Welcome to Berwyn and Lynch Insurance Group. By accessing or using our website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before proceeding.

1. Acceptance of Terms

By using our website, purchasing an insurance policy, or engaging with any of our representatives, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree to these terms, please do not use our services.

2. Company Overview

Berwyn and Lynch Insurance Group provides insurance products including, but not limited to, life insurance, health insurance, and final expense coverage.
We operate as a licensed insurance provider/agency and work with reputable carriers to offer customized policy solutions.

3. Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Be legally capable of entering into a binding agreement
  • Provide accurate and truthful information during application or inquiry

Providing false or misleading information may result in denial of coverage or termination of your policy.

4. Policy Information

All insurance coverage provided through our company is subject to:

  • The terms and conditions outlined in each individual policy document
  • State and federal insurance regulations
  • Approval based on underwriting requirements

Coverage begins only after the application is reviewed, approved, and payment is confirmed.

5. Payments and Premiums

  • All premiums must be paid on time as outlined in your policy agreement.
  • Failure to pay premiums may result in policy lapse or termination.
  • We accept payments through authorized and secure methods (e.g., credit card, debit card, ACH transfer).
  • Premium amounts, fees, and billing schedules are disclosed prior to policy activation.

6. Refund and Cancellation Policy

Refunds are governed by the terms stated in your specific policy contract.

  • Once a policy is issued and coverage has begun, refunds are not guaranteed.
  • Cancellations may be processed upon written request and are subject to company review.

Please refer to your policy documentation for detailed refund or cancellation procedures.

7. Use of Website and Content

All content on our website — including text, images, logos, and design — is owned by Berwyn and Lynch Insurance Group or its licensors.
You agree not to:

  • Copy, distribute, or reproduce any content without written permission
  • Use the website for unlawful or fraudulent purposes
  • Attempt to breach the website’s security or interfere with its operation

8. Limitation of Liability

Berwyn and Lynch Insurance Group and its affiliates shall not be liable for any:

  • Indirect, incidental, or consequential damages
  • Loss of profits, income, or data
    arising from the use or inability to use our website, services, or policies.

Our total liability, in any case, shall not exceed the amount paid by you for your insurance policy.

9. Disclaimer of Warranties

All services are provided “as is” and “as available” without warranties of any kind, either express or implied.
We do not guarantee that:

  • The website will operate uninterrupted or error-free
  • All information provided is free from inaccuracies or typographical errors

Insurance coverage and benefits are subject to policy terms and approval.

10. Third-Party Links

Our website may include links to third-party websites for your convenience.
We do not control, endorse, or assume responsibility for the content or practices of any third-party sites.

11. Compliance and Legal Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States of America
Any disputes arising from or related to these Terms shall be resolved in the courts of United States of America.

12. Modifications to Terms

We reserve the right to update or modify these Terms and Conditions at any time.
Changes will be effective immediately upon posting on our website, with the updated “Effective Date.”