Terms of Service

1. Acceptance of Terms

By accessing or using the Blessed Insurance Group website, submitting an inquiry or application, requesting a quote, or engaging our services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

If you do not agree to these Terms, please do not use our website or services. Your continued use of our services constitutes your ongoing acceptance of these Terms as they may be modified from time to time.

You represent that you are at least 18 years of age and have the legal capacity to enter into binding agreements. If you are using our services on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

2. Description of Services

Blessed Insurance Group is a licensed insurance agency operating in the State of North Carolina. We provide insurance brokerage and consulting services, including but not limited to:

• Life Insurance: Whole life, term life, universal life, and final expense policies
• Health Insurance: Individual and family health coverage options
• Mortgage Protection Insurance: Coverage to protect your home and family
• Annuities: Fixed and indexed annuity products for retirement planning
• Insurance Consultations: Needs analysis, coverage reviews, and personalized recommendations

As an independent insurance agent, we work with multiple insurance carriers to find coverage options that suit your needs. However, we do not represent every insurance company in the marketplace, and our recommendations are limited to the products available through our contracted carriers.

3. Role of the Insurance Agent

It is important to understand the role of Blessed Insurance Group and Earnest E. Kittrell Jr. as your insurance agent:

What We Do

• Provide information about insurance products and coverage options
• Assist you in understanding your insurance needs
• Present quotes and applications to insurance carriers on your behalf
• Help you compare policies and coverage options
• Facilitate the application and underwriting process
• Provide ongoing service for your insurance policies
• Assist with policy questions and changes

What We Do Not Do

• We do not issue insurance policies; only the insurance carrier can issue a policy
• We do not guarantee approval of any application
• We do not make underwriting decisions
• We do not determine claims eligibility or make claim payments
• We do not provide legal, tax, or investment advice

4. Client Responsibilities and Disclosures

Insurance contracts are based on the principle of "utmost good faith" (uberrima fides). This means both parties must act honestly and disclose all material information. As a client, you have important responsibilities:

Duty to Provide Accurate Information

You agree to provide complete, accurate, and truthful information on all applications and during all communications with us. This includes but is not limited to:

• Personal information (name, date of birth, address, etc.)
• Health history and medical conditions
• Lifestyle factors (tobacco use, hazardous activities, etc.)
• Financial information when relevant to coverage
• Existing insurance coverage
• Previous insurance claims or denials

Duty to Review Documents

You are responsible for:

• Reviewing all applications before signing to ensure accuracy
• Reading your policy documents upon receipt
• Understanding your coverage, exclusions, and limitations
• Notifying us of any errors or discrepancies promptly
• Keeping copies of all insurance documents

Duty to Report Changes

You must promptly notify us of any changes that may affect your coverage, including changes to your health, address, beneficiaries, or other material circumstances.

5. Insurance Coverage and Binding

When Coverage Begins

Insurance coverage only becomes effective when:

• A completed application has been submitted
• The application has been approved by the insurance carrier's underwriting department
• Required premiums have been paid
• A policy has been issued by the insurance carrier
• You have received written confirmation of coverage

Conditional Receipt

Some life insurance applications include a conditional receipt that may provide temporary coverage under specific conditions. The terms of any conditional receipt will be explained at the time of application. Do not assume coverage exists based solely on payment of an initial premium.

Free Look Period

Most life insurance policies include a "free look" period (typically 10-30 days depending on state law and product type) during which you may cancel the policy for a full refund of premiums paid. Review your policy documents for specific details.

6. Quotes and Premium Estimates

Any quotes, premium estimates, or rate illustrations provided by Blessed Insurance Group are for informational purposes only and are not guaranteed.

Quote Limitations

• Quotes are estimates based on information provided at the time of the quote
• Final premiums are determined by the insurance carrier after underwriting review
• Premiums may change based on health examination results, medical records, or other information obtained during underwriting
• Quotes are subject to change without notice
• Quotes do not constitute an offer of coverage or a guarantee of insurability

Rate Factors

Insurance premiums are determined by multiple factors including but not limited to age, health history, tobacco use, coverage amount, policy type, and the insurance carrier's underwriting guidelines. The final premium may differ significantly from initial estimates.

7. Payment Terms

Premium Payments

Insurance premiums are paid directly to the insurance carrier according to the terms of your policy. Blessed Insurance Group may collect initial premiums at the time of application, which will be forwarded to the insurance carrier.

Payment Responsibility

You are solely responsible for ensuring that premium payments are made on time to maintain your coverage. Late or missed payments may result in:

• Policy lapse or cancellation
• Loss of coverage
• Reinstatement requirements including new evidence of insurability
• Loss of policy value or benefits

Refunds

Refund policies are determined by the insurance carrier and the terms of your specific policy. Blessed Insurance Group does not control refund decisions.

8. Policy Changes and Cancellations

Requesting Changes

To request changes to your insurance policy (such as beneficiary changes, coverage adjustments, or address updates), please contact our office directly. Some changes may require written authorization or completion of specific forms.

Policy Cancellation

If you wish to cancel your insurance policy, you must follow the cancellation procedures specified in your policy documents. Cancellation requests typically must be submitted in writing to the insurance carrier. Blessed Insurance Group can assist you with the cancellation process.

