Terms of Service

1. Acceptance of Terms

By accessing or using the Natural Insurance website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

Natural Insurance is an independent insurance brokerage that helps consumers find and purchase insurance products from various insurance carriers. Our services include:

• Providing insurance quotes from multiple carriers
• Offering insurance recommendations and guidance
• Assisting with insurance applications and policy placement
• Ongoing customer support and policy service

3. Independent Broker Status

Natural Insurance is an independent insurance broker and is not directly affiliated with any single insurance carrier. We represent multiple insurance companies and work to find coverage options that meet your needs. We receive commissions from insurance carriers when policies are issued, which does not affect the premium you pay.

4. Licensing and Compliance

Natural Insurance and its agents maintain appropriate licenses in the states where we conduct business. We comply with all applicable state and federal insurance regulations. Our services are subject to regulatory oversight by state insurance departments.

5. No Guarantee of Coverage

We provide quotes and submit applications on your behalf, but we cannot guarantee that any insurance carrier will approve your application or issue a policy. Coverage decisions are made by insurance carriers based on their underwriting criteria. Factors affecting approval include:

• Health status and medical history
• Age and lifestyle factors
• Occupation and hobbies
• Financial information
• Carrier-specific underwriting guidelines

6. Accuracy of Information

You agree to provide accurate, complete, and truthful information when requesting quotes or applying for insurance. Misrepresentation or omission of material facts may result in denial of claims, policy cancellation, or rescission. You are responsible for reviewing all application materials for accuracy before submission.

7. Quotes and Estimates

Quotes provided through our services are estimates based on the information you provide. Final premiums may differ based on underwriting results, medical examinations, or additional information required by the insurance carrier. Quotes are not binding until a policy is issued and payment is received.

8. Policy Terms and Conditions

Your rights, obligations, and coverage are governed by the insurance policy contract issued by the insurance carrier, not by Natural Insurance. You should carefully review all policy documents, including the declarations page, policy contract, and any riders or endorsements. We encourage you to ask questions about any terms you don't understand.

9. Premium Payments

Premium payments are made directly to the insurance carrier or through Natural Insurance as the carrier's authorized agent. Payment deadlines are set by the insurance carrier. Failure to pay premiums by the due date may result in policy lapse or cancellation.

10. Cancellation and Refunds

Policy cancellation rights and refund eligibility are determined by the insurance carrier's terms and applicable state laws. Most policies include a "free look" period (typically 10-30 days) during which you may cancel for a full refund. After the free look period, cancellation terms and any return premiums are governed by the policy contract.

11. Communications

By providing your contact information, you consent to receive communications from Natural Insurance via:

• Email
• Phone calls (including automated calls)
• Text messages/SMS
• Mail

These communications may include quotes, policy information, service updates, and marketing messages. You may opt out of marketing communications at any time.

SMS/Text Messaging Terms

If you opt in to receive SMS/text messages from Natural Insurance:

• Use Cases: Text messages may include appointment reminders, insurance tips, policy updates, quote information, application status updates, and marketing promotions.
• Message Frequency: Message frequency varies based on your account activity and preferences.
• Opt-Out: You can opt out at any time by replying STOP to any text message from us. You may also contact us at hello@usnaturalinsurance.com or 479-273-0123 to unsubscribe.
• Help: For assistance, reply HELP to any message or contact our customer support at 479-273-0123 or hello@usnaturalinsurance.com.
• Message & Data Rates: Message and data rates may apply based on your mobile carrier plan. Check with your carrier for details.
• Carrier Liability: Mobile carriers are not liable for delayed or undelivered messages.
• Age Restriction: You must be 18 years of age or older to opt in to receive text messages from Natural Insurance.

Consent to receive text messages is not a condition of purchasing insurance or using our services.

12. Limitation of Liability

To the maximum extent permitted by law, Natural Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our liability is limited to the amount of commissions we received in connection with your policy.

13. Indemnification

You agree to indemnify and hold harmless Natural Insurance from any claims, damages, or expenses arising from your use of our services, violation of these terms, or misrepresentation of information provided in insurance applications.

14. Intellectual Property

All content on the Natural Insurance website, including text, graphics, logos, and software, is the property of Natural Insurance or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

15. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits. This arbitration agreement does not apply to disputes with insurance carriers regarding coverage or claims.

16. Governing Law

These Terms are governed by the laws of the State of Arkansas and applicable federal laws, without regard to conflict of law principles. Insurance contracts are governed by the laws of the state where the policy is issued.

17. Severability

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

18. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

19. Contact Information

If you have questions about these Terms of Service, please contact us: