Do not terminate any in force insurance coverage or investment account until you have consulted with us personally and you have received written confirmation that the new insurance coverage (or investment) applied for has been formally approved (according to the terms originally agreed on). KI&F makes no representation or warranties that insurance coverage applied for will be issued. Final approval and rates for insurance products are determined using normal underwriting guidelines and practices of the company applied to. Final rates for ‘Employee Benefit Plans’ are determined by the ‘actual enrollment’ and the rates in effect at the time the enrollment is completed and submitted to the applicable company.
All plans and companies are not available in all States. Please check with us to verify availability of particular company(s) and/or product(s) in your State.