Website Content

Please read these Terms and Conditions carefully before accessing or using this website. By accessing the website, you agree to be bound by the Terms and Conditions contained herein. If you do not want to be bound by these Terms and Conditions, you should not access or use the website. Lincoln Heritage Life Insurance Company (referred to herein as "Company ","we", "our", and "us") may at any time revise, update, change or replace any part of these Terms and Conditions without notice. It is your responsibility to check this page periodically for changes, and your continued access or use of this site shall be deemed your acceptance of any modified Terms and Conditions. Company reserves the right at any and all times and in its sole discretion to change the contents of this website and the products and services referenced hereon. Company reserves all other rights.

Product Availability

The product and/or service descriptions, if any, provided on the Company website are not intended to constitute an offer to sell or a solicitation to buy any product or service. Not all products and services are available in all states, and all products are subject to applicable regulation. Anyone interested in a particular product should contact the pertinent Company business unit to ascertain whether the product and/or service is available in their jurisdiction. Company offers life insurance products and other non-insurance products and services. The Company conducts business in 49 states. Unless otherwise indicated, products and services are available in the United States only, and not all products or services are available in all states.

Modifications to the Services

We reserve the right at any time to modify or discontinue the site's services (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, suspension or discontinuance of the services.

Links to Other Websites

Links to third party websites may be offered as a matter of convenience and in no way are meant to imply that Company endorses, controls, approves, sponsors, promotes or is affiliated with the owners of, or participants in, those sites or any material contained therein. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

Company is under no obligation to maintain any link on this website, and may remove any such link at any time in its sole discretion for any reason whatsoever.

Ownership of Materials and Restrictions on Use

Company retains copyright on all text and graphic images. You agree not to duplicate, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, sell, resell or exploit any information, products or services found on this website, without express written permission by us.


Your submission of personal information through this website is governed by our Privacy Policy.

When you connect with this website, Company places a small text file, called a "cookie," on your hard drive, as a means identifying you to our computers in the future. Cookies are a standard type of data file used by website administrators to facilitate your ongoing access to and use of a particular website. Depending on the information you have previously provided to us, a cookie from Company might contain your name, email address, postal address and/or telephone number. It will not include your password or credit card number, however. If you do not wish to receive this or other cookies when you are online, or wish to condition your receipt of such files, there is a simple procedure in most browser software that will allow you to block or condition their receipt. Cookies may be necessary, however, to provide you with certain features, such as merchandise transactions or registered services.

Company also allows third party companies to use cookies to collect certain anonymous, non-personally identifiable information when you visit our website. We use "Google Analytics" to collect information about use of our website. For more information about how Google uses the information, please visit www.google.com/policies/privacy/partners/. If you do not wish for "Google Analytics" to receive information concerning your visit to our website, you may opt out of the service by using the Google Analytics Opt-out Browser Add-on, which may be found at https://tools.google.com/dlpage/gaoptout.

Prohibited Uses

In addition to other prohibitions as set forth in the Terms and Conditions, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

Limitation of Liability

Company maintains this website as a service to the Internet community. Occasionally there may be information on our sites or in the Service that contains typographical errors, inaccuracies or omissions that may relate to policy information, product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. The information on this website is subject to change without notice, and Company assumes no commitment to update any information on this website. You expressly agree that your use of, or inability to use, the service is at your sole risk. Accordingly, it is understood that all the legal rights, responsibilities and/or obligations of an individual policy are governed by the policy provisions which are made part of the policy contract, and shall control in any disputes, complaints, or litigation. ALL INFORMATION AND CONTENT AVAILABLE ON, OR ACCESSIBLE FROM, THE COMPANY WEBSITE ARE PROVIDED "AS IS" AND 'AS AVAILABLE' FOR YOUR USE, WITHOUT WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, DURABILITY, TITLE, AND NON-INFRINGEMENT. IN NO EVENT SHALL COMPANY, OUR DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, INTERNS, SUPPLIERS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES OF ANY KIND WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. Company makes no representations or warranties about the accuracy or completeness of the information contained on this website. Company does not guarantee or warrant that functions will be uninterrupted or error-free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, Company is not responsible for those costs. Company assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.


You agree to indemnify, defend and hold harmless Company and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your breach of these Terms and Conditions or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

Forward-Looking Statements

Forward-looking statements contained on this website are made pursuant to the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995, and include estimates and assumptions related to economic, competitive and legislative developments. Forward-looking statements may be identified by words such as "expects", "intends", "anticipates", "plans", "believes", "estimates", "will" or words of similar meaning, and include, but are not limited to, statements regarding the outlook of our business and financial performance. These forward-looking statements are subject to change and uncertainty which are, in many instances, beyond our control, and have been made based upon our expectations and beliefs concerning future developments and their potential effect upon us. There can be no assurance that future developments will be in accordance with our expectations, or that the effect of future developments on us will be anticipated. These forward-looking statements are not a guarantee of future performance, and involve risks and uncertainties. There are certain important factors that could cause actual results to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements. These factors include among others: (1) international economic and financial crisis, including the performance and fluctuations of fixed income, equity, real estate, credit capital and other financial markets; (2) interest rate fluctuations; (3) estimates of our reserves for future policy benefits and claims; (4) differences between actual experience regarding mortality, morbidity, persistency, surrender experience, interest rates or market returns, and the assumptions we use in pricing our products, establishing liabilities and reserves or for other purposes; (5) changes in our assumptions related to deferred policy acquisition costs, valuation of business acquired or goodwill; (6) changes in our claims-paying or credit ratings; (7) investment losses and defaults; (8) competition in our product lines and for personnel; (9) changes in tax law; (10) regulatory or legislative changes; (11) adverse determinations in litigation or regulatory matters and our exposure to contingent liabilities, including in connection with our divestiture or winding down of businesses; (12) domestic or international military actions, natural or man-made disasters, including terrorist activities or pandemic disease, or other events resulting in catastrophic loss of life; (13) ineffectiveness of risk management policies and procedures in identifying, monitoring and managing risks; (14) effects of acquisitions, divestitures and restructurings, including possible difficulties in integrating and realizing the projected results of acquisitions; (15) changes in statutory or U.S. Generally Accepted Accounting Principles ("GAAP") practices or policies; and (16) changes in assumptions for retirement expense. It has never been a matter of corporate policy for us to make specific projections relating to future earnings, and we do not endorse any projections regarding future performance made by others. Additionally, we do not publicly update or revise forward-looking statements based on the outcome of various foreseeable or unforeseeable events.


In the event that any provision of these Terms and Conditions is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms and Conditions, such determination shall not affect the validity and enforceability of any other remaining provisions


The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms and Conditions, are effective unless and until terminated by either you or us. You may terminate these Terms and Conditions, at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms and Conditions, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).