Terms | My Washington National

Introduction

CNO Services, LLC (“COMPANY,” “We,” “Our” or Us”) is the operator of my.bankerslife.com, my.washingtonnational.com, and MICROSITE websites (“Site” or “Sites”). As used herein, the terms “you” and “your” means the person that registers on, accesses, and/or uses the Site.

Acceptance of Terms and Conditions; Use of Site

By accessing and/or using the Site, you signify your agreement to the following Terms and Conditions of use without limitation or qualification. Please read these Terms and Conditions carefully before using the Site. COMPANY may at any time revise these Terms and Conditions. Therefore, you should review these Terms and Conditions for changes from time to time. All changes are effective immediately when we post then, and apply to all access to and use of the Sites thereafter. If you use the Site after any revisions are made, you agree to be bound by any such revisions. If you do not agree to be bound by these Terms and Conditions, you are not authorized to use the Site and should exit the Site immediately.

Other websites owned or operated by COMPANY may have different terms and conditions, so you should review them carefully before using such other websites. Further, these Terms and Conditions do not apply to any goods or services sold or provided by COMPANY or any affiliate. Any products or services sold or provided by COMPANY or any affiliate will have their own terms and conditions and should not be confused with these Terms and Conditions. These Terms and Conditions ONLY APPLY TO YOUR USE OF THE SITE.

Your use of the Site and any services or products provided therein is conditioned upon your compliance with and acceptance of these TERMS AND CONDITIONS.

Accessing the Website and Account Security

We reserve the right to withdraw or amend the Sites, and any service or material we provide on the Sites, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Sites are unavailable at any time for any period. From time to time, we may restrict access to some parts of the Sites, or the entire Site, to users, including registered users.

You are responsible for both:

• Making all arrangements necessary for you to have access to the Sites.

• Ensuring that all persons who access the Sites through your internet connection are aware of these Terms and Conditions and comply with them.

To access the Sites or some of the resources they offer, you may be asked to provide certain registration details or other information. It is a condition of your use of the Sites that all the information you provide on the Sites is true, correct, current, and complete. If you provide any untrue, inaccurate or incomplete information, or We have reason to believe the information provided is untrue, inaccurate or incomplete, We may suspend or terminate your account at any time without notice and may further prevent future use by you of the Sites. If you attempt to, or successfully access, use, provide or share any information that is not yours or that you are not authorized to access, use, provide or share, We may suspend or terminate your account and you may further be subject to civil and criminal actions and/or penalties. You agree that all information you provide to register with these Sites or otherwise, including, but not limited to, through the use of any interactive features on the Site, is governed by our Privacy Policy, and you consent to all actions We take with respect to your information consistent with our Privacy Policy. Please access our Privacy Policy for Bankers Life here and for Washington National here.

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to these Sites or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if in our opinion, you have violated any provision of these Terms and Conditions.

Reliance on Site

The content on the Site is provided for informational purposes only. Nothing on the Site is meant to convey tax, investment, accounting, financial or legal advice, or an offer to sell or buy a product or service. Any account information that may be available through the Site is only meant to provide you with a summary of your account, yet it is not the official record of your account.

Disclaimer

YOUR USE OF THE SITE IS AT YOUR OWN RISK. THE SITE (INCLUDING ANY GOODS, SERVICES OR INFORMATION SOLD OR PROVIDED THROUGH THE SITE) IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND (EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE) INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. NEITHER COMPANY NOR ANY AFFILIATE WARRANTS THAT THE FUNCTIONS OR CONTENT OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER COMPANY NOR ANY AFFILIATE WARRANTS OR MAKES ANY REPRESENTATIONS THAT THE SITE IS CORRECT, TIMELY, ACCURATE, RELIABLE, OR SECURE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT YOU EXPERIENCE ANY LOSS OR DAMAGE ARISING FROM YOUR USE OF THE SITE. COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE SITE WILL NOT INFRINGE THE RIGHTS OF OTHER PARTIES AND ASSUMES NO LIABILITY FOR SUCH INFRINGEMENT.

COMPANY may use a third-party to complete a transaction requested by you. COMPANY and the third-party will endeavor to use its best efforts to process all transactions in conformance with the information provided by you. Neither COMPANY nor the third-party shall have any liability for incomplete or erroneous transactions caused by your provision of inaccurate information, your lack of sufficient funds or credit, by misuse of your password or for circumstances not subject to the COMPANY’S or third-party’s control. You agree that if this transaction is unable to be completed for any reason whatsoever COMPANY is released from any and all liability of whatever nature, including with respect to any forfeiture of insurance arising out of the nonpayment. COMPANY and the third-party reserve the right not to process any transaction which COMPANY or business partner, in their sole discretion, believe may be erroneous, unauthorized or otherwise invalid.

Your use of this Site is with the understanding that COMPANY may provide and transmit your information to a third-party, associate or business partner to complete the processing of your transaction request. Except to the extent necessary to process a transaction, COMPANY endeavors to use is best efforts to maintain the confidentiality of all information provided by you.

Links to Other Websites

The Site may contain web links to other sites not affiliated with COMPANY. Such linked sites may contain information created, published, maintained or otherwise posted by independent organizations. Neither COMPANY nor any affiliate endorses, recommends, approves or certifies any information, product or service referenced or provided at such linked sites. The linked sites are not meant to suggest an implied association with COMPANY. COMPANY is in no way responsible for the content at the linked sites. You access those linked sites at your own risk. Your use of third-party websites or materials are subject to the terms and conditions, and privacy policies applicable to such third-party websites.

Right to Monitor

Although COMPANY does not actively monitor the use of this SITE or other COMPANY websites under normal circumstances, nor does the COMPANY exercise editorial control over the content of any third party’s website, electronic mail transmission, news group, or other material created or accessible over or through COMPANY websites , it reserves the right to do so. COMPANY reserves the right to remove any materials that, in COMPANY’s sole discretion, may be illegal, may subject COMPANY to liability, may violate these TERMS AND CONDITIONS, or are, in the sole discretion of COMPANY, inconsistent with COMPANY’s purpose for this website.

Fraud Prevention Provision

COMPANY works with service providers to help Us verify the identity of individuals who interact with Us for fraud prevention purposes. You authorize your wireless operator (AT&T; Sprint; T-Mobile; US Cellular; Verizon; or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type; customer role, billing type; mobile identifiers (IMSI and IMEI) and other subscriber status and device detail, if available, to our third party service provider, solely to verify your identity and to prevent fraud for the duration of the business relationship. See our Privacy Statement for how We treat your data.

Limitation of Liability

WHILE COMPANY USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THE SITE, ERRORS OR OMISSIONS MAY OCCUR. UNDER NO CIRCUMSTANCES INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL COMPANY OR ANY AFFILIATE, OFFICER, DIRECTOR, EMPLOYEE, AGENT, LICENSOR, REPRESENTATIVE, ATTORNEY, OR BUSINESS PARTNER OF COMPANY, OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE, BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, ACTUAL, INDIRECT, PUNITIVE OR OTHER DAMAGES INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, OR EMOTIONAL DISTRESS, EVEN IF COMPANY OR ITS AFFILIATE(S) AND/OR AUTHORIZED REPRESENTATIVE(S) HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, THAT ARISE OUT OF: (1) YOUR USE OF, OR THE INABILITY TO USE, THE SITE; (2) ANY CLAIMS RELATED ERRORS ON THE SITE; OR (3) ANY OTHER MATTERS OR CLAIMS YOU MAY RAISE RELATING TO THE SITE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH CLAIMS OR RESULTING 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 that case, COMPANY liability will be limited to the fullest extent allowed under applicable law. In no event shall COMPANY’S total liability to you, together with that of any affiliate, for all damages, losses and causes of action, whether in tort, contract, or otherwise, exceed the amount you paid to access the Site. Neither COMPANY 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 the Site or your downloading of any materials, data, text, images, video or audio from the Site.

