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Privacy Policy

Terms & Conditions

Privacy Policy

Last updated: January 6, 2016

This Privacy Policy describes how we collect, use and share information when you use our Services. The terms "we," "us," or "our" mean American Income Life Insurance Company, Globe Life Family Heritage Division, Globe Life And Accident Insurance Company, Globe Life Liberty National Division, United American Insurance Company, Globe Life Insurance Company of New York, and National Income Life Insurance Company.. The term "Services," means, collectively, various websites, applications, widgets, email notifications and other mediums, or portions of such mediums, through which you have accessed this Privacy Policy. By accessing or using our Services, you consent to the collection, transfer, manipulation, storage, disclosure and other uses of Your Information (collectively, "Use of Your Information") as described in this Privacy Policy.

For purposes of this Privacy Policy, "Your Information" means information about you, which may be of a confidential nature and may include personally identifying information, medical and health history information, and/or financial information.

This Privacy Policy applies to our Use of Your Information as a result of you using our Services, and does not apply to the following:

Information collected through mediums other than our Services;
Information collected through our Services where a separate privacy policy applies, such as a sweepstakes entry (you should refer to the official rules and privacy policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to sweepstakes entry); or
Information collected by any person or entity other than us, even if related to our Services (such as a third-party website, application, widget or lead form).

In addition to this Privacy Policy, our Services are also governed by our Terms of Use and any other documents referred to in this Privacy Policy and our Terms and Conditions. These documents describe information that we collect from you or that you provide on or to the Services and how Your Information may be used and disclosed by us. They also describe the choices available to you regarding our Use of Your Information and how you can access and update Your Information. Please read this Privacy Policy and the Terms and Conditions carefully.

Information We Collect and Receive About You

We might receive or collect several types of information about you, such as the information described below.

Information You Provide

The following are situations in which you may provide Your Information to us:

When you fill out forms or fields through our Services;
When you sign up for any newsletters or other materials through our Services;
When you provide information to us through a third-party application, service or website;
When you communicate with us or request information about us or our Services, whether via email or other means;
When you participate in online surveys;
When you participate in any of our marketing initiatives, including, contests, events, or promotions; and
When you participate in forums or provide user generated content or submissions.

Information Third Parties Provide

We may collect information about you from sources other than you, such as from social media websites (i.e., Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.

General Use and Preference Information

We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences.

Device Information

When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.

Location Information

If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device’s GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties.

Phone Numbers

We may collect your phone number in several ways. For example, we may collect your phone number: (i) if you submit your phone number to us through our Services; (ii) by capturing your phone number if you call us; or (iii) if a third party provides your phone number to us.

Non-Personally Identifiable Information

We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.

Cookies and Anonymous Identifiers

We and third parties use various technologies to collect and store information when you use our Services, including sending cookies, pixel tags or other anonymous identifiers to your device. "Cookies" are pieces of data stored on your computer, mobile phone or other device. A "pixel tag" is a type of technology placed within a website or email for the purpose of tracking activity, which is often used in combination with cookies. Other "anonymous identifiers" are random strings of characters used for the same purposes as cookies, such as with mobile devices where cookie technology is not available. These technologies help us know that you are logged on, provide you with features based on your preferences, understand when you are interacting with our Services, and compile other information regarding use of our Services.

The information collected through these technologies, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information (i.e., information that can identify you). If this happens, we will treat the combined information as personally identifiable information.

Please note that, in most cases, you can remove or block cookies (such as by using the settings in your browser), but doing so may affect your ability to use our Services.

The use of tracking technologies by our service providers, technology partners or other third party assets (such as social media) on the Services is not covered by our Privacy Policy. These third parties may use cookies, clear gifs, images, and scripts to help them better manage their content on our Services. We do not have access or control over these technologies.

