CONDITIONS OF USE - By using this site, you signify your agreement to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site. Bankers Life and Casualty Company ("We" or "Us") may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

DISCLAIMER - The materials on this Website are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Neither We nor any affiliate warrants that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components. Neither We nor any affiliate warrants or makes any representations regarding the use or the results of the use of the materials on this Website in terms of their correctness, accuracy, reliability, or otherwise. You assume the entire cost of all necessary servicing, repair, or correction. Links to other sites may be accessed through this Website. Such external Internet addresses contain information created, published, maintained or otherwise posted by independent organizations. Neither We nor any affiliate endorses, approves or certifies any information, product or service referenced or provided at such addresses.

LIMITATION OF LIABILITY - While We use reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions may occur. Neither We nor any affiliate makes any warranties or representations as to the accuracy of this Website. Under no circumstances including, but not limited to, negligence by act or omission, shall We, any affiliate of ours, or any party involved in creating, producing, or delivering this Website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if We, an affiliate or an authorized representative have been advised of the possibility of such damages. If applicable law does not allow the limitation or exclusion of liability for incidental or consequential damages, the above limitation or exclusion may not apply to you. In no event shall our total liability to you, together with that of any affiliate, for all damages, losses, and causes of action exceed the amount you paid to access this Website.

Neither We nor any affiliate assumes responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing this Website or your downloading of any materials, data, text, images, video, or audio from this Website.

RESTRICTIONS ON USE OF MATERIALS - This site is owned and operated by Bankers Life and Casualty Company, an affiliate of Colonial Penn Life Insurance Company. Permission is granted to display and navigate around this Website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this Website or any portion hereof is strictly prohibited.

Except as otherwise permitted by Us, no materials from this Website or any Website owned, operated, licensed or controlled by Us or any of our affiliates may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on this Website for non-commercial, personal use 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 Website for public or commercial purposes, including the text, images, audio and video, without our written permission. Neither We nor any affiliate warrants or represents that your use of materials displayed on this Website will not infringe rights of third parties.

JURISDICTIONAL ISSUES - This Website is controlled and operated by Us from our offices within the State of Illinois, United States of America. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

The information contained on this Website is not an offer to sell or solicitation to purchase any product or service. Some products may not be available in all states. The insurance products referred to on this Website may be offered and sold only to persons in the United States.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS - Images displayed on this Website are either the property of, or used with permission by, Bankers Life and Casualty Company, Colonial Penn Life Insurance Company, or an affiliate. 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.

All trademarks, service marks, trade names, logos and icons used by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company, or any affiliate are proprietary. Many are registered to Us or an affiliate. We and our affiliates are very protective of our trademarks and service marks. All use of these marks must be with our permission. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Website without the written permission of Us, our affiliate or such third party that may own the trademarks or service marks displayed on this Website. Your use of the trademarks or service marks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we would be entitled to collect your profits, our actual damages and, perhaps, even our attorney fees. We thank you for your cooperation. Inquiries concerning use of the trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property appearing on this Website should be addressed to Bankers Life and Casualty Company, Legal Department (J1J), 11825 N. Pennsylvania Street, Carmel, Indiana 46032, United States of America.

Any communications or material you transmit to this Website by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of Bankers Life and Casualty Company. Such communications or material shall be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Bankers Life and Casualty Company is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Website for any purpose whatsoever including, but not limited to, developing and marketing products using such information.

COMMUNICATIONS TO THIS WEBSITE - Any communications or material you transmit to this Website by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of Bankers Life and Casualty Company. Such communications or material may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, We are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Website for any purpose whatsoever including, but not limited to, developing and marketing products using such information.

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 Copyright © 2012, Colonial Penn Life Insurance Company. All rights reserved.