designation. The Policyholder may designate one or more primary and contingent Beneficiaries. Beneficiary designations must be made in writing on a form approved by the Company. The Policyholder may change the Beneficiary designation at any time prior to the Insured's death, unless the designation is irrevocable. If no Beneficiary is designated or surviving, the death benefit shall be paid to the Policyholder's estate.
5.4 Contestability Period. During the first two (2) years from the policy issue date or reinstatement date ("Contestability Period"), the Company reserves the right to contest the validity of the policy based on Material Misrepresentation in the application. After the Contestability Period, the policy shall be incontestable except for non-payment of premiums or fraud.
5.5 Suicide Exclusion. If the Insured dies by suicide, whether sane or insane, within two (2) years of the policy issue date or reinstatement date, the Company's liability shall be limited to a refund of premiums paid, less any outstanding policy loans, in accordance with applicable state law.
5.6 Policy Loans. For permanent life insurance policies with accumulated cash value, the Policyholder may borrow against the cash value of the policy, subject to the terms of the individual policy. Outstanding policy loans, plus accrued interest, shall be deducted from the death benefit or cash surrender value.
5.7 Cash Surrender Value. Permanent life insurance policies may accumulate cash surrender value over time. The Policyholder may surrender the policy for its cash surrender value, subject to any applicable surrender charges and tax consequences. Surrender terminates all Coverage under the policy.
5.8 Accelerated Death Benefit. Subject to availability and applicable state law, the Company may offer an accelerated death benefit rider allowing the Insured to receive a portion of the death benefit upon diagnosis of a terminal illness. Terms and conditions of this rider are set forth in the applicable endorsement.
6.1 Scope of Coverage. Property and casualty insurance policies issued by Everlasting Legacies LLC may include homeowners, renters, commercial property, auto, and related lines of coverage. The specific perils covered, Coverage limits, and deductibles are set forth in the applicable policy.
6.2 Insurable Interest in Property. The Policyholder must have an Insurable Interest in the covered property at the time of loss. Coverage shall not exceed the Policyholder's actual financial interest in the property.
6.3 Valuation of Loss. Unless otherwise specified in the policy, property losses shall be valued on an actual cash value basis (replacement cost less depreciation). Replacement cost coverage is available by endorsement and subject to additional premium.
6.4 Duties After Loss. Upon the occurrence of a covered loss, the Policyholder shall: (a) promptly notify the Company; (b) take all reasonable steps to protect the property from further damage; (c) cooperate with the Company's investigation; (d) submit a sworn proof of loss within the time period specified in the policy; and (e) permit the Company to inspect the damaged property.
6.5 Pair and Set Clause. In the event of loss to one item of a pair or set, the Company's liability shall be limited to the value of the lost or damaged item, without obligation to pay for the loss in value of the remaining items.
6.6 Subrogation Rights. Upon payment of a property or casualty claim, the Company shall be subrogated to all rights of recovery the Policyholder may have against any third party responsible for the loss. The Policyholder shall not take any action that impairs the Company's subrogation rights.
6.7 Appraisal. If the Policyholder and the Company disagree on the value of a loss, either party may demand an appraisal. Each party shall select a competent, independent appraiser. The two appraisers shall select an umpire. Agreement by any two of the three shall be binding on the amount of loss.
6.8 Mortgagee Clause. Where a mortgagee or lienholder is named in the policy, the Company's obligations to such mortgagee shall be governed by the standard mortgage clause attached to the policy.
7.1 Covered Services. Health insurance policies issued by Everlasting Legacies LLC provide Coverage for medically necessary services as defined in the applicable policy. Covered services may include, but are not limited to, preventive care, hospitalization, emergency services, prescription drugs, mental health services, and rehabilitative care, subject to the terms and limitations of the policy.
7.2 Network Providers. Coverage may be subject to network restrictions. The Policyholder is encouraged to verify that a provider is in-network prior to receiving services. Out-of-network services may result in higher cost-sharing or may not be covered, except in emergency situations as required by applicable law.
7.3 Prior Authorization. Certain services, procedures, medications, or referrals may require prior authorization from the Company before Coverage is available. Failure to obtain required prior authorization may result in reduced benefits or denial of coverage. The Company shall maintain and publish a list of services requiring prior authorization.
