Terms & Conditions

1 Acceptance of Terms

By accessing or using the National General Insurance website (nationalgeneralinsurance.online) and related services (collectively, the "Services"), you confirm that you have read, understood, and agree to these Terms and Conditions ("Terms") and our Privacy Policy, which are incorporated by reference.

These Terms constitute a legally binding agreement between you ("User", "Client", or "Policyholder") and National General Insurance LLC ("Company", "we", "us", or "our"), a licensed insurance intermediary operating under applicable state and federal laws.

2 Definitions

• Policy: A contract of insurance issued by an Insurer following acceptance of your application.
• Insurer: The licensed insurance company underwriting the Policy.
• Premium: The amount payable by the Policyholder for insurance coverage.
• Claim: A formal request by the Policyholder to the Insurer for coverage under a Policy.
• Coverage: The scope and extent of protection provided under a Policy.
• Beneficiary: A person or entity designated to receive benefits under a Policy.
• Effective Date: The date on which coverage under a Policy commences.

3 Insurance Services

National General Insurance acts as a licensed insurance intermediary. We offer the following insurance products:

• Life Insurance — term and whole-life plans
• Health Insurance — individual, family, and group plans
• Auto / Motor Insurance — third-party and comprehensive coverage
• Home & Property Insurance — building and contents coverage
• Business / Commercial Insurance — liability, property, and workers' compensation
• Travel Insurance — single-trip and annual multi-trip plans

All insurance products are underwritten by Insurer partners licensed under applicable regulatory authorities. National General Insurance does not itself underwrite or assume insurance risk. Your policy relationship is directly with the Insurer.

4 Eligibility

To apply for an insurance policy through us, you must:

• Be at least 18 years of age;
• Be a legal resident or citizen of the United States;
• Provide accurate and complete information on your application;
• Meet the specific eligibility criteria of the insurance product you are applying for.

We reserve the right to decline any application at our sole discretion or based on the underwriting guidelines of the relevant Insurer.

5 Policy Applications & Accuracy of Information

When completing an application for insurance, you agree to:

• Provide truthful, accurate, and complete information;
• Disclose all material facts that may affect the Insurer's decision to offer coverage;
• Promptly notify us of any changes to information provided in your application.

6 Premium Payments

Premiums are due on the dates specified in your policy schedule. You agree to:

• Pay all premiums by the due date using an accepted payment method;
• Maintain a valid payment method on file for recurring premium payments;
• Notify us immediately if your payment information changes.

Failure to pay premiums by the due date may result in a grace period as specified in your policy, after which coverage may lapse. Reinstatement of a lapsed policy may require evidence of insurability and payment of all outstanding premiums.

7 Claims Procedure

To file a claim, you must:

• Notify us or the Insurer as soon as reasonably practicable after the occurrence of an insured event;
• Submit a completed claim form with all required supporting documentation;
• Cooperate fully with the Insurer's investigation;
• Not admit liability or make any settlement offer without the Insurer's prior written consent.

Claims are assessed by the Insurer in accordance with the terms and conditions of your policy. National General Insurance facilitates the claims process but does not make claim decisions.

8 Exclusions & Limitations

Insurance policies contain exclusions and limitations that define what is not covered. Common exclusions include, but are not limited to:

• Pre-existing medical conditions (where applicable);
• Intentional acts, fraud, or criminal activity;
• War, terrorism, or nuclear events (unless specifically covered);
• Normal wear and tear or gradual deterioration;
• Activities specifically excluded in your policy schedule.

Refer to your individual policy document for a complete list of exclusions and limitations applicable to your coverage.

9 Cancellation & Refund Policy

Free-look period: You have 15 days from the policy commencement date to review and, if unsatisfied, cancel your policy for a full refund of premiums paid, provided no claims have been made.

Policyholder cancellation after free-look: You may cancel your policy at any time. The refund, if any, will be calculated on a pro-rata basis as specified in your policy, less any applicable charges.

Company/Insurer cancellation: The Insurer reserves the right to cancel a policy in accordance with applicable law, including for non-payment of premiums or material misrepresentation.

10 Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of National General Insurance or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

11 Limitation of Liability

To the maximum extent permitted by law, National General Insurance shall not be liable for:

• Any indirect, incidental, special, or consequential damages;
• Loss of profits, data, or business opportunities;
• Decisions made by Insurers regarding policy issuance or claim settlement;
• Third-party acts or omissions.

Our total liability for any claim arising from or related to our intermediary services shall not exceed the commission earned by us in connection with the relevant policy in the 12 months preceding the claim.

12 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to conflict of law principles.

Any dispute arising from these Terms shall first be subject to good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration under the American Arbitration Association rules, conducted in New York, NY.

13 Changes to These Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14 Contact Us

If you have any questions about these Terms & Conditions, please contact us: