CONDITIONS OF USE

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

DISCLAIMER

The materials on www.bankerslife.com are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Bankers Life and Casualty Company does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components. Bankers Life and Casualty Company does not warrant or make any representations regarding the use or the results of the use of the materials on this Website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Bankers Life and Casualty Company) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed through this website. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent of Bankers Life and Casualty Company. Bankers Life and Casualty Company does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

LIMITATION OF LIABILITY

While Bankers Life and Casualty Company uses reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions may occur. Bankers Life and Casualty Company makes no warranties or representations as to the accuracy of this Website. Under no circumstances including, but not limited to, negligence by act or omission, shall Bankers Life and Casualty Company or any party involved in creating, producing, or delivering this Website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if Bankers Life and Casualty Company or a Bankers Life and Casualty Company authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Bankers Life and Casualty Company's total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this Website.

Bankers Life and Casualty Company assumes no 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 in the Website or your downloading of any materials, data, text, images, video, or audio from this Website.

RESTRICTIONS ON USE OF MATERIALS

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

Except as otherwise permitted by Bankers Life and Casualty Company, no materials from www.bankerslife.com or any Website owned, operated, licensed or controlled by Bankers Life and Casualty Company may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including the text, images, audio, and video, without Bankers Life and Casualty Company's written permission. Bankers Life and Casualty Company neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties not owned by or affiliated with Bankers Life and Casualty Company.

JURISDICTIONAL ISSUES

This Website is controlled and operated by Bankers Life and Casualty Company from its offices within the State of Illinois, United States of America. Bankers Life and Casualty Company makes no representation that materials on www.bankerslife.com are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

Some insurance products may not be available in all states.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS

Images displayed on this Website are either the property of, or used with permission by, Bankers Life and Casualty Company. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by Bankers Life and Casualty Company are proprietary to Bankers Life and Casualty Company. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Website without the written permission of Bankers Life and Casualty Company or such third party that may own the trademarks or service marks displayed on this Website. Your use of the trademarks or service marks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

Inquiries concerning use of Bankers Life and Casualty Company trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to CNO Financial Group, Inc., Legal Department (J1J), 11825 N. Pennsylvania Street, Carmel, Indiana 46032, United States of America.

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

TRADEMARK/SERVICE MARK NOTICES

All trademarks, service marks, trade names and logos used by Bankers Life and Casualty Company are registered trademarks or service marks of Bankers Life and Casualty Company.

We are very protective of our trademarks and service marks. If they have not been registered with the United States Patent and Trademark Office, then we have applications pending. All use 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.