7.4 Coordination of Benefits. If the Insured is covered under more than one health insurance plan, benefits shall be coordinated in accordance with the coordination of benefits provisions set forth in the applicable policy and applicable state law to prevent duplication of payments.
7.5 Continuation of Coverage. The Policyholder may have rights to continue health insurance coverage following certain qualifying events (e.g., loss of employment) pursuant to applicable federal and state continuation coverage laws, including the Consolidated Omnibus Budget Reconciliation Act (COBRA) and applicable state mini-COBRA laws.
7.6 Preventive Care. In accordance with applicable federal law, the Company shall provide coverage for certain preventive care services without cost-sharing requirements, as specified in the applicable policy and as required by the Affordable Care Act and related regulations.
7.7 Mental Health Parity. The Company shall provide mental health and substance use disorder benefits in parity with medical and surgical benefits, in accordance with the Mental Health Parity and Addiction Equity Act (MHPAEA) and applicable state law.
7.8 Prescription Drug Coverage. Where prescription drug coverage is included, the Company shall maintain a formulary of covered medications. The formulary is subject to change with appropriate notice to Policyholders. The Policyholder is responsible for applicable copayments, coinsurance, and deductibles.
8.1 Coverage Grant. General liability insurance policies issued by Everlasting Legacies LLC provide Coverage for bodily injury and property damage liability, personal and advertising injury liability, and medical payments, as specified in the applicable policy and subject to the applicable Limit of Liability.
8.2 Defense Obligations. The Company shall have the right and duty to defend the Insured against any suit seeking damages covered under the policy, even if the allegations are groundless, false, or fraudulent. The Company's duty to defend is separate from and broader than its duty to indemnify. The Company's obligation to defend terminates when the applicable Limit of Liability has been exhausted.
8.3 Consent to Settle. The Company shall not settle any claim without the Insured's consent, which shall not be unreasonably withheld. If the Insured refuses a reasonable settlement offer within the policy limits, the Company's liability shall not exceed the amount for which the claim could have been settled.
8.4 Additional Insureds. Additional insured status may be extended to third parties by endorsement. The rights of additional insureds are subject to the terms and conditions of the policy and shall not exceed the rights of the named Insured.
8.5 Products and Completed Operations. Coverage for products liability and completed operations is available by endorsement and subject to the terms and conditions set forth therein.
8.6 Occurrence vs. Claims-Made. General liability policies may be written on an occurrence basis or a claims-made basis, as specified in the Declarations Page. For claims-made policies, the claim must be first made and reported during the policy period or any applicable extended reporting period.
8.7 Umbrella and Excess Coverage. Umbrella and excess liability coverage may be available to provide additional limits above the underlying general liability policy. Such coverage is subject to the terms of the applicable umbrella or excess policy.
9.1 Premium Obligation. The Policyholder is obligated to pay all premiums when due as specified in the Declarations Page or billing statement. Premiums may be paid on an annual, semi-annual, quarterly, or monthly basis, subject to the Company's billing options and any applicable installment fees.
9.2 Payment Methods. The Company accepts premium payments by electronic funds transfer (ACH), credit card, debit card, check, or money order, subject to availability. The Company reserves the right to modify accepted payment methods with reasonable notice.
9.3 Premium Due Date and Grace Period. Premiums are due on the date specified in the billing statement. The Company shall provide a Grace Period of not less than thirty-one (31) days for life insurance policies and ten (10) days for property and casualty policies, or such longer period as required by applicable state law. Coverage remains in force during the Grace Period.
9.4 Late Payment. If a premium is not received by the end of the Grace Period, the policy shall Lapse and Coverage shall terminate as of the premium due date, subject to applicable state law. The Company shall provide written notice of Lapse in accordance with applicable law.
9.5 Premium Adjustments. Premiums may be adjusted at renewal based on changes in risk, claims experience, regulatory requirements, or the Company's Underwriting guidelines. The Company shall provide advance written notice of any premium increase as required by applicable law.
9.6 Returned Payments. If a premium payment is returned for insufficient funds or any other reason, the Company may assess a returned payment fee and the policy may be subject to Lapse. The Company reserves the right to require future payments by certified funds.
9.7 Premium Refunds. Upon cancellation of a policy, the Company shall refund any unearned premium on a pro-rata basis, unless the policy provides for a short-rate calculation upon Policyholder-initiated cancellation, as permitted by applicable law.