How We Use Information

We may make Use of Your Information for various lawful business purposes. Among others, these purposes may include using Your Information to:

Engage in customer support. For example, we might confirm and complete transactions requested by you, verify information you provide to us and provide you with administrative notices.
Contact you and provide you with information. For example, we might provide or contact you through telephone, email, postal or other communications with Service updates, promotional materials, surveys, offers, quotes, personalized information and other information from us or our business partners.
Analyze, improve and manage our Services and operations. For example, we might obtain feedback regarding our Services, understand and anticipate your needs and preferences, better understand your use of our Services, customize and tailor Service content and advertising, improve our marketing and promotional efforts, engage in statistical analysis and provide feedback to our vendors, advertisers and other third parties.
Resolve problems and disputes, and engage in other legal and security matters. For example, we may use Your Information to comply with, monitor compliance with and enforce this Privacy Policy, our Terms and Conditions and any other applicable agreements and policies, meet other legal and regulatory requirements, and to protect the security and integrity of our Services.

How We Disclose Information

General Disclosure of Your Information

We may disclose Your Information:

To any person who, in our reasonable judgment, is authorized to receive Your Information as your agent, including as a result of your business dealings with that person (for example, your attorney);
To our third-party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data verification, data storage, surveys, research, internal marketing, delivery of promotional, marketing and transaction materials, and our Services’ maintenance and security. These companies are authorized to Use Your Information only as necessary to provide these services to us and are contractually obligated to keep Your Information confidential;
To third parties when you engage in certain activities through our Services that are sponsored by them, such as purchasing products or services offered by a third party, electing to receive information or communications from a third party, or electing to participate in contests, sweepstakes, games or other programs sponsored, in whole or in part, by a third party. When we disclose Your Information to these third parties, Your Information will become subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of Your Information;
To third parties that are interested in contacting you or providing offers to you that may be related to our Services or about products or services you may find of interest;
As required by law or ordered by a court, regulatory, or administrative agency;
As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another’s rights or property, including, without limitation, our rights or property;
If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
To enforce our Terms and Conditions, this Privacy Policy, and any other applicable agreements and policies;
To enforce or protect our rights;
In connection with a Business Transfer, as defined below (see Business Transfers, below); and
To our affiliated companies (i.e., companies under common control or management with us).

If you do not want Your Information shared as described above, then you should not provide us with Your Information.

Aggregation and De-Personalization

We may take Your Information and de-identify it either by combining it with information about other individuals (aggregating Your Information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information). We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.

Sharing with Friends

If the Services contains any functionality allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy. We do not store your friends email address in our database. Your friend will receive a one-time message notifying them of the shared content.

Sweepstakes

If you are submitting information to us pursuant to a sweepstakes entry, we reserve the right to share, loan, rent, sell or otherwise disclose the information that you submit with third parties at any time, for any lawful purpose without notice or compensation to you. Participation in these sweepstakes is completely voluntary and you therefore have a choice whether or not to disclose Your Information. Please refer to the official rules and privacy policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to that sweepstakes entry.

Circumvention of Security Measures

We cannot ensure that Your Information will only be disclosed as described in this Privacy Policy. No method of transmission or method of electronic storage, is 100% secure, and we cannot guarantee absolute security. Additionally, by way of example (without limiting the foregoing), we may be forced to disclose Your Information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. Therefore, notwithstanding anything to the contrary within this Privacy Policy, our Terms of Use or any other applicable agreement or policy, you use our Services at your own risk and we do not promise or guarantee, and you should not expect, that Your Information will always remain private. In the event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate Your information.

Business Transfers

We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer Your Information collected through our Services, and any of our databases, together with any personally identifiable information contained in such databases, to third parties in connection with a Business Transfer. A "Business Transfer" means a share or asset sale, acquisition, merger, consolidation, reorganization, spin-off, bankruptcy or other corporate change involving us and/or our affiliates, even if the Business Transfer is only being contemplated and regardless of whether the Business Transfer relates to a part or a whole of our business. Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including our Services) to an affiliate or independent third party at any time, for any lawful purpose, without compensation to you.

Children’s Information

You must be at least 13 years of age to register with or use certain portions of the Services. The Services are not intended for children under 13 years of age. No one under 13 years of age may provide any personal information to or on the Services. We do not knowingly collect personal information from children under 13. If you believe that we may have any information from or about a child, please contact us by clicking here.

