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EquiTrust Life Insurance Company("EquiTrust"), gives you the ability to access content on this website (“Site”),
www.equitrust.com. You can use this Site for our product information, educational content, services,
and self-help tools ("Online Activities"). You may use this Site only if you agree, without modification, to these terms and conditions of use
(“Terms”). Please read the Terms carefully before continuing. If you do not agree to the Terms, you must leave this site. The Terms are in
addition to any other agreements between you and EquiTrust.
EquiTrust reserves the right to modify or change the Terms at any time without prior notice to you.
Such modification or change shall be effective upon posting by EquiTrust on this Site.
You agree to be bound to any changes to the Terms when you use this Site after any such change is posted.
The materials on this Site (including, without limitation, all software) are provided “as is” and without warranties of any kind either expressed or implied.
To the fullest extent permissible pursuant to applicable law, EquiTrust disclaims all warranties of merchantability, fitness for a particular purpose,
or non-infringement of intellectual property. EquiTrust does not warrant that the functions contained in the materials will be uninterrupted or error-fee,
that defects will be corrected, or that this Site or the service that makes it available are free of viruses or other harmful components.EquiTrust does not
warrant or make any representations regarding the use or the results of the use of the materials on this Site in terms of their correctness, accuracy, reliability,
or otherwise. You (and not Equitrust) assume the entire cost of all necessary servicing, repair, or correction of all equipment, data, or other items.EquiTrust
also makes no guarantee as to the accuracy, validity, timeliness, or completeness of any information on any site to which you gain access though a hyperlink or
other link from this Site. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions, and conditions
applicable to the products and services but are provided solely for general informational purposes. EquiTrust may make changes to the Site materials and the
product information at any time without notice and without obligation to update the materials contained on this Site.
While EquiTrust uses reasonable efforts to include accurate and up to date information on this Site, errors or omissions sometimes occur.
EquiTrust makes no warranties or representations as to the accuracy of this Site.Under no circumstances, including, but not limited to,
negligence, shall EquiTrust or any party involved in creating, producing, or delivering the Site be liable to you for any direct, incidental,
consequential, indirect, or punitive damages whatsoever (including, without limitation, those resulting from lost profits, lost data or
business interruption) that result from the use of, or the inability to use, or the results of the use of this Site or the materials or
information contained at this Site, whether based on warranty, contract, tort or any other legal theory, even if EquiTrust or an EquiTrust
authorized representative has been advised of the possibility of such damages.In no event shall EquiTrust’s total liability to you for all
damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Site or the materials.
EquiTrust also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or
other property as a result of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or
audio form this Site.EquiTrust shall not be liable for any mechanical or electronic equipment failure, failure of communications lines, telephone
or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.
Applicable law may not allow the exclusion or limitation of incidental or consequential damages,
so these limitations or exclusions may not apply to you.
EquiTrust reserves the right to seek all remedies available at law and in equity.
You agree, at your own expense, to defend, indemnify and hold EquiTrust harmless from any claim or demand, including reasonable attorneys' fees,
made by a third party in connection with or arising out of your access to, or use of, the Site or any of its content in a manner other than as
expressly authorized by these Terms, your breach of these Terms or your violation of applicable laws or any rights of any third party.
All trademarks, service marks, trade names, logos, icons and any other proprietary information(collectively, “Intellectual Property”) are
licensed or proprietary to EquiTrust.Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise,
any license or right to use any Intellectual Property displayed on this Site without the written permission of EquiTrust or such third party
that may own the Intellectual displayed on this Site.Your use of the Intellectual Property displayed on this Site, or any other content on
this Site, except as provided herein, is strictly prohibited.
Images displayed on this Site are either the property of, or used with permission by, EquiTrust.The use of these images by you, or anyone
else authorized by you, is prohibited unless specifically permitted herein.Any unauthorized use of the images may violate copyright laws,
trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
The materials on this Site are copyrighted and any unauthorized use of any materials on this Site may violate copyright, trademark, and
other laws.If you breach any of these Terms, your authorization to use this Site automatically terminates and you must immediately destroy
any downloaded or printed materials.