Indemnity

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS COMPANY, INCLUDING ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, REPRESENTATIVES, ATTORNEYS, AND BUSINESS PARTNERS (“INDEMNIFIED PARTIES”), FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, DEMANDS, LOSSES, LIABILITIES, JUDGMENTS, AWARDS, COSTS, AND EXPENSES, INCLUDING ATTORNEYS’ FEES, COSTS OF DEFENSE, AND DIRECT, INDIRECT, PUNITIVE, INDIVIDUAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, COMPANY OR ANY OF THE INDEMNIFIED PARTIES SUFFER IN RELATION TO, ARISING FROM, OR FOR THE PURPOSE OF AVOIDING, ANY CLAIM, DEMAND OR LAWSUIT FROM A THIRD PARTY THAT RELATES TO YOUR USE OF THE SITE, YOUR BREACH OF THESE TERMS AND CONDITIONS, OR USE OF THE SITE BY ANY PERSON USING YOUR PASSWORD.

Restrictions on Use of Site Content or Materials

The Site is not targeted towards children under 13 years of age (or under 16 years of age for California residents). By registering an account on the Site, you represent and warrant that you are (i) 18 years of age or older and (ii) have not previously been suspended or removed from the use of the Site by us. If we become aware that you are under 18, we will terminate your registration.

Permission is granted to you to display and navigate around the Site with a computer using HTML browser software solely for personal, non-commercial use. Any commercial or public use of the Site or any portion hereof is strictly prohibited. Except as otherwise permitted by COMPANY, no materials or content from the Site may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way, including being used to create derivative works. You may download material displayed on the Site 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 the Site for public or commercial purposes, including the text, images, audio and video, without COMPANY’s written permission. Neither COMPANY nor any affiliate warrants or represents that your use of materials displayed on the Site will not infringe the rights of third parties.

Other Prohibited Conduct

In connection with use of the Site, you agree not to:

• copy, translate, create derivative works of, reverse engineer, reverse assemble, disassemble, or decompile the Site, or any part thereof or otherwise attempt to discover any source code or modify the Site in any manner or form;

• publish, post, upload or otherwise transmit content that contains any virus, Trojan horses, worms, time bombs, corrupted files or other computer programming routines that are intended to damage, detrimentally interfere with the operation of the Site;

• use or knowingly permit the use of any security testing tools in order to probe, scan or attempt to penetrate or ascertain the security of the Site;

• violate any federal, state, local or international laws or regulations;

• use technology or other automated means to access, scrape or data mine the Site;

• hack into or attempt to gain unauthorized access to protected areas of the Site, or COMPANY’s or any affiliate’s computers, servers or networks;

• access information that is not yours or information that you are not authorized to access;

• act on behalf of another person without the express permission or authority to do so; or

• attempt to circumvent Site security features or protections.

The above list is not exclusive. COMPANY reserves the right to terminate your access to the Site and Site related services for any activity or behavior COMPANY deems inappropriate.

Jurisdictional and Age Issues

Even though the Site may be accessible in all U.S. states and other territories and countries, it does not mean that COMPANY or any affiliate is authorized to do business in all such jurisdictions. THE SITE IS MEANT FOR USERS 18 YEARS OF AGE AND OLDER LOCATED IN THE UNITED STATES AND CERTAIN U.S. TERRITORIES.

The Site is controlled and operated by COMPANY from Our administrative office within the State of Indiana, United States of America. We make no representation that content or materials on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations outside of the United States do so on their own initiative, at their own risk, and are responsible for compliance with local laws. The information contained on the Site is not an offer to sell or solicitation to purchase any product or service. The insurance products referred to on the Site may be offered and sold only to persons in the United States and any U.S. Territory where any COMPANY affiliate underwriting the products is licensed. By using the Site, you agree that personally identifiable information and other non-personal data about you may be transmitted to the United States.

Ownership of Site Content/Trademarks, Service Marks and Copyrights

Unless otherwise indicated in these Terms and Conditions or elsewhere, all content on the Site is owned by, or licensed with permission to, COMPANY.