Network Advertising

From time to time, we may participate in or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer’s specific interests. This practice is often referred to as "online behavioral advertising." For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of a website, the location of your Internet service provider’s presence, the date and time of a visit to a website and other interactions between you and a website. Please see the "Online Behavioral Advertising" subsection of Choices About How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.

User Generated Content

We offer publicly accessible blogs and other interactive media through our Services. To request removal of Your Information from our blog or community forum, contact us by clicking here. In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.

Some comment areas are managed by a third party application that may require you to register to post a comment. We do not have access or control of the information posted to the blog. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party application uses your information, please review their privacy policy.

You are responsible for any content, including personal information, that you contribute to be published or displayed ("posted") on our Services, or that you transmit to other users of our Services (collectively, "User Generated Content"). Your User Generated Content is posted on and transmitted to other users of our Services at your own risk. We cannot control the actions of other users of our Services with whom you may choose to share your User Generated Content. We are not responsible for circumvention of any privacy settings or security measures of our Services. As a result, we cannot and do not guarantee that your User Generated Content will not be viewed by unauthorized persons. You understand and acknowledge that, even after removal, copies of your User Generated Content may remain viewable in cached and archived pages, or might have been copied or stored by other Service users. Proper access and use of information provided through our Services, including User Generated Content, is governed by our Terms and Conditions

Social Media Widgets

Our Services may include social media features, such as the Facebook Like button or interactive mini-programs that run on our Services. These features may collect your IP address, which page you are visiting, and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the third party providing it.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. Below are some mechanisms that provide you with control over certain information:

Cookies. If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Services may then be inaccessible or may not function properly.
Email Offers from Us. If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.
Accessing and Correcting Personal Information. If a portion of our Services allows you to create an account with us, then you can review and update Your Information by logging into that portion of our Services, visiting your account profile page and making changes. We will retain Your Information for as long as your account is active or as needed to provide you services and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Online Behavioral Advertising. Certain third-party advertising networks that deliver behavioral advertising are members of the Network Advertising Initiative ("NAI"). You can prevent NAI member companies from collecting preference data about you by clicking here and following the NAI’s directions. Note that if you opt out through the NAI, you will still receive advertising. In addition, if you opt out through the NAI and later delete your cookies, use a different browser or buy a new computer, you will need to renew your opt out choice.

Information You Disclose to Third Parties

You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with our Services. All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Links to Third-Party Websites

Our Services, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to apply for a product such as a credit card through our Services, you may be linked to a third-party website to complete an application. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, applications, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties. These third-parties may send their own cookies to you and independently collect data. If you visit or access a third-party website, application or other property that is linked or accessed from our Services, we encourage you to read any privacy statements and terms and conditions of that third party before providing any personally identifiable information. If you have a question about the terms and conditions, privacy policy, practices or contents of a third party, please contact the third party directly.

Third Party Widgets and Plug-ins

Our Services include social media features, such as the Facebook Like button, links to our various social media pages and widgets, such as the Share this button or interactive mini-programs that run on our Services. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly through our Services. Your interactions with these features are governed by the privacy policy of the company providing it.

Operation of our Services in the United States

Our Services are operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.

Changes to this Privacy Policy

We reserve the right to update, amend and/or change this Privacy Policy at any time in our sole discretion. Amendments will take effect immediately upon us posting the updated Privacy Policy on our Services. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.

Contacting Us

If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us by clicking here.

Special Notification for California Residents—Your California Privacy Rights

Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at CS@Globelifeins.com or in writing at:

Legal Dept: Privacy Office
Privacy Policy,
P. O. Box 268850, Oklahoma City, OK 73126-8850

California privacy rights requests must include the reference "Request for California Privacy Information" on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.

Terms and Conditions

IMPORTANT: Please read the terms and conditions set forth below carefully before using this site or any of the programs, content or material available through this site. Use of this site is expressly conditioned on your acceptance of the following terms and conditions. By using this site or any of the programs, content or material available through the site, you signify your assent to and acceptance of these terms and conditions. If you do not agree with any part of the terms and conditions set forth below, you must not use this site or any portion thereof.

Who We Are

This site is part of the Globe Life Family of Companies, which includes Globe Life And Accident Insurance, American Income Life Insurance, Globe Life Family Heritage Division, Globe Life Liberty National Division, Globe Life of New York, United American Insurance, and National Income Life Insurance Company.

Services Offered

Our Site is designed to offer visitors and users information regarding a variety of insurance products. The services available on this Site are designed to be completed upon the User providing required information, unless otherwise specified.

Customer Complaints

Users who have complaints regarding the Site may address such concerns in writing, via e-mail or traditional mail to the contact listed below.

Users may also call 972-540-6542 between the hours of 8 AM and 4:30 PM Central Time.

Dispute Resolution

Users agree to have any unresolved claim or dispute against Globe Life or its affiliates resolved through arbitration as set forth below after first submitting the claim or dispute to mandatory non-binding mediation. The User agrees to attempt to resolve any claim or dispute through non-binding mediation before a mediator mutually agreeable to the parties and that the forum for any mediation hearing will be Dallas, Texas. The parties will each bear their respective costs of mediation.

If a claim or dispute is not resolved as a result of mediation, the User agrees to have any unresolved claim or dispute against Globe Life or its affiliates whether related to this agreement or otherwise, and any claim or dispute related to this agreement or the relationship or duties contemplated under this agreement, including the validity of this arbitration clause, resolved by binding arbitration by the National Arbitration Forum, under the Code of Procedure then in effect. The User agrees that the forum for any such arbitration proceeding shall be held in Dallas, Texas. Any award of the arbitrator(s) may be entered as a judgment in any court of competent jurisdiction. Information may be obtained and claims may be filed at any office of the National Arbitration Forum or at P.O. Box 50191, Minneapolis, MN 55405. This agreement shall be interpreted under the Federal Arbitration Act.

Please note that disputes regarding Globe Life or its affiliates may need to be resolved through the National Association of Securities Dealers in accordance with their arbitration procedures.

Ownership

The Site, each of its components, and the content, programs and materials provided thereby, are the copyrighted property of Globe Life, the appropriate Globe Life affiliate or its affiliated entities. None of the content, programs, materials or data found on the Site may be modified, reproduced, republished, distributed, sold, or transferred without the express written consent of Globe Life, the appropriate Globe Life affiliate or the applicable third-party provider. The trademarks and service marks ("Marks") displayed on this Site are the property of Globe Life unless specifically indicated otherwise. Users are prohibited from using any Mark without the prior written consent of Globe Life or the Globe Life affiliate owning the Mark. Nothing contained on this Site is intended or should be construed to grant by implication, estoppel, or otherwise, any license to use any of the Marks without the express written consent of Globe Life or the Globe Life affiliate owning the mark.

Use

This Site, each of its components, and the content, programs, materials and information on the Site are intended for your personal use. You are prohibited from using them for commercial purposes without our prior written consent. This Site, and the content provided on this Site, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed without the prior written consent of Globe Life. Unauthorized use of this Site or the materials contained on this Site may violate applicable intellectual property or other laws. You are prohibited from posting on or transmitting to or through the Site any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law.

Privacy

Please see our privacy policy regarding our collection, retention, and use of information.

Age and Responsibility

You represent that you are of legal age and competency to use this Site and to create binding legal obligations for any liability you incur as a result of using this Site. You understand and acknowledge that you are financially and otherwise responsible for any use of this Site by you and anyone using your login information.

Investment and Insurance Information

Information available through this site is not intended to be used as the sole basis for any investment or insurance decision, nor should it be construed as advice designed to meet the particular needs of an individual purchaser of insurance. Please seek the advice of a financial or other professional, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

Exclusion of Warranty

GLOBE LIFE, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS MAKE NO WARRANTIES OF ANY KIND REGARDING THIS SITE OR THE CONTENT, PROGRAMS, OR MATERIAL PROVIDED ON THIS SITE, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. GLOBE LIFE, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY, OR AVAILABILITY OF ANY OF THE CONTENT, PROGRAMS, MATERIAL, OR DATA FOUND ON THIS SITE AND SUCH PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY SUCH WARRANTIES OR CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING EXCLUSION AND DISCLAIMER MAY NOT APPLY TO YOU.