This Site is owned and operated by EquiTrust.Except as otherwise expressly permitted by EquiTrust, no materials from this Site or any
site owned, operated, licensed or controlled by EquiTrust may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed
in any way. You may download material displayed on this Site for your personal non-commercial reference only provided you also retain all
copyright and other proprietary notices contained on the materials.You may not distribute, modify, transmit, reuse, repost, or use the
content of this Site for public or commercial purposes, including the software, text, images, audio, and video without EquiTrust's written
permission.EquiTrust neither warrants nor represents that your use of materials displayed on this Site will not infringe rights of third
parties not owned by or affiliated with EquiTrust.Use of any EquiTrust trademarks as metatags on any third-party site is strictly
prohibited. You may not Co-Brand the Site or display the Site in frames (or any of the content via in-line links) without prior written
permission from EquiTrust. "Co-brand" means your display of any of the Intellectual Property, or your taking of other means of attribution
or identification of EquiTrust in such a manner reasonably likely to give a third party the impression that you or such third party has the
right to display, publish or distribute the Site or any of its content. You agree to cooperate with EquiTrust in causing any unauthorized
co-branding, framing or linking to immediately cease. The Site and its content are not intended for children ages 13 and younger.
EquiTrust expressly reserves the right to monitor any and all use of this Site.EquiTrust is under no obligation to do so and assumes no
responsibility or liability arising from the use of this Site.
This Site may be linked to other sites which are not maintained by EquiTrust. Links on this Site to such third-party sites are provided
solely as a convenience to you. If you use these links, you will leave this Site.EquiTrust has not reviewed all of these third-party sites
and does not control and is not responsible for any of these sites or their content, nor does the inclusion of any link to such sites imply
approval of or endorsement by EquiTrust of the sites or the content thereof. Thus, EquiTrust does not endorse or make any representations
about them, or any information, software or other products or materials found there, or any results that may be obtained from using them
and disclaims all liability as to the content or material available at those sites.If you decide to access any of the third-party sites
lined to this Site, you do so entirely at your own risk. This Site is intended to provide general information only and is not intended to
assist in the solicitation, negotiation or sale of any insurance or security product.
EquiTrust administers this Site from its office in West Des Moines, Iowa.Unless otherwise expressly set forth herein, EquiTrust makes
no representation that materials on this Site are appropriate or available for use in any location, including, without limitation, for use
outside the United States, and access to the materials on this Site from territories where their contents are illegal is prohibited.You
may not use or export or re-export the materials on this Site or any copy or adaptation in violation of any applicable laws or regulations,
including, without limitation, U.S.export laws and regulations. Those who choose to access this Site do so on their own initiative and are
responsible for compliance with local laws. The appropriate Iowa Federal or State court shall have exclusive jurisdiction for any action or
dispute arising out of this agreement or Site.
The information and material contained on this Site is not an offer to sell or a solicitation to buy any security or any insurance product
in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation,
purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.The information provided on this Site
does not apply to nor are the insurance products and services of EquiTrust available to residents of any state not identified herein or of any
foreign country. EquiTrust products are offered by EquiTrust agents - for more information about any EquiTrust product please contact your
All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Website that permit uploading
of questions, comments or other material are hereby considered "Visitor Submissions".
If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein.
Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially obscured
injurious to EquiTrust or third parties; and that will not consist of or invoke malicious software code, constitute commercial solicitation
(except where pre-approved by EquiTrust), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like.
Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you are the individual
identified by the address.If you wish to submit materials to the Site, you are prohibited from impersonating any other individual or entity,
or otherwise mislead as to the origination of the Visitor Submission.
Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of
any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that
may violate the legal rights of any person or entity in any jurisdiction or locale.You may not submit materials that are or purport to be
the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal
attribute which would constitute harassment or an invasion of privacy.