Certain elements and content displayed on the Site, including, but not limited to, text, graphics, images, photographs, audio, video, color arrangements, and layouts, are copyright protected under U.S. and international copyright laws. Unless otherwise indicated, the copyrighted Site content is either the property of, or used with permission by, COMPANY or an affiliate. The use of Site content by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the Site content may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, tradenames, logos and icons used by COMPANY or any affiliate are proprietary. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Site content, including any copyrighted content, trademark or service mark displayed on the Site, without the written permission of the COMPANY, or such third party that may own the Site content displayed on the Site. Your use of the trademarks or service marks displayed on the Site, or any other Site content, except as provided herein, is strictly prohibited. Inquiries concerning use of the trademarks, service marks, trade names, logos, icons, copyrighted content or other intellectual property appearing on the Site should be addressed to COMPANY, Legal Department (J1C), 11825 N. Pennsylvania Street, Carmel, Indiana 46032, United States of America. COMPANY and its affiliates are very protective of their trademarks, service marks and other intellectual property. COMPANY and its affiliates reserve the right to file appropriate legal actions to enjoin the unauthorized use of the intellectual property of COMPANY and any affiliate. Under the law, the COMPANY and any affiliate could be entitled to collect your profits, Our actual damages and, perhaps, even Our attorney fees.

Trademark and Service Mark Notices

COMPANY and all other trademarks, service marks, trade names, and logos used by COMPANY or its affiliates or subsidiaries are registered trademarks or service marks of COMPANY and/or its affiliates or subsidiaries. We are very protective of our trademarks and service marks. If they have been not registered with the United States Patent and Trademark Office, then We will have applications pending. All of these marks must be with Our permission. 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.

User Submission Provision

Any communications or material you transmit to the Site by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and nonproprietary. You agree that COMPANY has a royalty-free, perpetual, irrevocable, worldwide non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display any communications or material you transmit to the Site for the purpose of operating and/or marketing the Site. This license includes any right of publicity rights that may be present in the communications or materials. Furthermore, COMPANY is free to use, without obtaining any permission from you or owning any royalty to you, any ideas, concepts, know-how, or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to, developing and marketing products using such information. You further agree that you will not upload or transmit to the Site any content that infringes on the rights, including but not limited to, intellectual property, privacy, publicity, or contract of some other person or entity. You shall be solely liable for any damages, royalties, or fees resulting from any infringement of rights or any other harm resulting from any content you upload/transmit. You further represent and warrant that: (i) you own all right, title, and interest, including the intellectual property rights, to any content uploaded/transmitted by you to the Site, or you have been granted the right by the owner to upload/transmit the content; and (ii) your content does not violate intellectual property rights, privacy rights, publicity rights, contractual rights or any other rights of any person or entity. COMPANY reserves the right to comply and cooperate with any and all legal requirements, legal authorities, and/or law enforcement agencies regarding the investigation of, or request to disclose, information related to your content. By accepting these terms, you waive and hold harmless COMPANY from any claims resulting from any action taken by COMPANY during or as a result of COMPANY investigation and/or from any actions taken as a consequence of investigations by either COMPANY or law enforcement.

You agree to waive and hold harmless COMPANY and any affiliate from any legal claims resulting from COMPANY’s actions or inactions related to its investigation of inappropriate Site behavior.

Product Availability

This Site contains references to, and information about COMPANY products and services. Availability of such products and/or services may be limited by COMPANY and therefore no representations or warranties are made with respect to the availability of such products or services.

SMS/Text Message Terms and Conditions

COMPANY may permit its insurance agents to communicate with you through a registered text message service, subject to the terms and conditions herein. Your insurance agent controls the frequency and content of the text messages you may receive pursuant to this program. If you elect to communicate with your insurance agent via text message, you must first agree to receive text messages from that insurance agent by replying “YES” to an opt-in text message sent by your insurance agent. Do not communicate with your insurance agent via text message if you have not received this opt-in text message and replied “YES”. You may opt out of receiving text messages from your insurance agent at any time. To opt out, send a text message to your insurance agent with the word “STOP” in the body of the text message. Message and data rates may apply. COMPANY respects your right to privacy. You can view the COMPANY Privacy Statement.

