Legal Notice

By accessing and using this website, you are accepting and agreeing to be bound by and comply with these Terms and Condition of Use (herein "Terms"). If you do not agree to these Terms, please refrain from accessing or using this website. These Terms may be changed from time to time, without prior notice. Amended Terms shall automatically become effective immediately after they are posted.


The words "Insurance Services", "we", "our", or "us" mean one or more of the companies listed at the link "Company Information".

These Terms apply to communications that we are legally required to provide to you and other communications that we provide to you in connection with any or all of your insurance policies, accounts and services accessible at this website.

Please read these Terms thoroughly as they contain important information about your legal rights. These Terms cover all of your policies, accounts and services with one or more of the individual companies listed at the link "Company Information" accessible, either currently, or in the future, through this website. This includes, but is not limited to, the following policy, account and service types: policy loan, annuity accounts, insurance policies and other online services. The words "I", "you" and "your" mean each account holder, policyowner and/or service user identified in a policy or account.

Privacy/Treatment of Information or Data Submitted to Us

Personal information submitted to us will be treated in accordance with our Online Privacy Policy.

Your Legal Rights

Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present these Terms to you and obtain your consent to receive it electronically. Your consent will also apply to any other person named on your policy or account, subject to applicable law. Since this website will include some of this information, you must consent to these Terms in order to use these services. At times, we may still present you with paper disclosures, but as a basic proposition we need to know that you are willing to receive disclosures and other information electronically that otherwise must be provided on paper and that you have the hardware and software needed for access to this information (and note that in Section No. 3 below, we explain ways to obtain selected disclosures or other information on paper even after you have consented to these Terms).

Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your account or through email (if applicable and if you have provided a valid email address) agreements, disclosures, notices, and other information and communications regarding your accounts, policies, the use of any website services, your relationship with us, and/or other services that are or may be in the future made available to you ("Communications"). Such Communications may include, but are not limited to:

  • These Terms and any updates;
  • Online Agreement, other service or user agreements for online access to this website or any other websites provided by us, all updates to these agreements and all disclosures, notices and other communications regarding online servicing transactions you make within these websites;
  • Disclosures, agreements, notices and other information related to your policy or account including, but not limited to payment notices, annual statements, or other disclosures or notices that may be required by federal or state laws and regulations affecting your policy or account.
  • Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of a policy or account or service thereon, including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by federal or state laws and regulations affecting your policy or account;
  • Any notice or disclosure regarding a policy or account product or service fee, such as a late fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment order;
  • Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to your policy or account or the services you obtain from us;
  • Our Online Privacy Policy or the Customer Information Privacy Policy of the individual companies listed at the link "Companies Serviced" and other privacy statements or notices (by posting such notices on this website);
  • Certain statements or notices that the individual companies listed at the link "Companies Serviced" are legally required to provide to you, and
  • Certain information or forms that we request from you and ask you to submit electronically, such as policy change forms and agreements.

Setting Your Electronic Communications Preferences

After you consent to these Terms, you will still be able to set your preferences to receive certain Communications in; (1) electronic format only; or (2) paper format only. Setting your Communications preferences may not be available for all policies, accounts or services. For more information on the availability of your electronic communications preference management options, please refer to the appropriate electronic communications preferences selection options on this website or the website where you access your Communications. If you decide to receive some Communications in paper and some electronically, the Communications that you receive electronically will be governed by these Terms.

Types of Communications You Will Receive in Paper

These Terms do not apply to:

  • Any notice of the cancellation or termination of life insurance benefits (excluding annuities);
  • Any transactions subject to Article 9 of the Uniform Commercial Code;
  • Any other communications that we determine, in our sole discretion that you should receive in paper rather than electronic form.

Such notices and disclosures shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

How to Withdraw Your Consent to these Terms

Subject to applicable law, you may withdraw your consent to these Terms by emailing or calling the appropriate toll-free customer service phone numbers. For Online Servicing please access the "Contact Us" link to find the appropriate phone numbers. You will not be charged a fee for withdrawal of your consent.

For Online Servicing, if you withdraw your consent, we may stop providing you with Communications electronically and we may terminate your Online Servicing access. Your withdrawal of consent is effective only after you have communicated your withdrawal to Insurance Services by Mail at Insurance Services, PO Box 1147, Jacksonville IL 62651-1147 or by calling the appropriate customer service phone numbers and Insurance Services has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.

Remember that you can always set your Communications preferences as described in Setting Preferences above without withdrawing your consent to these Terms.

Consent to Coverage; Certain Notices From You Are Not Covered. Applicable law, policy or account language sometimes require you to give the individual companies listed at the link "Companies Serviced" "written" notices. You must still provide these notices on paper. Your consent here does not relate to those notices.

Obtaining Copies of Electronic Communications

You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by Insurance Services to you. You may request a paper copy of these Communications by sending us an email from our contact us page or by calling us at the appropriate toll-free customer service phone number for your policy or account or service. Please refer to the "Contact Us" link on the website to find the appropriate contact information.

Be sure to specify your account or policy identification number, as applicable, for the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

Retain Copies for Your Records

We recommend that you print or download a copy of these Terms, the Service Agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Online Privacy Policy in your records, you can obtain another copy. If you are initiating the Online eDelivery enrollment process via the call center, the call center representative can provide you with paper copies.

Validity of Website Documents

The content of this website is provided for your information and convenience. If you access your policy or account information online, the terms and conditions of your coverage are determined by the applicable policy or account documents. In the event of any conflict with the content of this website, the applicable policy or account documents shall be controlling.

Timeliness of Website Information

Some information on this website may not be up to date. If you have questions about how current the information is or about specific information on the website, please contact us by emailing us from the Contact us page.

Governing Laws

The laws of Texas and the federal laws of the United States of America shall govern as to the interpretation, validity and effect of these Terms and any use of this website. The courts of Texas shall have exclusive jurisdiction in any action or proceeding instituted under or related to these Terms or your use of the website.

If you take legal action relating to these Terms or arising out of or relating to your use of this website, you agree to file such action only in Texas and you consent to submit to the personal jurisdiction of the state and federal courts of Texas for the purposes of pursuing any such action. Any cause of action you may have with arising out of or related to your use of this website must be commenced within one (1) year after the cause of action arises. We reserve the right to seek all remedies available at law and equity for violations of these Terms, as well as the right to restrict access to this website or any portion of it. We do not represent that the information in this website is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. Those who access this website do so on their own initiative and are responsible for compliance with all applicable local laws.

U.S. Export Controls Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the United States has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with United States export control laws and that you will not transfer any software or other content from this website in violation of United States export controls.

Use of the Website

This website does not, and it is not intended to, provide any financial, investment, retirement planning, legal, accounting, or tax advice. The website should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this website constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All insurance policies, products and services are subject to the terms and conditions of the applicable agreements. Neither Insurance Services or the individual companies listed at the link "Company Information", nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of this website or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the website, including without limitation any direct, indirect, special, third party, or consequential damages.

Content and Liability Disclaimer

No warranty. Our intent is to provide accurate and up to date content on this website; however, that is not always possible. THEREFORE, ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, OR ANY OTHER WEB SITE LINKED TO THIS SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties in which event any required warranty applies to the minimum extent legally required.

Content may contain inaccuracies or errors and may change.

No warranty or representation is made that the information on this website is complete, accurate, up-to-date or error-free or that known defects will be corrected. Content, services, policies, accounts or functions available at this website may be changed or updated at any time without notice; but we have no obligation to update this website so information may be out-of-date at any given time.

Limitation on Liability and Damages

IN NO EVENT WILL WE OR THE INDIVIDUAL COMPANIES LISTED AT THE LINK "COMPANY INFORMATION" BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, ARISING OUT OF OR RELATED TO ANY USE OF OR INABILITY TO USE THIS WEBSITE, OR ANY OTHER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, USE OF OR RELIANCE ON INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, THEFT, UNAUTHORIZED ACCESS, DISCLOSURES OF COMMUNICATIONS, OR ANY FAILURE OF PERFORMANCE. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required as a result of or related to using this website. In no event shall our total liability to you for damages, losses and causes of action of any kind - whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise - exceed the amount paid by you, if any, for accessing this website.

Entire Agreement

These Terms represent the entire agreement between you and us relating to the subject matter herein. If any provision of these Terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these Terms and will not affect the validity and enforceability of the remaining provisions.

Copyright Protections

All Contents ©2012 Insurance Services. All Rights Reserved. The contents of all material available on this Internet website are copyrighted by Insurance Services unless otherwise indicated. All rights are reserved by Insurance Services, and content may not be reproduced, downloaded, disseminated, published, or transferred in any form or by any means, except with the prior written permission of Insurance Services. Copyright infringement is a violation of federal law subject to criminal and civil penalties.

Changes to our Legal Notices

If we decide to change the Legal Terms and Conditions of Use, we will update the modification date below

This Legal Terms and Conditions was last modified on January 22,2020