Americo Financial Life and Annuity Insurance Company




Reference to "Americo" throughout this website means Americo Life, Inc. and/or its subsidiaries and/or the products of its subsidiaries depending on the context.

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. Americo 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.

The materials on this website 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. Americo 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. Americo 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 Americo) 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 Americo. Americo does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

Limitations of Liability
While Americo uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. Americo 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 Americo 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 Americo or an Americo 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 Americo's total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website.

Americo 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 of Use of Materials
This website is owned and operated by Americo. Permission is granted to display and navigate within this website with a computer using HTML browser software, solely for personal use or as authorized by Americo. Any other use of this website or any portion hereof is strictly prohibited.

Except as otherwise permitted by Americo, no materials from or any website owned, operated, licensed or controlled by Americo may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for use authorized by Americo only, provided you 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 purposes, including the text, images, audio, and video, without Americo's written permission. Americo 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 Americo.

Jurisdictional Issues
This website is controlled and operated by Americo from its offices within the State of Missouri, United States of America. Americo makes no representation that materials on this website are appropriate or available for use in other locations, as some insurance products discussed on this website may not be available in all states. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with state and local laws.

The information contained on this website is not an offer to sell or a solicitation to buy any insurance. No insurance is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance laws of such jurisdiction.

Trademarks/Service Marks and Copyrights
Images displayed on this website are either the property of, or used with permission from, Americo. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically authorized by Americo. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communication regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by Americo or any Americo company are proprietary to Americo. 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 Americo 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 the use of Americo trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to Americo Financial Life and Annuity Insurance Company, 300 W. 11th Street, Kansas City, MO 64105, USA.

Any communications or materials you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and nonproprietary and will become the property of Americo or its affiliates. Such communications or materials shall be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Americo 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
Americo®, and all other trademarks, service marks, trade names, and logos used by Americo or its subsidiaries are registered trademarks or service marks of Americo Life, Inc. and/or its subsidiaries.

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 take appropriate legal action 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.

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Americo Financial Life and Annuity Insurance Company is authorized to conduct the business of insurance in the District of Columbia and all states except AK, NY, and VT.