The Company recognizes that e-mail can be the preferred mode of communication for some of its customers. Either at the time of a policy purchase, during your registration on this Site or your election to participate in electronic document delivery or to transact business electronically with The Company, you provided your e-mail address to The Company. The Company may use, and you hereby permit The Company to use, this e-mail address for the following:

  • Service notifications related to your account(s) or policy(ies);
  • Regularly scheduled e-mail newsletters;
  • Products or services you have purchased;
  • Optional e-mail communications which you have signed up for (e.g., newsletters on a selected financial topic);
  • Occasional updates about products and services as well as marketing offers.

Also, once you have requested information from The Company via e-mail, The Company may communicate with you via e-mail regarding your request to provide additional information related to your initial information request. However, The Company will never ask you to send personal information such as account or Social Security numbers by non-secure e-mail. The Company may require certain e-mail communications to be conducted through secure or encrypted e-mail. If The Company sends you an advertisement via e-mail, it will include instructions on how to opt-out of receiving such e-mail advertisements in the future. If you elect to opt-out of receiving e-mail advertisements, The Company will continue to send you non-advertisement e-mails as stated above. It is your responsibility to maintain accurate records with The Company and to update your e-mail address if it changes.

Additionally, certain portions of this Site may offer you the ability to e-mail a message to The Company even if you have not elected to participate in electronic document delivery or to transact business electronically with The Company. E-mail functionality, if any, is provided to you to facilitate communications between you and The Company. You agree, however, that you will not use e-mail to request, authorize, or affect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or The Company's policies and procedures. Any such requests, orders, or instructions that you send to The Company by e-mail will not be accepted or processed by The Company. The Company shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions. Moreover, The Company shall have no liability for any loss or damage that result from interception and/or unauthorized use by third parties of any information you send by e-mail.

Electronic Transactions

In the event this Site permits you to view, change information and make investment sub-account exchanges on your account and receive other information or services related to a contract or policy issued by The Company through electronic transmission via a compatible personal computer and a secure web browser, access to such services requires an electronic identification that consists of a user name, password, or other security measures that we may require. By obtaining Access Codes, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions to The Company and that your identity as an authorized user of our online services is determined solely by your Access Codes. You acknowledge that you are responsible for the safekeeping of your Access Codes and The Company is unable, and under no obligation, to confirm the identity or authority of any user of our online services.


This Site does not intend to market any products or services to children under thirteen (13) years of age. The Company does not knowingly gather or solicit data from children under thirteen (13) years of age through this Site for marketing purposes. By using this Site you represent that you are not under thirteen (13) years of age.

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