A sales pitch is written to be remembered, so it uses words that sound complete. Words such as comprehensive, full, lifetime, protected, certified, and peace of mind are not terms of a contract. Each one has to be traced to a clause, or it stays a description. This guide shows how to test every such word before you let it shape a choice.
Find the word in the paper
Take each adjective the seller used and search the contract for it. If the word appears, read the sentence around it and the definition that governs it. If the word does not appear, the seller is describing something the contract may not say. Write that down. A sales phrase with no matching clause is a question, not a feature.
Ask what the word excludes
Every broad word has a limit somewhere else in the paper. Look at the exclusions page, the stated limits, and the list of things the contract does not cover. Ask the seller to show you where each exclusion sits. Ask what the word means for the unit you own, not for a unit in a brochure.
Ask what lifetime measures
A word like lifetime can mean the life of the contract, the life of the unit, or the life of the owner. Ask which one it means, and ask whether it ends on transfer, on sale of the unit, or on cancellation. The answer should match a clause you can point to. If it does not, the word has no value in your comparison.
Turn each word into a question you can check
Use this form: what does this word mean in the contract, where is that meaning written, and what does the contract say happens when the word does not fit my case? Put the question to the seller in writing, and keep the answer with the contract. A seller who answers with more adjectives has not answered the question.
Keep the pitch apart from the paper
When you compare offers, compare the contract text, not the pitch. Read each contract to the end, including the cancellation and transfer clauses. If the spoken description and the written contract disagree, the written contract is the one to measure. This guide does not rank any seller or product, and it does not say which offer is better. It only sets out how to check the words.