Visitor Submissions become the property of EquiTrust and you grant EquiTrust a non-exclusive, royalty-free, perpetual, irrevocable, fully
transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as necessary
and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission,
you are also hereby granting to EquiTrust the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise
uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.
Visitor Submissions used, displayed or propagated by EquiTrust or others licensed by EquiTrust to use Visitor Submissions may be attributed
to you unless the visitor has expressly requested anonymity. EquiTrust reserves the right to select among the Visitor Submissions for the most
appropriate material to be used, subject to EquiTrust's sole discretion and judgment. EquiTrust otherwise reserves the right to remove Visitor
Submissions from the Site pursuant to its discretion and judgment, but maintains no obligation to do so.
Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the
re-submission or republishing of any Visitor Submission on any other site not affiliated with EquiTrust.
Certain parts of this Site may be protected by passwords or require a login.You agree to provide EquiTrust with current, complete, and
accurate information about you as prompted by the applicable registration process and agree to regularly update this information to maintain
its completeness and accuracy.You agree to use this Site to access only those accounts on which you are authorized to act, and you agree to
use your own user names, logins, and passwords when accessing accounts on which you are authorized to act. You agree not to obtain or attempt
to obtain unauthorized access to such parts or features on this Site, or to any other protected information, through any means not intentionally
made available to you by EquiTrust.
You are responsible for maintaining the confidentiality of any account information, user names, logins, and passwords that you use to access
any page or feature on this Site, and for logging off of your account and any protected areas of the Site.Further, you are fully responsible for
all activities occurring under your accounts, user names, logins, and passwords that result from your negligence, carelessness, misconduct, or
failure to use or maintain appropriate security measures.If you become aware of any suspicious or unauthorized conduct concerning your accounts,
user names, logins, and passwords you agree to contact EquiTrust immediately. EquiTrust will not be liable for any loss or damage arising from
your failure to comply with this paragraph.
Products and services provided to you through the Site may involve the electronic transmission, including via any email address you provide
to us, of information that you may consider to be personal financial information or promotional and marketing information, and you consent to such transmission.
Product coverage, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way
replace or modify the definitions and information contained in your individual insurance policies from EquiTrust which are controlling.
Such product coverage and terms may vary by state and exclusions may apply.Product issue is subject to underwriting guidelines, review,
and approval.Products are not available to all persons in all states.
EquiTrust Life Insurance Company is an Illinois domiciled life insurance company with offices located in West Des Moines, Iowa and Chicago,
IL, and is a Magic Johnson Enterprises company.EquiTrust provides life insurance, annuities and services in the following states and the
District of Columbia: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois,
Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada,
New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South
Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.Not all of EquiTrust’s products are available
in every state. The information provided on this Site does not apply to nor are the insurance products and services of EquiTrust available to
residents of the state of New York.
The information contained herein is not intended to constitute tax advice. It was not written or intended to be used by any taxpayer for the
purpose of avoiding tax penalties that may be imposed on the taxpayer, and cannot be used by any taxpayer for that purpose. You should seek advice
on matters related to taxes specific to your situation from an independent tax advisor.
This material is not intended to provide investment advice to you or to your specific situation.EquiTrust does not offer investment advice to
any individual and this material should not be construed as investment advice.
Any software that is made available to download from this Site is the copyrighted work of EquiTrust and/or its suppliers.Use of the software
is governed by the terms of the end user license agreement, if any, which accompanies or is included with the software ("License Agreement").
You may not download or install any software that is accompanied by or includes a License Agreement unless you have read and accepted the terms
of the License Agreement. Reproduction or redistribution of the software is prohibited except as provided for in the applicable License Agreement.
You acknowledge that any software available or provided to you on this Site may contain technology that is subject to strict controls by
various agencies of the United States Government pursuant to United States export control laws and regulations.You hereby agree that you will not
transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the
United States) or re-export such software outside the United States in violation of United States export laws and regulations. EquiTrust does
not authorize the downloading or exportation of any software or technical data from this Site to any jurisdiction prohibited by the United States
export controls laws and regulations.
The rights granted to you herein terminate immediately upon any violation(as EquiTrust may determine in its sole and absolute discretion) by
you of these Terms.EquiTrust, in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this
Site at any time and for any reason whatsoever, without notice or liability. EquiTrust will not be liable to you or any third party for any termination
of your access to or use of this Site.
We understand that privacy is an important issue for visitors to the EquiTrust Life Insurance Company website.Specifically, visitors to our
website are concerned about what information is collected, how it is collected and how it is used.
Equitrust Life Insurance Company gathers information about website visitors to improve the quality of information and services offered on our
website.This information includes visitor data and voluntarily provided personal data.
We routinely gather information regarding our website’s activity, such as how many people visit our sites, the pages they visit and where they come
from.It does not contain any personal information regarding our website visitors.We gather this quantitative information through logs contained on the
servers that support our sites. This information is for our internal use only.It is not sold to any third parties.
A cookie is a small file of letters and numbers that is stored on your computer, tablet, mobile phone, or other device when you visit a website or
mobile application.Cookies contain information that is transferred to or read on you device and allow websites and mobile applications to recognize
devices and store certain information, such as user preferences.Cookies are used to distinguish you from other users of our Site.This helps EquiTrust
to provide you with a useful experience when browsing and also allows us to improve EquiTrust’s Site services.EquiTrust uses session cookies, which
link your actions during a particular session and expire at the end of that session, as well as persistent cookies, which remain on your device and
allows EquiTrust to remember your actions or preferences across multiple sessions.
If you are concerned about having cookies on your computer or other device, you can set your web browser to refuse all cookies or to indicate when
a cookie is being set, allowing you to decide whether to accept it. You can also delete cookies from your device. However, if you choose to block or
delete cookies, certain features of the Site or mobile application may not operate correctly.
If you are an EquiTrust client who has registered secure online access, EquiTrust is able to combine the information we collect about your usage
of EquiTrust’s website or mobile application during a secure (logged-on) session with other information EquiTrust knows about you.We can also identify
your computer or device on each online visit to EquiTrust, even if you do not log on, and link information about the visit to you.
Although the Site does not currently respond to “do not track” browser headers, you can limit tracking by taking the steps discussed above.
Through voluntary responses on the EquiTrust Life Insurance Company website and email links found on our site, we collect various types of personal
information from visitors.This information is collected only when visitors voluntarily provide it.The following are examples of categories of personally
identifiable information that may be voluntarily provided and which we may collect: name, email address, phone number, EquiTrust Contract/Policy number,
social security number or taxpayer ID Number.
We may share your information with our affiliates to assist us in providing service for your products or accounts. This may include sharing information
about your account history or experience with us.We may also share some of the information we obtain about you with certain business partners, such as:
We require our business partners to protect customers’ personal information and to limit their use of information shared to the purpose for which it was shared.
We may also disclose information to non-affiliated third parties as permitted or required by law, including in response to a subpoena, to prevent fraud,
to comply with inquiries from government agencies or other regulators, or in order to process a transaction you request or authorize We may also disclose
information to authenticate your identity.
We maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your personal information.
Our internal procedures limit access to customer information, and those individuals permitted access are required to protect customer information and to keep it confidential.
EquiTrust’s website may include links to third-party sites or information that we think may be of interest to you.When you click these
Except to the extent otherwise set forth in the Terms, the Terms set forth the entire understanding between EquiTrust and you with respect to your access to, and use of,
the Site and its content and supersedes all prior or contemporaneous understandings regarding access and use.
If any portion of the Terms is found to be unenforceable, the remaining sections of the Terms will remain in effect.
Failure by EquiTrust, in any instance, to exercise any of its rights under the Terms will not constitute waiver of such right or any other rights under the Terms.
© 2001-2022 EquiTrust Life Insurance Company.All rights reserved.
You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content
available on or through the Site for commercial or public purposes, without the prior written permission of EquiTrust.
Effective September 12, 2012Last Updated August 10, 2018
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