9.8 Automatic Payment. The Policyholder may enroll in automatic premium payment. By enrolling, the Policyholder authorizes the Company to debit the designated account on each premium due date. The Policyholder may cancel automatic payment with reasonable advance notice.
10.1 Notice of Claim. The Policyholder or Insured must provide written notice of a claim to the Company as soon as reasonably practicable after the occurrence of a covered loss, and in no event later than the time period specified in the applicable policy. Notice shall include the Policyholder's name, policy number, date of loss, and a brief description of the loss.
10.2 Proof of Loss. Following notice of a claim, the Policyholder or Insured shall submit a completed proof of loss form, together with all supporting documentation, within the time period specified in the applicable policy. Supporting documentation may include, but is not limited to, medical records, police reports, repair estimates, receipts, and death certificates.
10.3 Company's Right to Investigate. The Company reserves the right to investigate any claim, including the right to: (a) inspect damaged property; (b) obtain independent medical examinations; (c) request recorded statements; (d) review relevant records; and (e) conduct surveillance, to the extent permitted by applicable law.
10.4 Claims Acknowledgment. The Company shall acknowledge receipt of a claim within ten (10) business days of receipt and shall provide the Policyholder with the name and contact information of the assigned claims representative.
10.5 Claims Decision. The Company shall accept or deny a claim, in whole or in part, within the time period required by applicable state law. Any denial shall be in writing and shall state the specific policy provision(s) upon which the denial is based.
10.6 Payment of Claims. Approved claims shall be paid within the time period required by applicable state law. Payment shall be made to the Policyholder, Insured, or Beneficiary, as applicable, or as otherwise directed by court order.
10.7 Disputed Claims. If the Policyholder disputes the Company's claims decision, the Policyholder may request an internal review, file a complaint with the applicable state insurance department, or pursue the dispute resolution procedures set forth in Section 15 of these Terms.
10.8 Fraudulent Claims. The submission of a fraudulent claim is a criminal offense. The Company shall report suspected fraud to appropriate law enforcement authorities and shall pursue all available legal remedies, including rescission of the policy and recovery of amounts paid.
11.1 General Exclusions. Unless otherwise provided by endorsement, no policy issued by Everlasting Legacies LLC shall provide Coverage for losses arising from or related to:
(a) War and Military Action. Any act of war, declared or undeclared, invasion, insurrection, rebellion, revolution, or military or usurped power.
(b) Nuclear Hazard. Any nuclear reaction, radiation, or radioactive contamination, however caused.
(c) Intentional Acts. Any loss intentionally caused by or at the direction of the Policyholder or Insured.
(d) Criminal Acts. Any loss arising from the Policyholder's or Insured's commission of or attempt to commit a felony or other criminal act.
(e) Contractual Liability. Any liability assumed by the Insured under any contract or agreement, except to the extent such liability would exist in the absence of the contract.
(f) Pre-Existing Conditions. For health insurance policies, conditions that existed prior to the effective date of Coverage, subject to applicable federal and state law limitations on pre-existing condition exclusions.
(g) Illegal Activities. Any loss arising from the Policyholder's or Insured's participation in illegal activities.
(h) Cyber Events. Any loss arising from a cyberattack, data breach, or electronic data destruction, unless specifically covered by endorsement.
11.2 Line-Specific Exclusions. Additional exclusions applicable to specific lines of insurance are set forth in the individual policy documents. Policyholders are encouraged to review their policy documents carefully.
11.3 Limitations. Coverage under all policies is subject to the Limits of Liability, deductibles, and sub-limits set forth in the Declarations Page. The Company's total obligation under any policy shall not exceed the applicable Limit of Liability, regardless of the number of claims, claimants, or occurrences.
12.1 Cancellation by Policyholder. The Policyholder may cancel any policy at any time by providing written notice to the Company. Cancellation shall be effective on the date specified in the notice or the date the notice is received by the Company, whichever is later. The Company shall refund any unearned premium in accordance with Section 9.7.
12.2 Cancellation by Company. The Company may cancel a policy during the policy period only for the reasons and upon the notice required by applicable state law, which may include: (a) non-payment of premium; (b) Material Misrepresentation in the application; (c) substantial change in risk; or (d) other grounds permitted by law. The Company shall provide written notice of cancellation to the Policyholder at the address on file.
12.3 Non-Renewal. The Company may elect not to renew a policy at the end of the policy period by providing written notice to the Policyholder at least the number of days in advance required by applicable state law. The Policyholder shall have the right to seek alternative coverage during the notice period.
12.4 Automatic Renewal. Unless the Policyholder or the Company provides timely notice of cancellation or non-renewal, certain policies may automatically renew for successive policy periods on the terms and at the premium rates then in effect. The Company shall provide advance notice of renewal terms and premium as required by applicable law.
12.5 Reinstatement. A lapsed policy may be reinstated within the time period specified in the applicable policy, subject to: (a) payment of all overdue premiums and applicable fees; (b) satisfactory evidence of insurability, if required; and (c) the Company's approval. Reinstatement shall not cover losses that occurred during the lapse period.
12.6 Effect of Cancellation. Upon cancellation, all Coverage under the policy shall terminate as of the effective date of cancellation. Cancellation shall not affect the Company's obligations with respect to claims arising from covered losses that occurred prior to the cancellation date.
13.1 Collection of Information. Everlasting Legacies LLC collects personal information from and about Policyholders and Insureds in connection with the application, issuance, and administration of insurance policies. This information may include, but is not limited to, name, address, date of birth, Social Security number, financial information, medical information, and claims history.
13.2 Use of Information. The Company uses collected information to: (a) evaluate applications and underwrite policies; (b) administer policies and process claims; (c) detect and prevent fraud; (d) comply with legal and regulatory requirements; and (e) communicate with Policyholders regarding their policies.
13.3 Disclosure of Information. The Company may disclose personal information to: (a) reinsurers and other insurance companies; (b) service providers acting on the Company's behalf; (c) regulatory and law enforcement authorities as required by law; and (d) other parties as permitted by applicable law and the Company's Privacy Policy.
13.4 Privacy Policy. The Company's full Privacy Policy, which is incorporated herein by reference, describes in detail the Company's practices regarding the collection, use, and disclosure of personal information. The Privacy Policy is available at [INSERT WEBSITE URL] and upon request.
13.5 Gramm-Leach-Bliley Act Compliance. The Company complies with the privacy requirements of the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws. Policyholders have the right to opt out of certain information sharing practices as described in the Company's annual privacy notice.
13.6 Health Information Privacy. For health insurance policies, the Company complies with the Health Insurance Portability and Accountability Act (HIPAA) and applicable state health privacy laws. Protected health information shall be used and disclosed only as permitted by law.
13.7 Data Security. The Company maintains reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, use, or disclosure. In the event of a data breach affecting Policyholder information, the Company shall provide notification as required by applicable law.
14.1 Scope of Liability. The Company's liability under any policy is strictly limited to the Coverage provided in the applicable policy documents and shall not exceed the Limits of Liability set forth in the Declarations Page. The Company shall not be liable for any loss, damage, or expense not expressly covered under the applicable policy.
14.2 Consequential Damages. To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to any policy, claim, or the Company's performance or non-performance of its obligations, except as expressly provided in the applicable policy.
14.3 Third-Party Claims. The Company's obligations under any policy run solely to the Policyholder and Insured named in the policy. Nothing in these Terms or any policy shall be construed to create any rights in favor of any third party, except as expressly provided by law or the terms of the applicable policy.
14.4 Force Majeure. The Company shall not be liable for any delay or failure to perform its obligations under any policy to the extent such delay or failure is caused by circumstances beyond the Company's reasonable control, including but not limited to acts of God, natural disasters, pandemics, government actions, or failures of third-party service providers, provided that the Company uses commercially reasonable efforts to resume performance as soon as practicable.
14.5 Regulatory Compliance. Nothing in this Section shall be construed to limit the Company's obligations under applicable insurance laws and regulations, including prompt payment statutes and bad faith standards.
15.1 Informal Resolution. In the event of any dispute, controversy, or claim arising out of or relating to any policy or these Terms ("Dispute"), the parties shall first attempt to resolve the Dispute informally by contacting the Company's Customer Service department. The Company shall respond to any written complaint within thirty (30) days of receipt.
15.2 State Insurance Department. Policyholders have the right to file a complaint with the insurance regulatory authority in their state of residence at any time. Nothing in these Terms shall be construed to limit or waive this right.