Limitation of Liability

GLOBE LIFE, ITS AFFILIATED ENTITIES, AND THIRD-PARTY PROVIDERS, WILL NOT BE RESPONSIBLE, AND WILL NOT BE LIABLE, FOR ANY DAMAGES TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ARISING FROM YOUR USE OF, BROWSING IN OR DOWNLOADING OF ANY CONTENT, PROGRAMS, MATERIALS, DATA, TEXT, IMAGES, AUDIO, OR VIDEO FROM THE SITE. IN NO EVENT WILL GLOBE LIFE, AFFILIATED ENTITIES, OR APPLICABLE THIRD-PARTY PROVIDERS BE LIABLE FOR ANY INJURY, LOSS, DAMAGE OR CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, ARISING FROM OR IN ANY WAY CONNECTED WITH (A) ANY USE OF THIS SITE, OR CONTENT, PROGRAMS OR MATERIALS PROVIDED THROUGH THIS SITE, (B) ANY FAILURE, DELAY, OR UNAVAILABILITY (INCLUDING, BUT NOT LIMITED TO THE USE OF OR INABILITY TO USE OR ACCESS ANY CONTENT, PROGRAMS, MATERIAL, OR DATA PROVIDED ON THE SITE), (C) THE PERFORMANCE OR NON-PERFORMANCE OF GLOBE LIFE, ITS AFFILIATED ENTITIES OR APPLICABLE THIRD-PARTY PROVIDERS, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY, (D) YOUR DISCLOSURE OF YOUR PASSWORD TO, OR USE OF YOUR PASSWORD BY, ANY THIRD PARTY, OR (E) ANY ACCESS TO, OR USE OF, YOUR INFORMATION BY AN UNAUTHORIZED PERSON OR UNAUTHORIZED PERSONS. SOME STATES DO NOT ALLOW LIMITATION OF LIABILITY, SO THE FOREGOING LIMITATION MAY NOT APPLY TO YOU.

Links to Other Sites

This Site contains links to other Web sites, which are provided as a convenience to you and not as an endorsement by Globe Life, its affiliates or third-party providers of the contents of such Web sites. Globe Life, its affiliates and third-party providers will not be responsible for the content of any other Web site and make no representation or warranty regarding any other Web site or the contents or materials on such sites. If you decide to access other Web sites, you do so at your own risk.

Indemnification

You will indemnify and hold harmless Globe Life, its affiliated entities, any third-party providers, and their respective officers, directors, employees, and agents from and against any claim, damages, cause of action or demand, including, but not limited to, reasonable legal, accounting, and other professional fees, brought by or on your behalf or by third parties as a result of your use of the Site, or any content, programs (including, but not limited to, the tax calculation program) or materials provided through the Site.

Modification

Globe Life may at any time modify these terms and conditions in whole or in part and your continued use of the Site, or any content, programs or materials provided through the Site, will be subject in all respects to the terms and conditions in force at the time of such use.

Assignment

You may not assign, convey, subcontract, or delegate your rights, duties, or obligations hereunder. Globe Life may, at any time, assign, convey, transfer, delegate, or subcontract any or all of its rights or obligations without prior notice.

Severability

These terms and conditions will be deemed severable so that if any provision is determined to be unenforceable or invalid, such provision will nonetheless be enforced to the fullest extent permitted by applicable law, and such determination will not affect the validity or enforceability of any other remaining provision.

Headings

The headings used in these terms and conditions are included for convenience only and will not limit or affect in any way these terms and conditions.

Entire Agreement

These terms and conditions, together with those incorporated or referred to herein, constitute the entire agreement between us relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, any may not be amended or modified except in writing or by making such amendments or modifications available on this Site.

You are encouraged to visit these Terms and Conditions and our Privacy Statement from time to time to review any updates and changes.

Choice of Law

These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Texas, without giving effect to its conflict of laws provisions or your actual state or country of residence.

Contact Information

Globe Life And Accident Insurance Company is available Monday through Friday, 8 AM through 4:30 PM Central Time. You may reach us at:

Globe Life And Accident Insurance Company
Globe Life Center
Oklahoma City, OK 73184
E-mail Customer Service.