1. Eligibility: Applicants must be at least 18 years old to qualify for a funeral policy with Wings Of Deliverance.

2. Policy Coverage: The funeral policy covers costs associated with funeral services including but not limited to casket, embalming, burial/cremation, and transportation within the specified geographic area.

3. Premium Payments: Premium payments must be made monthly, quarterly, or annually as per the chosen plan. Non-payment of premiums for three consecutive months will result in policy lapse.

4.Waiting Period: There is no waiting period, however there is a mandatory period of 6 months from the policy start date before full benefits can be claimed. Accidental death is covered from day one.

5. Beneficiary Designation: Policyholders must designate a beneficiary who will be responsible for coordinating with Wings Of Deliverance for funeral arrangements.

6. Policy Cancellation: Policyholders can cancel their policy within 30 days of purchase for a full refund. After 30 days, cancellations will be subject to a pro-rata refund based on the unused portion of the coverage period.

7. Policy Loan: No loans or advances will be provided against the funeral policy.

8. Policy Transfer: The funeral policy is non-transferable and non-assignable to another person.

9. Claim Procedure: In the event of a death, the beneficiary must notify Wings Of Deliverance within 24 hours and provide all necessary documentation including a death certificate to initiate the funeral services.

10. Exclusions: The policy does not cover deaths resulting from self-inflicted injuries, acts of war, criminal activities, or any circumstances explicitly stated in the policy documentation.

11. Policy Renewal: Policies are subject to annual renewal. Wings Of Deliverance reserves the right to modify premium rates and terms upon renewal, with a notice provided to the policyholder 60 days prior to the renewal date.