Acceptance of Terms
The following are terms of a legal agreement between you and National Online Insurance School. Conditions of use by using this website: you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. National Online Insurance School may modify these terms and conditions at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the most current terms and conditions to which you are bound.
Description of Service
This service is a state-approved course offered entirely online, which upon successful completion of such course, satisfies state required pre-licensing for your respective state, and in respect to the course for which you register. This course will cover those topics likely to be found on the exam in your respective state, and is created in complete compliance with rules set forth by the Department of Insurance in such state. At the completion of this course, you must successfully pass an online exam in order to receive credit for this course and be eligible to sit for the state exam. The following states do not require pre-licensing in order for an individual to qualify to sit for the state exam, and although courses offered in these states follow the same format as our courses in states that require pre-licensing, they are not required by the state's Department of Insurance: Alaska, Arizona, District of Columbia, Delaware, Hawaii, Iowa, Idaho, Kansas, Louisiana, Massachusetts, Maine, Missouri, Montana, Nebraska, North Dakota, New Hampshire, New Mexico, South Carolina, South Dakota, Texas, Utah, Virginia, Vermont, Wyoming.
Registration
You agree that you will not allow others to use your member name, password and/or account and you are solely responsible for maintaining the confidentiality and security of your account. You agree that only you are authorized to take the final exam and are required to do so without any assistance from other parties and/or materials during such exam, including but not limited to the National Online Insurance School or other websites, books, etc. You understand and acknowledge that a violation of such standards shall result in the loss of course credit and administrative sanction by the Department of Insurance. You agree to notify National Online Insurance School immediately of any unauthorized use of your password and/or account. National Online Insurance School shall not be responsible for any losses arising out of the unauthorized use of your member name, password and/or account and you agree to indemnify and hold harmless National Online Insurance School for any improper, unauthorized or illegal uses of the same. You must be at least 18 years of age to register for this course.
Disclaimer
National Online Insurance School does not warrant that the site or any content, service or feature of the site will be error-free or uninterrupted, or that any defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. The site and its content are delivered on an "as-is" and "as available" basis. All information provided on the site is subject to change without notice. You assume total responsibility for your use of the site and any linked sites. Your sole remedy against National Online Insurance School for dissatisfaction with the site or any content is to stop using the site or any such content. National Online Insurance School in no way guarantees your successful completion of your state examination. National Online Insurance School does not, by linking to sites, endorse such companies and/or products to which it links. National Online Insurance School takes no responsibility and assumes no liability for any content if you decide to access any third party site.
National Online Insurance School reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to the Site, or any portion of the Site, for any reason; (2) to modify or change the Site, or any portion of the Site, and any applicable policies or terms; and (3) to interrupt the operation of the Site, or any portion of the Site, as necessary to perform routine or non-routine maintenance, error correction, or other changes.
Refund Policy
A refund period is provided for online course enrollment only, excluding printed material, within the first 30 days of your course enrollment if less than 50% of the course is accessed upon the date of your request. Refunds will not be given if it is beyond 30 days from date of course enrollment or if more than 50% of the course lessons have been accessed. Printed material, such as the study manual and all costs associated with the manual including taxes and shipping & handling, is nonrefundable. You will have 60 days from the date you begin your course to complete the course, pass the online exam, and utilize the online materials. If you are unable to complete this course and exam within this period, pro-rated enrollment extension options are available to extend your enrollment. Refunds for pro-rated enrollment extensions following the same refund policy as that of the initial course enrollment.
Guarantee Pass
To qualify for the Guarantee Pass, students must complete all course lessons, pass the final exam, and pass two consecutive Guarantee Pass exams within three business days of their scheduled state licensing exam. The state exam must then be taken within three business days of passing the second Guarantee Pass exam. If the student does not pass the state exam after meeting these conditions, they may request either unlimited course access until they pass or a full refund of their initial enrollment fee—provided the request, including state exam results, is submitted within seven business days of the failed attempt. Course extensions are not included in this guarantee and are non-refundable. If a student requests and is approved for a refund under the Guarantee Pass program, all access to course materials will be revoked immediately. The Guarantee Pass becomes void in cases of exam misconduct, failure to appear for the scheduled state exam, or if the student takes a state exam that does not correspond with the pre-licensing course in which they were originally enrolled.
Copyright Infringement
National Online Insurance School website and its content are protected by copyright, trade mark and other proprietary laws. You are granted a limited license, without the right to sublicense, to access and use the content for your educational, non-commercial and personal use only. Such license is subject to these Terms of Service, and in addition, you expressly agree to the following:
- Not to decompile, reverse engineer, disassemble or otherwise attempt to derive any source code from National Online Insurance School website and its content;
- Not to distribute, publicly perform or publicly display any content, including but not limited to graphics, videos, technology, data, sound files, text from National Online Insurance School website;
- Not to modify, build upon, translate, or create any derivative works from National Online Insurance School website and its content;
- Not to create or attempt to create a substitute or similar service or product through the use of or access to National Online Insurance School website and its content;
- Not to resell, lease, transfer, lend, timeshare, syndicate or commercially use National Online Insurance School website and its content;
- Not to use National Online Insurance School website and its content other than for its intended purpose;
- We reserve the right to edit any guest post submitted to our blog and all content published on our blog is owned by National Online Insurance School and may not be published elsewhere.
Any use or attempted use of National Online Insurance School website and its content other than as specifically authorized herein, without the express prior written permission of National Online Insurance School is strictly prohibited and will terminate the license granted herein. Such unauthorized use or attempted use may also violate applicable laws, including without limitation, copyright and trademark laws and applicable communications regulations and statutes. This license is revocable at any time, in the sole discretion of National Online Insurance School.
Florida Residents
Florida residents completing their 2-15 Life, Health and Variable Annuity course, 2-14 Life and Variable Annuity course, or 2-40 Health Insurance course should be aware that the Florida Department of Financial Services bases the state licensing exam on the Florida Life, Health and Variable Annuity Study Manual. Students are also informed of this information prior to the commencement of their pre-licensing course. The manual may be purchased through its official distributor, the National Association of Insurance and Financial Advisors of Florida (NAIFA of Florida), located at PO Box 14365 Tallahassee, Florida 32317, (850) 422-1701, or ordered online at https://naifa-florida.org/.
