Sales Policy

This Sales Policy supplements the Terms and Conditions of MOK INSURANCE and should be read in conjunction with our Privacy Policy. We operate as an independent insurance agency, and all insurance policies are issued by third-party insurance carriers.

At MOK INSURANCE, we are committed to providing accurate insurance quotations, transparent information, and clear processes that empower our clients to make informed decisions regarding their insurance needs.

This Sales Policy outlines the terms and conditions applicable to insurance quotations, coverage applications, and related processes involving insurance products offered through our agency.

By using MOK INSURANCE services to request insurance quotations or initiate processes related to insurance products, the customer represents and warrants that all information provided is truthful, accurate, complete, and current.

The customer agrees to use our services exclusively for obtaining legitimate insurance quotations and submitting valid insurance coverage applications. False, misleading, fraudulent, or materially inaccurate submissions are strictly prohibited. If evidence of fraud, misrepresentation, or materially inaccurate information is identified, MOK INSURANCE reserves the right to terminate the application process and take any action deemed appropriate in accordance with applicable laws and regulations.

Quotes and Information Verification

Insurance quotations provided by MOK INSURANCE are preliminary and informational in nature and remain subject to availability, information verification, risk evaluation, underwriting review, and approval by the applicable insurance carrier. Requesting a quote does not guarantee the issuance of an insurance policy or the availability of coverage.

The accuracy of the information provided by the applicant is critical in determining eligibility, premiums, coverage options, policy limits, discounts, and other applicable policy terms and conditions. Information submitted may be used for risk evaluation, eligibility determination, and underwriting processes required by the insurance carrier.

MOK INSURANCE and the applicable insurance carriers reserve the right to verify information provided by applicants through legally authorized sources whenever necessary for risk assessment and coverage eligibility determinations.

Failure to disclose relevant information, as well as the submission of inaccurate, incomplete, misleading, or false information, may affect coverage availability, policy terms, applicable premiums, eligibility decisions, or any other underwriting determination made by the insurance carrier.

Eligibility Requirements

To request insurance products or services through MOK INSURANCE, applicants must be at least eighteen (18) years of age, possess the legal capacity to enter into binding agreements, and have a legitimate insurable interest in the transaction being requested.

Coverage Issuance

The receipt of a quotation, submission of an application, or acceptance of payment does not, by itself, create, bind, or guarantee insurance coverage.

Coverage becomes effective only when the policy has been formally issued by the applicable insurance carrier and an effective date of coverage has been established in accordance with the policy's terms and conditions.

All coverage remains subject to underwriting review, approval, and acceptance by the issuing insurance carrier.

Agency Status Disclosure

MOK INSURANCE operates as an independent insurance agency and not as an insurance carrier.

Insurance policies are issued by third-party insurance companies. Decisions regarding risk acceptance, underwriting approval, policy issuance, coverage determinations, renewals, cancellations, and claims administration are made solely by the issuing insurance carrier.

MOK INSURANCE does not guarantee risk acceptance, underwriting approval, or policy issuance by any insurance company.

Service Availability

Insurance products and services offered by MOK INSURANCE are available exclusively within the State of Texas, United States.

MOK INSURANCE reserves the right to decline, restrict, or discontinue the processing of requests submitted outside its authorized service area.

By using the services of MOK INSURANCE, you acknowledge that you have read, understood, and accepted this Sales Policy.