Non-Renewal

Insurance carriers reserve the right to non-renew policies according to their underwriting guidelines and applicable state laws. Blessed Insurance Group does not make non-renewal decisions.

9. Claims Process

In the event of a claim, you should:

1. Contact the insurance carrier's claims department directly using the information provided in your policy documents
2. Notify Blessed Insurance Group so we can assist you with the process
3. Provide all requested documentation promptly
4. Cooperate fully with the claims investigation

Claims Decisions

All claims decisions are made solely by the insurance carrier based on the terms and conditions of your policy. Blessed Insurance Group does not make claims decisions, determine eligibility, or issue claim payments. We can assist you in understanding the claims process and communicating with the carrier, but we cannot guarantee any specific outcome.

10. Website Use and Content

Informational Purpose

The content on this website is provided for general informational and educational purposes only. It is not intended to be exhaustive and should not be construed as:

• Professional insurance advice specific to your situation
• Legal, tax, or financial advice
• A substitute for consultation with a licensed professional
• An offer or solicitation to sell insurance in any jurisdiction where we are not licensed

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the completeness, accuracy, or timeliness of website content. Insurance products, rates, and regulations change frequently, and online content may not reflect the most current information.

Acceptable Use

You agree not to use this website to:

• Submit false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Violate any applicable laws or regulations
• Infringe on the rights of others

11. Disclaimers and Limitations

No Warranty

THIS WEBSITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Coverage Disclaimer

Informational statements regarding insurance coverage on this website are for general description purposes only. These statements do not amend, modify, or supplement any insurance policy. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance carrier.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BLESSED INSURANCE GROUP, ITS OWNER, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES, INCLUDING BUT NOT LIMITED TO:

• Loss of coverage or denial of claims
• Errors or omissions in information provided
• Delays in obtaining coverage
• Actions or decisions of insurance carriers
• Technical failures or interruptions

Market Access Disclaimer

As an independent agent, we have access to multiple insurance carriers but do not represent every company in the marketplace. Our recommendations are limited to products available through our contracted carriers. We have not researched the entire insurance marketplace on your behalf.

12. Indemnification

You agree to indemnify, defend, and hold harmless Blessed Insurance Group, Earnest E. Kittrell Jr., and any affiliates, employees, or agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your violation of these Terms
• Your provision of false, inaccurate, or misleading information
• Your violation of any applicable laws or regulations
• Your infringement of the rights of any third party
• Your use of our website or services

13. Confidentiality

We are committed to protecting the confidentiality of your personal and financial information. Our privacy practices are described in our Privacy Policy, which is incorporated into these Terms by reference.

Information Sharing

We may share your information with insurance carriers, their authorized representatives, and other parties as necessary to provide our services and as described in our Privacy Policy. By using our services, you consent to such disclosures.

Secure Communications

To protect your privacy, please do not send sensitive personal information (such as Social Security numbers, financial account numbers, or detailed health information) via unencrypted email. Contact us by phone to discuss confidential matters.

14. Electronic Communications

Consent to Electronic Communications

By providing your email address, phone number, or other contact information, you consent to receive communications from Blessed Insurance Group via email, phone, text message, or other electronic means regarding:

• Responses to your inquiries
• Information about your insurance applications and policies
• Service-related notifications
• Marketing communications (subject to your opt-out preferences)

Limitations of Electronic Communications

Email and electronic communications are not secure methods of communication. We cannot guarantee the confidentiality or timely delivery of electronic messages. Important or time-sensitive matters should be communicated by phone or in person.

Opt-Out

You may opt out of marketing communications at any time by contacting us or following the unsubscribe instructions in our emails. Note that opting out of marketing communications does not opt you out of service-related communications regarding your policies.

15. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier websites, payment processors, and other services. These links are provided for your convenience only.

We do not control, endorse, or assume responsibility for:

• The content, privacy policies, or practices of third-party websites
• The availability or accuracy of third-party services
• Any damages or losses arising from your use of third-party websites or services

We encourage you to review the terms and privacy policies of any third-party websites you visit.

16. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Blessed Insurance Group or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Limited License

You are granted a limited, non-exclusive, non-transferable license to access and use this website for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute website content without our written permission
• Use any content for commercial purposes
• Remove any copyright or proprietary notices
• Use our trademarks or service marks without authorization

17. Termination of Services

We reserve the right to refuse service, terminate accounts, or cancel transactions at our sole discretion, including but not limited to situations where:

• You have provided false or misleading information
• You have violated these Terms
• We are unable to verify your identity or information
• Continuing the relationship would violate applicable laws or regulations

Termination of our services does not affect any existing insurance policies you have with insurance carriers. You may continue to work directly with those carriers or find another agent to service your policies.

18. Governing Law and Disputes

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.

Dispute Resolution

Any dispute arising out of or related to these Terms or our services shall first be attempted to be resolved through good-faith negotiation between the parties. If negotiation is unsuccessful, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in the State of North Carolina.

Waiver of Class Action

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not as a class action or other representative proceeding.

Limitation Period

Any claim or cause of action arising out of or related to these Terms or our services must be brought within one (1) year after the claim arose, or be forever barred.

19. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Effective Date" at the top of this page
• Post the revised Terms on our website
• Notify you of material changes by email or other means if appropriate

Your continued use of our website or services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Blessed Insurance Group regarding the use of our website and services.