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POLICY CONTRACT AND TERMS CONTROL

Regardless of any content, product description, materials or representations provided on any website, the terms and conditions of company contracts will always control. Any analysis of products is in general terms and is superseded in all respects by the annuity contract and applicable riders. Some of our products or product features may not be applicable in all states or may need to be modified to conform to applicable state law. Some products or product features may have been eliminated or modified since the posting on this site. The issuing, renewal, or cancellation of any insurance policy or annuity contract, policy terms and conditions, and rates are subject to review. 

USER LOGIN

Some areas of this site are restricted and require a User ID and Password for access. Unauthorized access or use of such sites is strictly prohibited. 

In accessing areas of the site requiring a User ID and Password, you agree that: 

· We are not liable for any unauthorized access to your personal information;

· You, alone, are responsible for maintaining the confidentiality and security of your User ID and password.

· You will notify us immediately if you believe someone else has obtained your User ID and Password or any unauthorized access to the online servicing site has occurred or may occur;

· We in sole discretion may block online access to your account without prior notice if we believe your User ID and Password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for any other reason we deem this action necessary.

CHANGES TO AND AVAILABILITY OF WEBSITE

We may terminate, change, suspend, interrupt, or discontinue any aspect of any website, including the availability of any features of any site, at any time. We may also impose limits on certain features and services or restrict your access to parts of this site or one or more entire sites without prior notice or liability. We may terminate the authorization or rights given above.