Prohibited Content Provision

In connection with your access and/or use of the Site or any Site goods or services, you agree not to: violate any federal, state, or local laws or regulations; upload/transmit anything that imposes an unreasonable or disproportionately large strain on the COMPANY network, or computer infrastructure, engage in any behavior that is designed to hack into or gain unauthorized access to protected areas of the Site and/or COMPANY computers, servers or networks, and/or any computers or systems used by other users of the Site; upload/transmit anything that could destroy, damage, or impair any portion of the Site or any computers, systems, hardware, or software used by the COMPANY or other users; make unauthorized attempts to modify any information stored on the Site; make any attempts to defeat or circumvent security features, or to utilize the Site for any other purpose other than its intended purposes; violate the legal rights (such as rights of intellectual property privacy and publicity) of others; use any automated technology such as a robot, spider, or scraper to access, scrape, or data mine the Site; use the Site to send spam or unsolicited bulk email; and/or provide false or misleading information when uploading/transmitting information to the Site. The previous list of prohibitions is not exclusive. COMPANY reserves the right to terminate your access to the SITE or any Site goods or services for any reason. By accepting these Terms, you waive and hold harmless COMPANY form any claims resulting in any action taken by COMPANY during or as a result of COMPANY’s investigation and/or from any actions taken as a consequences of investigations by either COMPANY or law enforcement related to your use of the Site.

Confidentiality of Data

Some information provided through the websites maintained by COMPANY is “Confidential Information” and such information will be maintained in confidence and will not be disclosed, used, or duplicated except as permitted by these TERMS AND CONDITIONS and by law. Confidential information includes, without limitation, non-public personal information; all lists of policyholders; former policyholders, applicants for insurance, and claimants, and all information relating to and identified as being associated with such persons; business volumes and usage; financial information, pricing information, claim information; software and software documentation; and information concerning business plans or business strategies.

Data Security

The COMPANY has reasonable website security measures in place to protect the loss, misuse, and alteration of the information under its control. While COMPANY takes reasonable steps to protect the integrity and security of its network and systems, COMPANY cannot guarantee that its security measures will prevent third-party “hackers” from illegally obtaining information.

Children’s Online Privacy Protection Act

Consistent with the Children’s Online Privacy Protection Act (COPPA), COMPANY will not knowingly collect or retain information submitted by children under the age of 13. If COMPANY learns that it unknowingly collected personally identifying information from children under 13 years of age, COMPANY will immediately take all reasonable measures to delete the information from our computer systems and other data systems.

Payment Transactions

COMPANY may make available to its policyholders the ability to make payments in connection with certain COMPANY products through its websites or a third-party service provider. If you wish to make a payment transaction, you may be asked to supply certain relevant information such as credit card number, its expiration date, or your bank account number, billing address, or financial institution routing number depending upon the capability of the COMPANY websites and/or the payment processing methods made available.

By using the Site for transactions or payments, you agree to the following transaction and payment terms and conditions.

COMPANY may use a third-party to complete the transaction requested by you. COMPANY and the third-party will use reasonable efforts to process all transactions in conformance with the information provided by you. Neither COMPANY nor the third-party shall have any liability for incomplete or erroneous transactions caused by your provision of inaccurate information, your lack of sufficient funds or credit, by misuse of your password or for circumstances not subject to the COMPANY’S or third-party’s control. You agree that if this transaction is unable to be completed for any reason whatsoever COMPANY is released from any and all liability of whatever nature, including with respect to any forfeiture of insurance arising out of the nonpayment. COMPANY and the third-party reserve the right not to process any transaction which COMPANY or business partner, in their sole discretion, believe may be erroneous, unauthorized, or otherwise invalid. Your use of this Site is with the understanding that COMPANY may provide and transmit your information to business partner to complete the processing of your transaction request. Except to the extent necessary to process a transaction, COMPANY endeavors to use is best efforts to maintain the confidentiality of all information provided by you.