15.3 Binding Arbitration. If a Dispute cannot be resolved informally within sixty (60) days, either party may elect to submit the Dispute to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, or such other arbitration body as the parties may agree. The arbitration shall be conducted by a single arbitrator with expertise in insurance law. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
15.4 Arbitration Exceptions. Notwithstanding Section 15.3, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration. Claims for Coverage under a policy shall not be subject to mandatory arbitration to the extent prohibited by applicable state law.
15.5 Class Action Waiver. To the fullest extent permitted by applicable law, all Disputes shall be resolved on an individual basis. The Policyholder waives any right to bring or participate in any class action, collective action, or representative proceeding arising out of or relating to any policy or these Terms.
15.6 Costs of Arbitration. Each party shall bear its own attorneys' fees and costs in connection with any arbitration, except that the arbitrator may award attorneys' fees and costs to the prevailing party in accordance with applicable law.
16.1 Applicable Law. These Terms and all policies issued by Everlasting Legacies LLC shall be governed by and construed in accordance with the laws of the State of [INSERT STATE], without regard to its conflict of laws principles, except to the extent that applicable federal law or the law of the state in which the Policyholder resides mandates the application of different law.
16.2 Regulatory Compliance. All policies issued by Everlasting Legacies LLC are subject to the insurance laws and regulations of the state in which the policy is issued or delivered. In the event of any conflict between these Terms and applicable state insurance law, the applicable state law shall control.
16.3 Jurisdiction and Venue. For any Dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in [INSERT COUNTY AND STATE], except as otherwise required by applicable law.
16.4 Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
17.1 Company's Right to Amend. Everlasting Legacies LLC reserves the right to amend, modify, or update these Terms at any time, subject to the requirements of applicable insurance law. Amendments to these Terms shall not affect the terms of policies already in force except as required by law or as agreed to in writing by the Policyholder.
17.2 Notice of Amendments. The Company shall provide written notice of any material amendment to these Terms to Policyholders at least thirty (30) days prior to the effective date of the amendment, or such longer period as required by applicable law. Notice may be provided by mail, electronic communication, or posting on the Company's website.
17.3 Continued Use as Acceptance. The Policyholder's continued maintenance of a policy following the effective date of any amendment shall constitute acceptance of the amended Terms. If the Policyholder does not agree to the amended Terms, the Policyholder may cancel the policy in accordance with Section 12.1.
17.4 Policy Endorsements. Amendments to individual policy terms shall be made by written endorsement signed by an authorized officer of the Company. No agent, broker, or other representative of the Company has authority to modify policy terms orally or in writing except by formal endorsement.
For questions, claims, billing inquiries, or complaints, please contact Everlasting Legacies LLC using the information below:
Everlasting Legacies LLC
Contact Type
Details
Mailing Address
[INSERT STREET ADDRESS], [INSERT CITY, STATE, ZIP CODE]
Customer Service Phone
[INSERT PHONE NUMBER]
Claims Hotline
[INSERT CLAIMS PHONE NUMBER]
Email Address
[INSERT EMAIL ADDRESS]
Website
[INSERT WEBSITE URL]
Hours of Operation
[INSERT BUSINESS HOURS]
Licensed In
[INSERT STATES WHERE LICENSED]
For after-hours claims emergencies, please call our 24-hour claims line at [INSERT 24-HOUR CLAIMS NUMBER].
To file a complaint with your state insurance department, please visit the National Association of Insurance Commissioners (NAIC) website at www.naic.org for contact information for your state's insurance regulator.
By applying for, enrolling in, or maintaining any insurance policy issued by Everlasting Legacies LLC, you acknowledge that:
You have read and understand these Terms and Conditions in their entirety;
You agree to be bound by these Terms and Conditions;
You have had the opportunity to seek independent legal counsel prior to accepting these Terms;
All information you have provided to the Company is accurate and complete to the best of your knowledge; and
You understand that these Terms do not constitute legal advice and that you should consult a licensed attorney for advice specific to your situation.
These Terms and Conditions were prepared for Everlasting Legacies LLC. This document is intended as a general framework and does not constitute legal advice. Everlasting Legacies LLC should consult with licensed legal counsel to ensure compliance with all applicable federal and state insurance laws and regulations before using this document.
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