Terms of Service

1. Introduction

Welcome to VetMutual. These Terms of Service (“Terms”) govern your access to and use of our website and services, including life insurance products for veterans. By using our services, you agree to comply with and be bound by these Terms.

2. Eligibility

Our life insurance products are exclusively designed for U.S. military veterans and their families. By using our services, you represent that you are a veteran or a family member of a veteran eligible for life insurance products.

3. Definitions

• "VetMutual": Refers to our company providing life insurance services for veterans.
• "Policyholder": A veteran or family member who has purchased a life insurance policy.
• "Services": Refers to the life insurance products offered through our website.

4. Insurance Policies

VetMutual offers a variety of life insurance products specifically tailored for veterans. Policyholders must review their individual policy agreements for specific terms, including coverage limits, premiums, exclusions, and renewal information.

4.1. Application Process

To apply for a life insurance policy, you will be required to provide accurate personal and military service information. Falsifying or misrepresenting any information may result in the denial or cancellation of your policy.

4.2. Coverage Terms

Coverage details, including but not limited to benefits, eligibility, and premium payments, are outlined in each policy document. You agree to familiarize yourself with and adhere to these specific terms.

5. Payment Terms

All premiums are due as outlined in your insurance policy. Late or missed payments may result in the suspension or cancellation of coverage. Payment methods accepted include credit card and direct bank transfers.

5.1. Refund Policy

VetMutual does not offer refunds once a life insurance policy has been issued unless otherwise specified in your individual policy.

6. Termination

You may cancel your policy at any time by contacting VetMutual’s customer service team. Cancellation does not relieve you of any outstanding obligations, including unpaid premiums.

6.1. VetMutual’s Right to Terminate

VetMutual reserves the right to terminate your policy in cases of fraud, misrepresentation, non-payment, or violation of these Terms. In such cases, you will be notified of the termination and its effective date.

7. Privacy and Data Security

Your privacy is important to us. By using our services, you consent to the collection, use, and sharing of your personal information in accordance with our Privacy Policy.

8. Dispute Resolution

In the event of any dispute arising from these Terms or your use of our services, the parties agree to first attempt to resolve the dispute informally. If a resolution cannot be reached, the matter will be settled through binding arbitration in accordance with the rules of the American Arbitration Association.

9. Limitation of Liability

VetMutual will not be liable for any indirect, incidental, or consequential damages arising out of your use of our services. Our liability is limited to the amount paid by you for the specific life insurance policy in dispute.

10. Changes to These Terms

VetMutual reserves the right to update or modify these Terms at any time without prior notice. Any changes will be posted on this page, and your continued use of the services signifies your acceptance of the updated Terms.

11. Contact Us

If you have any questions regarding these Terms or our services, you may contact us at:
Email: Vetmutualleads@gmail.com
Phone: 1-(877) 830-3103