Tuition Refund Insurance: Protect Your Investment

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Privacy Policy

Last modified: March 13, 2012

This Privacy Policy is effective March 13, 2012, and replaces all previous versions of the Privacy Policy. This Privacy Policy explains how Next Generation Insurance Group, LLC ("Next Generation Insurance Group") collects, uses and shares your information. This Privacy Policy applies to all the products, services and websites listed here and offered by Next Generation Insurance Group or its subsidiaries or affiliated companies. Please carefully read our Privacy Policy and if you do not agree to our practices, please do not submit your information or otherwise apply to purchase our products or otherwise interact with Next Generation Insurance Group.

This Privacy Policy is organized in the following sections:

What this Privacy Policy Covers
The Information We Collect and Why We Collect It
The Way We Use Your Personal Information
Marketing Communication Preferences and Opt-Outs
Non-Personal/Anonymous Information Collection
Sharing Your Personal Information
Security of Your Personal Information
Use of Cookies and Other Web Technologies
Linked Websites
Children's Privacy
Access To or Correct Your Personal Information
Updates to this Privacy Policy
How To Contact Us

What this Privacy Policy Covers

This Privacy Policy covers how Next Generation Insurance Group treats information about prospective, current and former customers, including Personal Information (which is any information that can be used to reasonably identify an individual such as your name, email address, or physical address), which is collected by us when you interact or otherwise do business with us. This Privacy Policy applies to all of the services and products offered by Next Generation Insurance Group and its affiliates, but it excludes services and products offered on other websites that have separate privacy policies and do not specifically incorporate this Privacy Policy.

The Information We Collect and Why We Collect It

We collect information to provide better services and products to all of our users - including processing your insurance quote, providing customer service regarding your insurance policy, advising you of products that you may find useful, and as otherwise required or permitted by applicable law. As a part of our business, we ask for your Personal Information. You may also be asked to submit information about other individuals for the purpose of insuring those individuals. In such instances we may collect third party Personal Information and we will assume that you have the authority to provide us the information.

We may collect information about you in several ways:

Information we receive from you. For example, many of our products require you to provide your information on applications or other forms provided by you or on your behalf, such as your name, address and date of birth.
Information about your transactions with us, our affiliates, or others. This may include your policy coverage, premiums and payment history.
Information we receive from a consumer-reporting agency. This may include your credit history and creditworthiness.

The Way We Use Your Personal Information

Some of the ways we may use your Personal Information include to:

Process your insurance application, quote or other transaction that you have requested.
Provide support, service and assistance for our insurance products that you are covered by (including as provided by affiliates and unaffiliated third parties such as underwriters, insurance carriers, benefit providers, and third-party administrators).
Provide the ability to contact you for product fulfillment packages, customer feedback and support (including as provided by affiliates and unaffiliated third parties).
Conduct voluntary questionnaires and surveys in order to provide better products to our customers.
Allow you to forward information to another individual, such as a spouse, parent, guardian, child, friend or co-worker who you believe is interested in receiving the information on your behalf.
Keep you up to date on the latest Next Generation Insurance Group announcements and marketing offers about products and services offered by us, our affiliates, or our business partners.

Marketing Communication Preferences and Opt-Outs

You may unsubscribe or opt-out from receiving marketing communications by following the unsubscribe instructions included on a particular communication or by sending us a message at the address below. Please be sure to include your name, email address and specific information that you no longer wish to receive to: Next Generation Insurance Group, LLC, Privacy Department, 241 A Street, Suite 400, Boston, Massachusetts or you may email us at: privacy@nextgenins.com.

Please note that you may not elect to stop receipt of communications pertaining to the processing or servicing of your application, product, or account which you may receive periodically unless you cancel that product in accordance with that particular product's terms and conditions.

Federal law also gives you the right to limit some but not all marketing from Next Generation Insurance Group's affiliated companies. You may limit our affiliated companies, such as our financial services affiliates operating under the brand names listed at this webpage from marketing their products or services to you based on certain of your Personal Information that we share with them. This information may include your account history and credit history. Your choice to limit marketing offers from an affiliated company will apply for at least five (5) years from when you tell us your choice. Before your choice to limit marketing expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from any Next Generation Insurance Group affiliated company for at least another five (5) years. If you have already made a choice to limit marketing offers from our affiliated companies, you do not need to act again until you receive the renewal notice. If you prefer to limit the marketing from an affiliated company, please contact us at privacy@nextgenins.com or 866-305-0063. Please note that your choice to limit marketing offers will not apply in certain circumstances as provided under applicable law, such as when you have an account or policy with the affiliated company that is marketing to you. An opt-out request from one joint customer will apply to all joint customers on the policy or account.

Non-Personal/Anonymous Information Collection

In some instances, we may collect non-personal (aggregate or de-identified) data through cookies, web logs, web beacons and other technologies. This information is used to better understand and improve the usability, performance, and effectiveness of our products, services and websites. For example, we may track X number of visitors to one of our website's pages or that Y number of men and Z number of women applied for a quote. However, this use does not identify those individuals nor would we disclose anything that could be used to identify those individuals.

Sharing Your Personal Information

We may share your Personal Information with authorized affiliates and unaffiliated third parties for our everyday business purposes, for example to provide a requested transaction, including processing insurance quotes and related insurance transactions and to provide customer service and support, and as otherwise required or permitted by applicable law.

We may also disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or with whom we have joint marketing agreements. We only provide these companies with the minimum amount of Personal Information necessary to perform the service and we require them by legal agreement to keep your Personal Information confidential and to use it only for the limited purpose of providing such service.

Some of the ways we may also share your Personal Information may be to:

Respond to subpoenas, court orders, or legal process by disclosing your Personal Information and other related information, if necessary. We also may choose to establish or exercise our legal rights or defend against legal claims and use your Personal Information in this regard as appropriate.
Investigate, prevent, or take action regarding illegal activities, suspected or potential fraud, situations involving potential threats to the physical safety of any person, violations of Next Generation Insurance Group's terms of use, or as otherwise required by law.

We will ask for your consent before we share your Personal Information with an unaffiliated third party other than as described in this Privacy Policy.

As discussed above, we may share your Personal Information with our affiliates for a variety of purposes. If you prefer to limit the sharing of your Personal Information among our affiliates, please contact us at privacy@nextgenins.com or 866-305-0063. Please note that your choice does not limit us from sharing certain information about your transactions or experiences with us. An opt-out request from one joint customer will apply to all joint customers on the policy or account. If you have already opted out, you don't need to opt out again because your request will never expire.

We comply with any state laws and regulations that may impose additional restrictions on disclosure of Personal Information about consumers in those states for certain purposes.

We maintain the privacy of your personal health information, if any, that we collect as required by applicable state and/or federal law. We will keep confidential any personal health information you provide us, unless such disclosure is authorized by you or is otherwise required or permitted by applicable law.

Security of Your Personal Information

Next Generation Insurance Group is committed to protecting your Personal Information. We restrict access to Personal Information about you to personnel who need to know that information in order to perform their job duties. We maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your Personal Information.

Use of Cookies and Other Web Technologies

Next Generation Insurance Group uses various technologies such as cookies, pixel tags, web beacons, browser analysis tools, and web server logs so that we can collect information to improve user experience and to help us better understand user traffic, navigation and our email effectiveness. These tools collect certain standard information that your browser sends to our websites such as your browser type and your referral website address. We may also collect information about your Internet Protocol (IP) address and clickstream behavior on our websites (for example, the pages you view and the links you click). You can generally remove, block, or disable cookies by using the settings located in your Web browser.

Linked Websites

We may provide links to other third-party websites that are outside our control and not covered by this Privacy Policy. Next Generation Insurance Group is not responsible for the privacy practices of such other websites, and you are encouraged to review the privacy statements posted on these and any website you visit.

Children's Privacy

Protecting the privacy of young children is especially important. For that reason, Next Generation Insurance Group does not knowingly collect Personal Information from children under the age of 13, and no part of our websites are structured to attract anyone under 13. Access to or Correct Your Personal Information

You can access all your personally identifiable information that we collect and maintain. You may correct factual errors by sending us a request that credibly shows error. Note that to protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.

Updates to this Privacy Policy

We may update this Privacy Policy from time to time and we will post a notice on this website page whenever it is materially changed.

How to Contact Us

Should you have any privacy-related questions or comments please send an email to: privacy@nextgenins.com.

Licensing Information

Sallie Mae Insurance Services is an assumed business name (DBA – "doing business as") of Next Generation Insurance Group LLC where approved. In states that do not recognize assumed business names for licensed insurance producers, or which have not yet approved Sallie Mae Insurance Services as an assumed business name for Next Generation Insurance Group LLC, insurance shall be offered in the name: Next Generation Insurance Group LLC.

State	Business Entity/Individual	License Number
Alabama	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	415178
Alaska	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	77541
Arizona	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	935141
Arkansas	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	347880
California	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	0G44978
Colorado	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	328585
Connecticut	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	2323274
Delaware	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	1088741
Washington DC	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	2866010
Florida	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	L059685
Georgia	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	127098
Hawaii	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	364929
Idaho	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	305848
Illinois	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	100288441
Indiana	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	632049
Iowa	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	1002030654
Kansas	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	FEIN
Kentucky	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	69852
Louisiana	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	479289
Maine	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	AGN162097
Maryland	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	100015074
Massachusetts	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	1861166
Michigan	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	FEIN
Minnesota	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	40148258
Mississippi	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	15012406
Missouri	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	AG8025427
Montana	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	710398
Nebraska	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	377138
Nevada	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	635529
New Hampshire	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	2047216
New Jersey	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	1206009
New Mexico	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	100004670
North Carolina	Next Generation Insurance Group, LLC	1000040163
North Dakota	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	20295235
New York	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	1116028
Ohio	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	39007
Oklahoma	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	10008481
Oregon	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	819907
Pennsylvania	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	541260
Rhode Island	Next Generation Insurance Group, LLC	RI does not issue a business entity/agency license. The licensed producer for Next Generation Insurance Group, LLC in RI is NGI's Managing Partner William A. Suneson - license number 2068000
South Carolina	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	173179
South Dakota	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	10007750
Tennessee	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	6015
Texas	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	1552614
Utah	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	307826
Vermont	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	644106
Virginia	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	125703
Washington	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	739059
Wyoming	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	184184
West Virginia	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	6090
Wisconsin	Next Generation Insurance Group, LLC DBA: Sallie Mae Insurance Services	2536852

Policies and Service Agreements

TERMS OF USE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING GRADGUARD.COM. This site and all content, information and services accessible through it (the “Site") is made available by Next Generation Insurance Group, LLC , (“NGI”) a Massachusetts Limited Liability Corporation, and may be used only under the following terms and conditions.

BY ACCESSING AND USING THE SITE YOU ("User") AGREE TO BE LEGALLY BOUND BY THE TERMS AND CONDITIONS SET FORTH HEREIN (the "Agreement"). If User is accessing and using this website on behalf of any group or entity, User warrants that it has all necessary authority to enter into this Agreement. If at any time User does not agree to be bound by the terms and conditions of this Agreement then User must cease using the Site immediately.

1 License

1.1 Grant. User is granted a non-exclusive, non-transferable, revocable, limited license to access and use the Site on any single computer for lawful, personal, non-commercial use. NGI may terminate this license without notice at any time and for any, or no, reason.

1.2 Limitations. User may not, without NGI’s prior written permission: (i) link from another Web site to the Site; (ii) post, transmit, copy, download, store, publish, transmit, transfer, sell, sublicense, create derivative works from or otherwise use the Site, or any portion thereof, in any form or by any means except as expressly permitted by this Agreement. User may not alter or modify information and services provided through the Site in any way. User may not reverse engineer, decompile, disassemble or otherwise attempt to discern the source code or architecture of the components of the Site, or any information about usage or users. User may not use any robot, spider, other automatic device, or manual process to access, monitor or copy the Site without NGI's prior written permission.

1.3 Intellectual Property Rights. Unless otherwise explicitly noted, all elements of the Site including, but not limited to, text, articles, logos, trademarks, graphics and overall "look and feel" are the property of NGI. Nothing herein shall be construed to confer any license or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights either now or in the future. User acknowledges that the Site is protected by copyrights, trademarks, service marks, patents and other proprietary rights and laws.

2 Privacy. NGI values the privacy of your information. Please review the Sallie Mae Insurance Services Privacy Policy, as it contains important information relating to your use of the Site.

3 Products and Services. The information and materials provided in the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to NGI’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverages and their availability may vary by state and your individual circumstances, and additional minimal coverage limits may be required in your state. The products and services offered in the Site are only available in the jurisdictions in which NGI is properly licensed.

3.1 Grant of License. By submitting data, information and other materials ("Posted Materials") to the Site, User automatically grants, or warrants that the owner of the following rights has expressly granted, to NGI, a perpetual, fully-paid, royalty-free, irrevocable, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, sublicense and sell Posted Materials, and incorporate Posted Materials into any medium or technology, now known or later developed.

3.2 Lawful Use Only. User will not publish, upload, submit or distribute any Posted Materials on the Site which are unlawful, deceptive, misleading, or abusive in any way, including but not limited to Posted Materials that are defamatory, libelous, pornographic, obscene, threatening, indecent, invasive of privacy or publicity rights, hateful, or would constitute or encourage a criminal offense, violate the rights of any party, contain any corrupted data or malicious code that may impair or alter the appearance or functionality of the Site, or give rise to liability or violate any local, state, federal or international law or regulation. NGI may delete any of User's Posted Materials at any time, without prior notice or User's permission and at NGI's sole discretion.

4 User Acknowledgement. User acknowledges and understands that use of this Site shall not result in a formal proposal of insurance, an offer of insurance coverage, or a binder of insurance coverage. Information input by the User into the Site is designed to generate a premium estimate only and does not guarantee that User will be offered a formal proposal of insurance or offer of insurance coverage. All proposals of insurance are subject to the payment terms of the carrier, and that User has no expectation of privacy or confidentiality of communications occurring through use of the Site.

5 No Legal Advice or Practice of Law. The information on this Site is designed for informational purposes only. User acknowledges that under no circumstances is NGI, its agents, affiliates or partners, providing legal advice or representation, and that nothing on this Site is intended as a substitute for legal advice from an attorney.

6 Third Party Sites and Content. At times, the Site may have links to Web sites hosted by other parties (“Third-Party Sites”), or such Third Party Sites have links to the Site. Third party content, messages and services may appear on this Site or may be accessible through links from this Site. NGI is not responsible, and assumes no liability, for any mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood or obscenity in the statements, opinions, representations or any other form of content contained in any third party content appearing on or accessible from this Site. User acknowledges that the information and opinions in the third party content are neither endorsed or controlled by, nor reflect the beliefs of, NGI.

7 DISCLAIMER OF WARRANTIES. THIS SITE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THIS SITE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF PERFORMANCE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OMISSIONS, COMPLETENESS, CURRENTNESS AND DELAYS. NGI MAKES NO WARRANTY THAT ACCESS TO THIS SITE OR ANY PORTION THEREOF WILL BE UNINTERRUPTED, SECURE, COMPLETE, ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. NGI DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF, OR IN ANY WAY RELATED TO (A) THE ACCESS OR USE OF THIS SITE, INCLUDING BOTH THIS SITE AND THIRD PARTY CONTENT AND SERVICES DELIVERED THROUGH THIS SITE, (B) THE ACCESS OR USE OF THIRD PARTY WEB SITES AND CONTENT OR SERVICES THEREIN THROUGH LINKS IN THIS SITE, (C) THE UNAVAILABILITY OF THIS SITE OR ANY PORTION THEREOF, OR (D) USER'S USE OF EQUIPMENT AND SOFTWARE IN CONNECTION WITH ACCESS AND USE OF THIS SITE.