If you make a payment transaction, YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT TO USE ANY AND ALL PAYMENT INFORMATION THAT YOU SUBMIT IN CONNECTION WITH ANY PAYMENT TRANSACTION initiated by you. By agreeing to such payment transactions, COMPANY has the right to provide such information to third parties for purposes of facilitating such transactions and you consent to the use of such third-party websites for purposes of processing and assisting in such payment transactions.

Privacy Policy

Your use of the Site is also governed by Our Privacy Policy. The COMPANY’S Privacy Policy is incorporated by reference into these Terms and Conditions. Please access our Privacy Policy for Bankers Life here and for Washington National here.

Miscellaneous

• Any disputes relating to these Terms and Conditions are governed by the laws of Indiana without regard to conflict of laws provisions.

• If any portion of these Terms and Conditions is deemed invalid, the remaining portions will remain in full force and effect.

• If you violate any portion of these Terms and Conditions, COMPANY may deny you access to the Site. However, any failure by COMPANY to enforce any portion of these Terms and Conditions is not a waiver of such portion.

• The proprietary rights, disclaimer of warranties, indemnification, representations made by you, limitations of liability, and governing law provisions and language shall survive termination of these Terms and Conditions.

VOLUNTARY CONSENT TO USE OF ELECTRONIC SIGNATURES AND RECEIPT OF DISCLOSURES EXCLUSIVELY THROUGH ELECTRONIC MEANS

You may request a transaction, send information or receive documents using electronic delivery, records or signatures. COMPANY may be legally required to provide you with certain disclosures and information about your account, contract, policy or transaction including related tax statements, forms and notices(“Required Information”). If you give your consent, COMPANY may deliver this Required Information to you electronically. Your consent also permits the general use of electronic records and electronic signatures in connection with transactions. Your consent to receive electronic records or provide electronic signatures can be revoked at any time, and We will never charge you additional fees for either choosing to receive electronic records or revoking your consent to receive electronic records.

PLEASE READ THIS NOTICE CAREFULLY. PRINT OR DOWNLOAD A COPY FOR YOUR RECORDS

Electronic Signatures and Transactions – Disclosures and Consent

Electronic Signature means any electronic sound, symbol, or process attached to or logically associated with a record and executed and adopted by a party with the intent to sign such record, including email electronic signatures, pursuant to applicable law including, specifically, the California Uniform Electronic Transactions Act (Cal. Civ. Code § 1633.1 et seq.).

By electronically signing this document, you are saying you agree to the use of electronic transactions and electronic signatures on this Site, and to receiving electronic versions of certain records and confirmations, including Required Information. You are also agreeing to be held to any agreement you make or transmit through the Internet or this Site, including your consent to receive the Required Information from Us only by electronic transmission. You agree that, by using this Site, your consent will be as legally binding and enforceable as if you had signed on paper. You are entitled to change your mind and withdraw your consent. However, if you withdraw your consent you will then no longer be able to use this section of the Site and you will not be able to complete your transaction electronically with the COMPANY.

You agree to keep us informed of any change in your email or mailing address. You may update your email address by contacting Us. When prompted or available as an option, you agree to print out or download any Required Information, verifications or confirmations for your records. The COMPANY may require that certain communications from you be delivered to them on paper at a specified address.

Your Document Delivery Preferences

By creating an account and registering with the Site, you will have access to online services related to your relationship with Us. For example, you may pay your premium, review policy documents, and update your contact information online through use of the Site.

You also have the ability to choose how you would like to receive important contract and policy documents such as premium notices, explanation of benefits, policy statements, privacy notices and other insurance and tax related documents.

For new users of the Site, the delivery method or delivery “preference” for documents available through the Site is set to ELECTRONIC DELIVERY (i.e., COMPANY will upload policy documents to the Site), to the extent eligible policy documents may be provided electronically under state and federal laws. We will retain a record of your consent to receive documents by electronic transmission with your policy and account information.

