Opinion ID: 38079
Heading Depth: 2
Heading Rank: 4

Heading: Brochure

Text: The accompanying MLIC brochure touted the advantages of the thirty-day “risk free” period, stating in bold print: 4 Examine at No Risk for 30 Days. When your certificate/policy arrives, look it over. If you don’t agree that this is sensible and affordable mortgage protection, simply return it within 30 days of receiving it . . . and you won’t [future tense] owe a cent. No questions asked. In the meantime, you’ll [future tense] be fully covered while you make your decision. In addition to explaining the thirty-day examination period, MLIC’s brochure emphasized that the Jenkinses would not be required to mail a separate check for their premium payments to either MLIC or NovaStar. The brochure promised the applicants that “[t]here are no checks to write” and that their “insurance premium [would be] conveniently added to [their] monthly mortgage payments.”