Mutual Benefit Online Account and Electronic Document Access Terms and Conditions

By enrolling in and/or using Mutual Benefit Online Account, you agree to the following terms and conditions, so please read them carefully.
(Last updated 01/01/2024)

The words "we," "us," and "our" means Mutual Benefit Insurance Company. The words "you" and "your" means you the individual(s) who desires to access your policy documents electronically.

Conditions of Use

These Mutual Benefit Online Account terms and conditions apply only to the Mutual Benefit Online Account website.  Mutual Benefit may revise these terms and conditions from time to time by posting them on the Mutual Benefit Online Account website. You are bound by any such revisions if you continue to use the website after we have posted the changes; and we suggest that you periodically visit this page to review the most recent Online Account terms and conditions.  Additional terms and conditions for Website use, available at this link and incorporated herein by reference.

Definition of Registration

By registering for Mutual Benefit’s Online Account site, you are indicating that you would like to view information about your Mutual Benefit policy(ies) or billing documents. 

Services

Mutual Benefit Online Account provides customers the ability to view information about their policies and billing documents online.

Service Limitations:

Mutual Benefit will make commercially reasonable efforts to make your experience with our Online Account application a productive and pleasant one. However, technical or other difficulties cannot always be foreseen or anticipated. These difficulties may result in loss of data, personalized settings or other service interruptions.

Mutual Benefit Online Account Application Changes and Discontinuation: 

Mutual Benefit reserves the right to change or discontinue, temporarily or permanently, this Online Account website at any time without notice. You agree that Mutual Benefit will not be liable to you, members of your household, or any third party for any damages associated with any modification or discontinuance of the website.

User Responsibilities and Guidelines

For your benefit and security and to comply with applicable laws, Mutual Benefit Online Account has a few guidelines. Any conduct that violates these guidelines is grounds for termination of your enrollment in Mutual Benefit Online Account.

Provide Accurate Information:

• You must agree to provide true, accurate, current and complete information about you as requested on the registration form and other pages requesting information.
• You must agree not to misrepresent your identity.
• You must agree to keep your registration and E-mail address up to date and accurate.

Guard Your Password:

You will be asked to select a User Name and Password when registering. You are responsible for maintaining the confidentiality of your User ID and Password. You are fully responsible for all activities that occur using your User Name and Password, or account. This includes maintaining security of Touch ID & Passcode settings on your devices for all users. Any unauthorized use of your Password, account or any breach of security must be immediately reported to Mutual Benefit. Commercially reasonable steps have been taken to protect the privacy of individual users of the Mutual Benefit Online Account website. Mutual Benefit will not be liable for any loss that you may incur as a result of someone else using your Password or account, either with or without our knowledge. You may not use anyone else's Password at any time.

Unauthorized Access and Use:

Mutual Benefit Online Account website is provided for the use of Mutual Benefit policyholders for Mutual Benefit legitimate business purposes only. The actual or attempted unauthorized access, use, or modification of this system is strictly prohibited.

Security of Personal Information

Mutual Benefit and vendors who work with Mutual Benefit  to host and operate Mutual Benefit Online Account take commercially reasonable steps to secure your personal information. This includes using password protection to verify your identity and requiring 128 bit encryption to secure data transmitted on the Internet. All stored data is kept behind firewalls. Please refer to the Mutual Benefit Privacy Policy available at this link and incorporated herein by reference for more details and information regarding our Internet Privacy practices.

Accuracy of Information

Should information displayed on the Mutual Benefit Online Account website differ from the information in the policy documents sent to you, the policy documents sent to you will be considered the correct information.

Electronic Document Access Terms and Conditions

(Last Updated 01/01/2024)

Please read these Electronic Document Access Terms and Conditions thoroughly. It contains important information about your policy.

To receive your insurance related documents by Paperless Delivery instead of by Mail, you must enroll in our Electronic Document Access Program(“Program”). By enrolling in the Program, you confirm that you have read and agree to these Electronic Document Access Terms and Conditions (“Terms and Conditions”).

“Mutual Benefit” means Mutual Benefit Insurance Company. The words "we," "us," and "our" mean Mutual Benefit. The words "you" and "your" mean you the Named Insured who is enrolling in the Program. You represent that you are a Named Insured on the policy (ies) and that you have the authority to act on behalf of all Named Insureds on the Policy(ies). Only one Named Insured’s consent is required to enroll a Policy in the Program, regardless of the number of Named Insureds in the Policy.

When capitalized, the words “Policy”, “Policies”, or “Policy(ies)” mean the policy of policies that you have chosen to enroll in the Program, including and renewal, continuation, replacement, change or re-write(including a re-write that results in a new policy number) of that enrolled policy. If you have multiple policies with us, you can choose the policies you want enrolled in the Program.

You have indicated your desire to receive forms relating to your insurance transaction electronically through electronic format.

These Terms and Conditions apply to those forms, disclosures, notices or other documents that may be given to you as part of your insurance policy transaction. By agreeing to these Terms and Conditions, you are agreeing that you have the authority to receive these documents electronically on behalf of all insureds under your policy. Moreover, you also understand and agree that Mutual Benefit may provide to you in electronic format only, either by email or by posting information on the website where you access your policy information including but not limited to policy documents, notices, billing documents, endorsements, changes to your policy(s) and any other information relating to your insurance policy(ies) that would otherwise be mailed to you.

1. Method of Providing Communications to You in Electronic Form. All communications that we provide to you in electronic form will be provided either (1) via email; or (2) by your accessing a website that we will designate in an email notice that we send to you at the time the information is available. You will need the username and password that you created to access this website.
2. How to Withdraw Consent. You may withdraw your consent to transact business electronically by indicating your preference at our website. At our option, we may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to transact business electronically. A withdrawal of your consent to transact business electronically will be effective only after we have had a reasonable period of time to process your request.
3. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to these Terms and Conditions and your insurance policies, and to maintain and update promptly any changes in this information. You can update your information (such as your email address) by logging into your Mutual Benefit online account, which is accessible through www.mutualbenefitgroup.com.
4. Hardware and Software Requirements. In order to access, view, sign and retain electronic communications that we make available to you, you must: have a device that will connect to the Internet, access to an email account and access to an internet browser. Access to Adobe products may be necessary to view, download, or print documents. You also must be able to view the disclosures on your device and have sufficient electronic storage capacity on your computer's hard drive or other data storage unit. We will update you if there are any changes to the hardware or software requirements that could impact your receiving or signing such communications.
5. Requesting Paper Copies. You can obtain a paper copy of any communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, go to the Documents page in your Mutual Benefit online account, or contact your independent agent. There is no charge associated with requesting a paper copy of a communication we sent you electronically. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.
6. Mandatory Paper Copies of Electronic Communications. We will not send you a paper copy of electronic communications unless you request it, we otherwise deem it appropriate to do so, or in some instances where we are required by law to send paper copies of documents. While you may elect to receive electronic communications from us, depending on state law, there may be documents and communications that we need to provide to you in paper form.
7. Communications in Writing. All communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of all electronic communications, these Terms and Conditions, and any other document that is important to you.
8. Law. You acknowledge and agree that your consent to transact electronic business is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and your state's UETA law as applicable.
9. Termination Changes. We reserve the right, in our sole discretion, to discontinue any provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications or transact business electronically. We will provide you with notice of any such termination or change if required by law.