Eligible policy documents including Required Information will be uploaded as PDF files to the Site for your review, and We will send you an email informing you when a new document is available to you within your account. You can change this default delivery method from ELECTRONIC DELIVERY to USPS MAIL DELIVERY at any time by signing into your account on the Site, navigating to the ‘Manage Account’ section and selecting the ‘View/Update Preferences’ page. If you change the default delivery method from ELECTRONIC DELIVERY to USPS MAIL DELIVERY, you will receive all future documents via USPS mail.

You will not be charged any additional fees if you choose USPS MAIL DELIVERY as your default delivery preference, and your access to and use of the Site will not be restricted in any way. Please note that if you elect to receive documents through USPS MAIL DELIVERY, it will slow the speed at which we can complete certain steps in transactions with you, because We will first need to send the required notices or disclosures to you in paper format, and then wait until We receive corresponding documents from you or your acknowledgement of receipt of such notices or disclosures.

For existing users of the Site, your delivery preference is set as a default to USPS MAIL DELIVERY only. Existing users will be prompted to update their delivery preference to opt-in to ELECTRONIC DELIVERY (if desired) upon acceptance of these TERMS AND CONDITIONS. If you opt-in to electronic delivery, eligible policy documents including Required Information will be uploaded as PDF files to the Site for your review, and We will send you an email informing you when a new document is available to you within your account.

The option to transact business electronically with COMPANY and its affiliates including receiving policy documents and Required Information electronically is voluntary. You do not have to consent to electronic delivery of your policy documents and Required Information.

If you choose to receive your documents electronically, you agree that:

1. You have access to equipment and software through which you can access the Site, login to your account and view PDF documents;

2. We may use electronic records and signatures in our relationship with you; and

3. Electronic delivery of policy information and Required Information satisfies any requirement that such information be provided to you in writing.

Your consent will apply to any communication which we are legally permitted to provide to you electronically now or at any time in the future until such time that you withdraw your consent. It is your responsibility to timely review any electronically delivered policy documents and Required Information that is uploaded to the Site and made available to you within your account. You may need to take certain actions in response to these communications such as pay your policy premiums or provide Us with information missing from your transaction request such as requested policy changes or claims submissions.

We may choose to, or be required to continue to send you certain documents in paper via USPS mail rather than in electronic form. You should continue to review all paper communications that We send you. Please ensure that you keep your primary mailing address up to date. If We send you paper documents, it will have no impact on your paperless enrollment.

Accessing Your Documents

We may deliver electronic documents and communications by any of the following means: (1) within your account on the Site; (2) to your designated email address; (3) via our mobile application(s); or (4) by requesting that you download a PDF file that contains the communication.

Hardware and Software Requirements

To access and retain electronic communications, you must have an active email address and an up-to-date computing or mobile device with:

• a Current Version (defined below) of a web browser (such as Edge, Chrome, Safari or Firefox),

• a connection to the Internet,

• electronic storage to retain records and/or a printer to print them, and

• a Current Version of a program that accurately reads and displays PDF files.

If you do not have a PDF reader, you can download Adobe® Reader® at no charge from the following link: https://get.adobe.com/reader/(By clicking the link, you will be taken to a third-party site not managed by Us, where different security or privacy practices may apply.)

By “Current Version,” We mean a version of software that is currently being supported by its publisher. We reserve the right to discontinue support of a Current Version of software if, in Our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use.

If Our hardware or software requirements change, and that change creates a material risk that you would not be able to access or retain the information, We will give you notice of the revised hardware or software requirements. Continuing to access Our Sites electronically after receiving notice of the change reaffirms your consent

How To Withdraw Your Consent

You can withdraw your consent with no cost to you. To do so, you must sign in to your account, navigate to the ‘Manage Account’ section and select the ‘View/Update Preferences’ page. If you have any questions or experience any difficulties then contact Us at (800) 621-3724 if you are a Bankers Life customer or at (800) 525-7662 if you are a Washington National customer.

Your withdrawal of consent is effective only after We have had a reasonable period of time to act upon your withdrawal. Withdrawal of consent to electronic delivery will not affect the legal effectiveness, validity, or enforceability of communications previously provided to you electronically. Such communications may continue to be available online for the applicable posting period.