8 LIMITATION OF LIABILITY. USER'S EXCLUSIVE REMEDY AND NGI’S, ITS AFFILIATES AND/OR CONTRIBUTORS' ENTIRE LIABILITY UNDER THIS AGREEMENT, IF ANY, FOR ANY CLAIM FOR DAMAGES RELATING TO USE OF THIS SITE WHICH ARE MADE AGAINST THEM, INDIVIDUALLY OR JOINTLY, WHETHER BASED IN CONTRACT OR NEGLIGENCE, SHALL BE LIMITED TO THE AGGREGRATE AMOUNT OF CHARGES PAID BY USER RELATIVE TO THE SPECIFIC NGI PRODUCT WHICH IS THE BASIS OF THE CLAIM DURING THE 12 MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO SUCH CLAIM. IN NO EVENT SHALL NGI, ITS AFFILIATES AND/OR CONTRIBUTORS BE LIABLE TO USERFOR ANY CLAIM RELATING IN ANY WAY TO (A) USER'S INABILITY OR FAILURE TO USE THIS SITE PROPERLY OR COMPLETELY, EVEN IF ASSISTED BY NGI, ITS AFFILIATES OR CONTRIBUTORS, OR ANY DECISION MADE OR ACTION TAKEN BY USER IN RELIANCE UPON THIS SITE’S DELIVERED INFORMATION AND SERVICES; OR (B) ANY LOST PROFITS OR OTHER CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, INDIRECT OR SPECIAL DAMAGES RELATING IN WHOLE OR IN PART TO USER'S RIGHTS UNDER THIS AGREEMENT OR USE OF, OR INABILITY TO USE THIS SITE, EVEN IF NGI, ITS AFFILIATES AND/OR CONTRIBUTORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NGI SHALL HAVE NO LIABILITY WHATSOEVER TO USER FOR ANY CLAIM RELATING IN ANY WAY TO ANY THIRD PARTY CONTENT OR FEATURE.

8.1 Indemnification. User agrees to defend, indemnify, and hold NGI, its affiliates, contractors, suppliers, directors, employees and agents harmless from any and all claims, costs, damages, judgments, and liabilities (including but not limited to reasonable attorney's fees and costs) made by any third party and arising from User’s use of or access to the Site, any content User posts, submits, transmits or otherwise makes available through this Site, User's violation of the terms and conditions of this Agreement, or the violation of the intellectual property rights of any third party.

9 Limitation of Claims. Except for claims relating to improper use of this Site, no claim, regardless of form, which in any way arises out of this Agreement, may be made, if such claim is brought, under this Agreement more than one year after the basis for the claim becomes known to the party desiring to assert it.

10 Modifications to Terms of Use. NGI reserves the right to modify this Agreement at any time and at its sole discretion. Updated versions of the Terms and Conditions of Use will appear on this Site and become the effective Agreement immediately upon publication. User is responsible for regularly reviewing the Terms and Conditions of Use. Continued use of this Site by User after any such modification of this Agreement constitutes User's assent to such modifications.

11 Entire Agreement. This Agreement embodies the entire understanding between User and NGI with respect to the subject matter herein, and supersedes any and all prior understandings and agreements, oral or written, relating to the subject matter.

12 Force Majeure. NGI's performance under these Terms and Conditions of use are subject to interruption and delay due to causes beyond its reasonable control, such as acts of God, acts of any government, war or other hostility, civil disorder, the elements, fire, explosion, power failure, equipment failure, industrial or labor dispute, inability to obtain necessary supplies and the like.

13 General Provisions. This Agreement will be governed by and construed under the law of the state of Arizona, U.S.A. without giving effect to any principles of conflicts of law provisions. The parties agree that the state and federal courts sitting in Arizona will have exclusive jurisdiction over any claim arising out of this Agreement and each party consents to the exclusive jurisdiction of such courts. Neither this Agreement nor any part or portion may be assigned, sublicensed or otherwise transferred by User without NGI's prior written consent. Should any provision of this Agreement be held to be void, invalid, unenforceable or illegal by a court, the validity and enforceability of the other provisions will not be affected thereby. Failure of any party to enforce any provision of this Agreement will not constitute or be construed as a waiver of such provision or of the right to enforce such provision. The headings and captions contained in this Agreement are inserted for convenience only and do not constitute a part of this Agreement.

Updated October 22, 2009

Summary of Exclusions of Tuition Refund Insurance

This insurance does not apply to medical expenses of any kind.

This insurance does not apply to loss nor provide benefits as a result of the following:

Change In Enrollment Status
Change in a "covered person's" enrollment status. For example, changing from resident student to day student, or a reduction in the number of classes, sessions, or activities.
Criminal Activity
The "covered person's" "disability" due to participation in a riot or commission of or attempt to commit a felony.
Dishonest Acts
Dishonest acts committed by you or anyone employed by you whether acting alone or in collusion with others.
Early Graduation
The "covered person's" early graduation or early completion of classes, sessions, or activities.
Other Causes Of Loss
Failure of the "covered person" to attend classes, sessions, or activities for any reason that is not listed as a Covered Cause Of Loss.
Prior Loss
Loss of "covered fees" which first occurred before the "covered person's" "period of coverage".
United States Armed Forces Draft
The "covered person's" induction or draft into the United States armed forces. When, through induction or draft, a "covered person" enters any branch of the United States armed forces, we will refund the unearned premium.

See policy for full list of coverages and exclusions.

General Exclusions

This section describes the general exclusions applicable to the coverage under your policy. An “exclusion” is something that is not covered by this insurance policy, and therefore no reimbursement would be available.

This policy does not provide coverage for any loss that results directly or indirectly from any of the following general exclusions:

Any loss, condition, or event that was known, foreseeable, intended, or expected when this policy was purchased;
Pre-Existing medical conditions, except as waived under the Pre-Existing Medical Condition Exclusion Waiver;
Acts committed with the intent to cause loss;
Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft, commercial vehicle, or commercial watercraft;
Participating in or training for any professional sporting competition;
Cessation of operations by the school;
A criminal act resulting in a conviction, except when the insured student or tuition payer is the victim of such act;
An epidemic;
Air, water, or other pollution, or the threat of a pollutant release, including thermal, biological, and chemical pollution or contamination;
Nuclear reaction, radiation, or radioactive contamination;
War (declared or undeclared) or acts of war; or
Civil disorder or unrest.

This policy does not provide any coverage, benefit, or services for any activity that would violate any applicable law or regulation, including without limitation any economic/trade sanction or embargo.

General Exclusions

This section describes the general exclusions applicable to the coverage under your policy. An “exclusion” is something that is not covered by this insurance policy, and therefore no reimbursement would be available.

This policy does not provide coverage for any loss that results directly or indirectly from any of the following general exclusions:

Any loss, condition, or event that was known, foreseeable, intended, or expected when this policy was purchased;
Pre-Existing medical conditions, except as waived under the Pre-Existing Medical Condition Exclusion Waiver;
Acts committed with the intent to cause loss;
Operating or working as a crew member (including as a trainee or learner/student) aboard any aircraft, commercial vehicle, or commercial watercraft;
Participating in or training for any professional sporting competition;
Cessation of operations by the school;
A criminal act resulting in a conviction, except when the insured student or tuition payer is the victim of such act;
An epidemic;
Air, water, or other pollution, or the threat of a pollutant release, including thermal, biological, and chemical pollution or contamination;
Nuclear reaction, radiation, or radioactive contamination;
War (declared or undeclared) or acts of war; or
Civil disorder or unrest.

This policy does not provide any coverage, benefit, or services for any activity that would violate any applicable law or regulation, including without limitation any economic/trade sanction or embargo.

Frequently Asked Questions

Why might Tuition Refund Insurance be right for me?
College is one of the largest investments a family will make, however, it often goes unprotected. If a student is forced to withdraw from school for medical reasons, your family could face serious financial repercussions if your school's tuition refund policy does not apply to the withdrawal's unique circumstance and timing. Tuition Refund Insurance reduces the financial risk inherent in the investment in higher education by refunding lost tuition, academic fees and other related expenses, up to the policy limits, should a student be forced to withdraw for medical reasons.

What is covered by Tuition Refund Insurance?
Up to 100% of covered fees up to the chosen policy limits for:

Withdrawal of the covered student from an academic program due to illness or injury.
Withdrawal of the covered student from an academic program due to emotional, mental or nervous disorder (a hospitalization stay of at least 24 hours, within 30 days of the date of withdrawal, is required.).
Death of the covered student during the dates of coverage.
Death of the tuition payer (if different from the student) that results in the student's withdrawal from an academic program.

In order to qualify for "medical withdrawal" the student must have gone through the school's official process for medical withdrawal, and must have confirmation from a physician that withdrawing from the academic program is recommended for medical reasons.

What are "Covered Fees"?
"Covered Fees" can include the cost of tuition, unused room and board, books, and other academic fees that were paid to the institution for the covered semester(s).

If a school provides a partial reimbursement at the time of withdrawal, Tuition Refund Insurance coverage will cover any remaining balances up to the policy limits for covered fees.

Coverage is not available if the covered student has:

Voluntarily withdrawn from an academic program.
Been dismissed from an academic program for academic or disciplinary reasons.
Incurred a "loss" (injury, illness or death) that occurs prior to or after the period of coverage.
Failed to attend classes for any reason.
Graduated or completed classes early.
Been inducted or drafted into the Armed Forces.
Modified their enrollment status. For example, if the covered student switches from a full-time to a part-time academic program, this Policy would not cover the difference in tuition costs. The student would still be eligible for coverage for tuition paid for their current program, up to the policy limits, should they withdraw for medical reasons.

For more information, please see exclusions.

Who is eligible for Tuition Refund Insurance?
Any student who is healthy enough to begin classes, attending an accredited academic program that offers this Tuition Refund Insurance program, and responsible for tuition costs, may be eligible to purchase Tuition Refund Insurance. This includes students at a college or university program based in the United States. This does not include private high school, professional development or trade school, or other academic programs. Tuition Refund Insurance may not be available in all states. Eligibility and coverage variations are determined by the student’s state of residence defined during the enrollment process.

Is Tuition Refund Insurance available in all states?
No, Tuition Refund Insurance is not available in all states.

What Does Tuition Refund Insurance cost?
Check with your school for details on pricing. Coverage options may vary by school.

When can I purchase Tuition Refund Insurance?
You must purchase the policy prior to the first day of classes.

If I want to increase my limits, do I have to buy more coverage prior to the first day of classes? Yes, a student needs to purchase any additional coverage prior to the first day of classes. You may cancel your existing coverage and re-enroll with higher limits prior to the first day of classes, if you wish to increase your coverage. Coverage options may vary by school.

What is the start date of coverage?
Coverage begins on the first day of school. Nothing is covered prior to that date.

How long does the policy last?
The policy begins on the first day of classes and covers a traditional academic year, including fall and spring semesters. Specialty terms, like J-Terms, may be covered dependent on your school’s program.

Are summer semesters covered?
Look up your school here to see if they offer summer coverage.

How are the policy limits defined?
The full annual premium is divided by whatever number of terms listed on your Certificate of Coverage. For example, for a student with $30,000 annual coverage, whose Covered Terms are the fall and spring semesters, the student would have the ability to file one claim per semester (2 claims in total), and receive up to $15,000 per semester. If a student attends a school on a quarter system, the coverage limits would then be divided by four.

Am I covered while studying abroad?
Students studying abroad who pay their tuition and fees to their home school, not the study abroad program, are covered.

Are non-traditional programs covered, such as Outward Bound or NOLS?
No, only traditional academic programs that coincide with a standard, school-based academic program are covered by Tuition Refund Insurance.

Are substance abuse and pregnancy covered?
In order to be eligible, the medical withdrawal must be certified by the student's attending physician as being a condition that prevents them from school attendance for the balance of the term. The conditions alone, without a physician's certification of disability, would not trigger coverage. Conditions relating to substance abuse must meet the DSM-IV requirements and have a hospitalization requirement of at least 24 hours, within 30 days of the date of withdrawal. In some states, this requirement may be modified to a 2-day hospitalization.

Are mental health conditions covered?
The indicated covered fees will be paid if the medical disability is due to emotional, nervous or mental disorders as certified by a physician. The covered person must incur a hospital confinement of at least 24 hours within 30 days of the withdrawal and completely withdraw from all activities for the balance of the current academic term. The disorder must be officially diagnosed as an emotional, nervous, or mental condition as shown in the DSM-IV manual.

Claims

How do I file a claim?
A student can notify GradGuard of a claim by giving us a call or by emailing claims@gradguard.com. GradGuard will work with the underwriter, Markel Insurance Company, on behalf of the student to process the claim. The underwriter will issue the payment directly.

Who receives claim payment?
Payments will be made directly to the policyholder or to the loss payee as indicated on the member certificate. Claim payments are made once all of the requested documentation is processed and approved. In some cases, the insured's school is the policyholder or loss payee and will receive payment on behalf of the insured. If there are no outstanding tuition payments due, the school will forward the payment to the insured. In instances where the school is not the policyholder or loss payee, payments will be issued to the insured.

What documentation is required to submit a claim?
Students are required to submit a completed claim form, as well as additional verification information from their school and attending physician. For more information on what is required in order to file a claim please email us at claims@gradguard.com or give us a call.

Can a student file a claim for the same condition in each semester?
Yes. As long as the student is provided a clean bill of health prior to the start of the second semester, if the student suffers from the same or similar condition and is forced to medically withdraw again during a new semester they would be covered.

Cancellation and Refund Policy

What is the cancelation policy?
Policies may be cancelled and refunded in full prior to the first day of classes. For cancelation inquiries please give us a call or email us at customerservice@gradguard.com.

Frequently Asked Questions

Here you'll find answers to some of the most commonly asked questions about tuition insurance from Allianz Global Assistance. Don't see what you're looking for? Contact our tuition insurance advisers at 1-888-427-5045.

How do I know if tuition insurance is right for my family?

As CNBC notes, “a college education is now the second-largest expense in a lifetime — right after purchasing a home.” If you are interested in protecting that investment, you should carefully consider purchasing Allianz Tuition Insurance. The Essential plan offers basic protection for just $29.95 per semester. The Preferred plan offers reimbursement up to 100% in the event of an illness or injury (including pre-existing conditions) and up to 80% in the event of a Mental Health Disorder. For maximum peace of mind, consider the Advantage plan, which adds coverage for withdrawals that result from any unforeseen reason.

What does tuition insurance do?

Allianz Tuition Insurance allows you to simply and affordably protect the significant investment you have made in higher education. A range of plans are available to provide reimbursement for tuition, housing and other fees in the event the covered student withdraws for a wide range of reasons.

What does tuition insurance cover?

Allianz Tuition Insurance offers reimbursement for withdrawal
necessitated by injury, illness (including pre-existing conditions), mental health concerns (including severe anxiety and depression), family emergencies and other covered reasons. We even offer an option that offers reimbursement based on ANY unforeseen reason. Get more details at our Plans Comparison page.

Are pre-existing conditions covered?

Yes, Allianz provides reimbursement if the covered student needs to leave school because of a chronic medical or psychological condition as long as the student was medically able to attend school and did not have any symptoms of the condition on the policy purchase date.

When should I purchase Allianz Tuition Insurance?

Select and purchase your plan before the start of the upcoming semester, indicated by the official Classes Begin date on your school's website.

When does coverage begin and end?

Your plan covers the entire semester, from the first day of classes through midnight of the final date. Remember, coverage does not automatically renew or roll-over to the next semester, so you must repurchase coverage before the start of each semester. You can do this by phone or on our website.

Do plans cover the entire academic year?

Not at the current time. Each Allianz Tuition Insurance policy covers one semester at a time.

What types of schools and programs are covered?

Allianz Tuition Insurance can be used to protect tuition and fees paid to any accredited, non-profit educational institution. This includes community colleges, Associates programs, traditional 4-year degree programs, professional development programs and graduate schools We do not currently cover K–12 programs. If you are not sure if your institution is covered, just give us a call at 1-800-427-5045.

Won't the school reimburse my tuition payments if my child must withdraw?

Not necessarily. Tuition refund policies vary by school, but typically a school will only provide a partial refund for withdrawal after classes have begun, and will provide no reimbursement after a certain date.

How do I purchase tuition insurance?

To learn about our three tuition insurance plans available from Allianz Global Assistance or get a recommendation on the best plan for your needs, please provide your contact information or call 1-888-427-5045 to speak with a tuition insurance adviser.

Is a family eligible for tuition insurance if they are paying for college with student loans or financial aid?

Yes. Students or parents who pay for all or part of their tuition using a student loan are still eligible for our insurance and for a refund of their tuition. If the student is still responsible for paying back the student loan after they withdraw, then Allianz Global Assistance may refund that amount minus any refunds given by the school. The same applies for any financial aid. However, tuition reimbursement insurance only reimburses expenses paid out of pocket, not grants or scholarships paid directly to the school.

Is the coverage available for foreign students studying in the U.S.?

Coverage is available to any student with a U.S. residence. So, if a foreign student has a domestic residence, he/she is eligible for coverage.

How is Allianz Tuition Insurance different from plans coming from other providers?

No other tuition protection plan offers the range of affordable, flexible coverage options combined with our parent company's legacy of providing outstanding service whenever and wherever our customers need help.

What is Student Life Assistance?

Student Life Assistance is included with all tuition insurance products from Allianz Global Assistance. This is a free service that provides 24-hour assistance to students and their parents in emergency situations. For example, Student Life Assistance staff can help families travel to see their hospitalized student, assist in arranging to transport a student home after receiving medical care, or arrange for a sick or injured student's car to be driven back to his or her home.

What's my next step?

If you have any additional questions, please call our Tuition Team at
1-888-427-5045. You can get a coverage quote right here, and then
purchase your plan online or by phone when you are ready.

How do I file a claim?

Please call 1-888-427-5045 to begin the claim process. Once you have filed your claim, you will receive a confirmation email as well as required documentation.

How do I check the status of a claim I've filed?

Call 1-888-427-5045 to check the status of your claim.

How long will it take for my claim to be processed?

We begin to process your claim once we receive your claim form and all supporting documentation. Please allow up to 10 business days for us to complete this process.

How do I submit my claim documents?

Please mail, fax or email your documentation to:

Allianz Global Assistance
Attn: Tuition Claims Dept.
P.O. Box 72031
Richmond, VA 23255-2031

Fax: (804) 673-1469

Email: TuitionClaims@AllianzAssistance.com

How do I get the required forms or another copy of my policy documents?

Call 1-888-427-5045 to request forms or an additional copy of your policy documents.

How do I cancel my policy?

Call 1-888-427-5045 to cancel your policy. For a full refund of your premium, you must cancel within 10 days of purchase and must not have filed a claim.

Who provides the insurance for these plans?

Insurance coverage is underwritten by Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 107 series. Allianz Global Assistance is a brand of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

Who is eligible to buy tuition insurance?

Allianz Tuition Insurance is available to residents of ALL states. The student must be attending an accredited post-secondary institution. Study abroad programs are also eligible for coverage if through an accredited institution.

Frequently Asked Questions

Here you’ll find answers to some of the most commonly asked questions about Allianz Tuition Insurance provided by GradGuard. Don’t see what you’re looking for? Contact a tuition insurance adviser at 888-427-5045.

Why do I need tuition insurance?

Just as you purchase insurance to protect your home and car, tuition insurance allows you to protect the investment you make in higher education for yourself or your child. Tuition insurance can reimburse you for non-refundable tuition, fees and room and board costs (up to the amount of your policy limits) should your child have to withdraw from school for a covered reason.

What does tuition insurance cover?

Tuition insurance reimburses you for up to 100 percent of tuition costs, as well as fees, room, and board. The Tuition Protection Plan also includes Student Life Assistance benefits.

When is the best time to purchase tuition insurance?

You must purchase the policy prior to the first day of classes.

If I want to increase my limits, do I have to buy more coverage prior to the first day of classes?

Yes, a student needs to purchase any additional coverage prior to the first day of classes. You may cancel your existing coverage and re-enroll with higher limits prior to the first day of classes, if you wish to increase your coverage. Coverage options may vary by school.

Won't the school reimburse my tuition payments if my child must withdraw?

Not necessarily. Tuition refund policies vary by school, but typically a school will only provide a partial refund for withdrawal after classes have begun, and will provide no reimbursement after a certain date.

Who is eligible for Tuition Protection Plan?

Any student who is healthy enough to begin classes, attending an accredited 4 Year non Profit that offers this Tuition Protection Plan program, and responsible for tuition costs, may be eligible to purchase Tuition Protection Plan. This includes students at a college or university program based in the United States. This does not include private high school, professional development or trade school, or other academic programs. Tuition Protection Plan may not be available in all states. Eligibility and coverage variations are determined by the student’s state of residence defined during the enrollment process.

Is Tuition Protection Plan available in all states?

Yes, Tuition Protection Plan is available in all states.

What Does Tuition Protection Plan cost?

Check with your school for details on pricing. Coverage options may vary by school.

What is included in non-refundable costs?

Non-refundable costs can include tuition, fees, room and board costs that are not refunded by the school.

How long does the policy last?

The policy begins on the first day of classes and covers the academic term. Multiple terms can be purchased. Specialty terms, like J-Terms, may be covered dependent on your school’s program.

How are the policy limits defined?

The option to purchase up to $75,000 of coverage per term is available. The policy limit is the amount of coverage you purchased for a single term and is listed on your Certificate of Coverage

Am I covered while studying abroad?

Students studying abroad who pay their tuition and fees to their home school, not the study abroad program, are covered.

If I purchase tuition insurance, will I be reimbursed if my son or daughter withdraws from college?

In most cases, yes. Tuition insurance provides reimbursement of prepaid, nonrefundable payments if your child has to withdraw for one of the reasons covered by your policy. Covered reasons vary by plan but may include a covered illness or injury, psychological or mental disorder, death of student, and even any unforeseen reason.

Is my tuition refund paid directly to me?

Once a claim is approved, payment is made directly to the policyholder. The policyholder is the individual who purchased the insurance.

Is a student eligible for tuition insurance if he or she is paying for college with student loans or financial aid?

Yes. Students who pay for all or part of their tuition using a student loan are still eligible for our insurance and for a refund of their tuition. If the student is still responsible for paying back the student loan after they withdraw, then GradGuard Tuition Protection Plan may refund that amount minus any refunds given by the school. The same applies for any financial aid. However, tuition reimbursement insurance only reimburses expenses paid out of pocket, not grants or scholarships paid directly to the school.

What is Student Life Assistance?

Student Life Assistance is included with all tuition insurance products from Allianz Global Assistance. This is a free service that provides 24-hour assistance to students and their parents in emergency situations. For example, Student Life Assistance staff can help families travel to see their hospitalized student, assist in arranging to transport a student home after receiving medical care, or arrange for a sick or injured student’s car to be driven back to his or her home.

How do I file a claim?

Please call 1-888-427-5045 to begin the claim process. Once you have filed your claim, you will receive a confirmation email as well as required documentation.

How do I check the status of a claim I've filed?

Call 1-888-427-5045 to check the status of your claim.

How long will it take for my claim to be processed?

We begin to process your claim once we receive your claim form and all supporting documentation. Please allow up to 10 business days for us to complete this process.

How do I submit my claim documents?

Please mail, fax or email your documentation to:
Allianz Global Assistance
Attn: Tuition Claims Dept.
P.O. Box 72031
Richmond, VA 23255-2031
Fax: (804) 673-1469
Email: claimsinquiry@allianzassistance.com

How do I get the required forms or another copy of my policy documents?

Call 1-888-427-5045 to request forms or an additional copy of your policy documents.

How do I cancel my policy?

Call 1-888-427-5045 to cancel your policy. For a full refund of your premium, you must cancel within 10 days of purchase and must not have filed a claim.

What is an existing medical condition?

An existing medical condition is an illness or injury that the student was seeking or receiving treatment for or had symptoms of within the 60 days prior to purchasing the policy. Please also note that you may still be covered for losses caused by reasons other than those related to an existing medical condition. See the Certificate of Insurance/Policy for details.

If my child has an existing medical condition, can I still purchase tuition insurance?

Yes. Your plan offers coverage for existing medical conditions when: 1. the insurance was purchased within 14 calendar days of initial tuition payment or deposit; 2. the insured student was covered by a similar policy issued by the company within the previous four months; or 3. a covered loss is due to the death of the insured student. Coverage limits may vary based upon your chosen plan. Please see your Certificate of Insurance/Policy for terms, conditions, and exclusions.

Who provides the insurance for these plans?

Insurance coverage is underwritten by Jefferson Insurance Company (NY, Administrative Office: Richmond, VA), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 107 series. Allianz Global Assistance is a brand of AGA Service Company. AGA Service Company is the licensed producer and administrator of this plan and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage because of the affiliation between AGA Service Company and Jefferson Insurance Company.

What is the cancelation policy?

Policies may be canceled and refunded in full prior to the first day of classes. For cancelation inquiries please give us a call or email us at tuition@allianzassistance.com.

If you choose to add a roommate, both people will be listed on the policy. Any check will be issued to both names, and policy limits will be shared for claims filed for the same event. For example, if there was a fire and both roommates had belongings damaged in that incident, the personal property limit would be shared when replacing their items.

Tuition Insurance

Protect your most valuable investment.

Watch a Quick Video about Tuition Insurance

What is covered by Tuition Insurance?

Serious injury or illness

Psychological conditions

Chronic illness

The unexpected

Our Tuition Insurance Plans

Essential

Preferred

Advantage