Opinion ID: 38079
Heading Depth: 2
Heading Rank: 3

Heading: Cover Letter

Text: In the cover letter, NovaStar informed the Jenkinses that the mortgage life insurance policy would pay off their entire mortgage balance “up to $300,000” in the event of the death of either of them. The cover letter also promised the Jenkinses a thirty-day “risk free” period, commencing on the date they received their Certificate of Insurance/policy, during which period they would be allowed to examine the policy without cost or obligation: This insurance is yours to try risk free. We’re confident that you’ll agree that [the insurance] provides essential protection. Examine the Certificate of Insurance for 30 days at no cost or obligation. If you decide you don’t want the coverage, for any reason, just return the Certificate to Monumental Life Insurance Company and you’ll [future tense] owe nothing.