Obtaining Copies of Electronic Communications

We recommend that you print or download a copy of this disclosure, and all other communications to retain for your records. If you want paper copies of documents provided electronically, you can contact us at (800) 621-3724 if you are a Bankers Life customer or at (800) 525-7662 if you are a Washington National customer. We may charge reasonable fees for certain paper copies of communications if allowable.

Your Contact Information

If your email address changes, you must notify Us of such changes immediately by signing into your account, navigating to the ‘Manage Account’ section and selecting the ‘Change My Email Address’ page.

We may send you a notification via USPS about a failed attempt to communicate with you at an incorrect or obsolete email address, or if your service provider sends Us notification that an electronic communication was returned undeliverable. If you fail to update or change an incorrect or obsolete email address or other contact information, you understand and agree that any electronic communications and Required Information uploaded to the Site and available to you within your account shall nevertheless be deemed to have been provided to you if they were made available to you by one of the methods described above.

Failure to take action to update or change an incorrect, obsolete or unavailable email address may result in your document delivery preference being changed from ELECTRONIC DELIVERY method to USPS MAIL DELIVERY by Us.

Termination and Changes

We reserve the right to discontinue providing you with electronic communications, or to terminate or change this disclosure. We will provide you with notice of any such termination or change as required by law.

By clicking “I Accept Terms and Conditions” below, you agree to be bound by these TERMS AND CONDITIONS, and you expressly consent to receive your eligible policy documents solely through ELECTRONIC DELIVERY, and you consent to receive notifications to the email address you provided during registration or later updated by you in your account. By consenting to receive your eligible policy documents electronically, you also agree to not receive them by USPS mail. You may withdraw your consent to ELECTRONIC DELIVERY method and choose USPS MAIL DELIVERY at any time by following the instructions outlined above.

Termination

COMPANY reserves the right to discontinue or change the products or services, or their availability to you, at any time or for any reason, with or without notice, including, without limitation, if COMPANY believes that your conduct violates applicable law or is harmful to the interests of COMPANY and its affiliates and/or subsidiaries. If you breach any of the TERMS AND CONDITIONS, your authorization to use this Site automatically terminates. Upon termination, there shall be no refund of any monies paid by you for access to the Site, and you shall immediately destroy any information downloaded or printed from our Site.

Contact Information

Please contact our Customer Service Center for any of the following:

• To request paper copies of documents or communications.

• To withdraw your consent to conduct electronic communications in the future.

• For assistance with electronic transactions or communications with us.

Acknowledgement and Acceptance

By clicking “I Agree” below, you confirm that:

• I can access and read these TERMS AND CONDITIONS; and

• I have an email service provider and I am able to send email and receive email with hyperlinks to website and attached files at the email address I provided to COMPANY;

• I am able to access, view and download or print electronic documents, including Required Information and other policy documents using a web browser and PDF viewer;

• Until or unless I notify the COMPANY as described above, I consent, if applicable, to receive some Required Information and eligible policy documents exclusively through electronic means (and I can revoke my consent to ELECTRONIC DELIVERY at any time);

• I also consent, if applicable, to the use of electronic signatures in connection with my transactions with the COMPANY in place of handwritten signatures;

• I understand that by signing electronically that my consent is as legally binding and the same full force and effect as if I had signed on paper;

• I understand that should I fail to submit my transaction request timely or the request is processed after the policy has terminated, the submission of this request to COMPANY through the Site does not constitute the waiver of any policy provision or a representation that the policy will not terminate or will be reinstated.

IF YOU DECLINE TO PROCEED WITH THE ELECTRONIC SIGNATURE PROCESS OR DO NOT AGREE TO THE ABOVE TERMS AND CONDITIONS, DO NOT CONTINUE AND CLOSE OUT YOUR BROWSER WITHOUT CLICKING THE I AGREE BUTTON BELOW.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THE TERMS, AND WILL BE BOUND BY THE TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF USE TOGETHER WITH THE PRIVACY STATEMENT REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT.