Terms & Conditions

Terms and Conditions

All Information ("Content") provided by Lumico Life Insurance Company on the World Wide Web of the Internet ("its web sites") is owned by or licensed to Lumico Life Insurance Company and/or its affiliates (collectively "Lumico Life Insurance Company"). By accessing and using any of the Lumico Life Insurance web sites you represent that you are 16 years or older and understand that through such access and usage you are legally bound by these Terms and Conditions.

Lumico Life Insurance Company retains all proprietary rights to Lumico Life Insurance Company information. All unauthorized use of the information (including e-mail addresses) contained on these sites is strictly prohibited without prior written permission from Lumico Life Insurance Company.

Lumico Life Insurance Company does, however, authorize you to copy documents published on our sites for noncommercial, personal use. In consideration of this authorization, you agree that any copy of these documents that you make shall retain all copyright and other proprietary notices contained herein.

Each individual document published by Lumico Life Insurance Company on our web sites may contain other proprietary notices and copyright information relating to that individual document. Likewise, any product, process, or technology, contained in individual documents on our web sites may be the subject of other intellectual property rights reserved by Lumico Life Insurance Company, and may not be licensed hereunder.

All trade names, trademarks, service marks, images and logos on Lumico Life Insurance Company owned web sites are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Any unauthorized use of Lumico Life Insurance Company owned marks or graphics is strictly prohibited.

You may not, nor may you allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify any Lumico Life Insurance Company owned web site or content. Likewise, you may not, nor may you allow others to, directly, or indirectly, collect or attempt to collect any information about our customers, including passwords, account or other data.

Users may through hypertext or other computer links gain access to other sites on the Internet which are not part of Lumico Life Insurance Company's web sites. Lumico Life Insurance Company assumes no responsibility for any material outside of Lumico Life Insurance Company's web sites that may be accessed through any such "link".


The material on our sites is provided as is. This means that Lumico Life Insurance Company disclaims all express and implied warranties about the material in the sites. This includes, but is not limited to, warranties that: (1) the material is of any particular level of quality or is fit for a particular purpose; (2) the functional elements contained in the materials will be uninterrupted or error-free; (3) defects will be corrected; (4) our sites, or the servers that make them available are free of computer viruses or other harmful components or conditions; or (5) information contained in the sites is accurate as of any particular date.

Lumico Life Insurance Company will not be responsible for any damages or injuries that accompany or result from your use of its sites. These include (but are not limited to) damages or injury caused by any: (1) Use of (or inability to use) the sites; (2) Use of (or inability to use) any site to which you hyperlink from our sites; (3) Failure of performance; (4) Error; (5) Omission; (6) Interruption; (7) Defect; (8) Delay in operation or transmission; (9) Computer virus; or (10) Line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages -- or both.

However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply and you may have the right to recover these types of damages, in any event, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.

By providing material on our Web site Lumico Life Insurance Company does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. Lumico Life Insurance Company is entitled to terminate all or part of any of its Web sites at any time, without notice to you.


Unless otherwise specified, the materials in our site are presented to provide information about Lumico Life Insurance Company, our insurance products and the insurance business. Lumico Life Insurance Company operates and controls its site from the Company's home office in Armonk, NY, in the United States of America, and New York law shall govern and control any action concerning the Lumico Life Insurance Company sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction.


These Terms and Conditions, and the agreement they create, shall be governed by and interpreted according to the laws of the State of New York, without giving effect to New York's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

Lumico Life Insurance Company may modify these Terms and Conditions, and the agreement they create, at any time, simply by updating this posting or the information on its Web sites and without notice to you.

This is the entire agreement regarding all the matters that have been discussed in the preceding paragraphs.

If you have any questions or comments regarding our Terms and Conditions please contact: Lumico Life Insurance Company, P.O. Box 83303, Lincoln, NE 68501-3303.