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Privacy Policy Statement
We understand that privacy is an important issue for visitors to the EquiTrust Life Insurance Company website. Specifically, visitors to our website are concerned about what information is collected, how it is collected and how it is used.

Equitrust Life Insurance Company gathers information about website visitors to improve the quality of information and services offered on our website. We collect two forms of information: visitor data and voluntarily provided personal data.

Visitor Data
We routinely gather information regarding our website’s activity, such as how many people visit our sites, the pages they visit and where they come from. This data is collected on an anonymous basis. It does not contain any personal information regarding our website visitors. We gather this quantitative information through logs contained on the servers that support our sites. This information is for our internal use only. It is not shared with or sold to any third parties.

Personal Data
Through voluntary responses on the EquiTrust Life Insurance Company website and email links found on our site, we collect various types of personal information from visitors. This information is collected only when visitors voluntarily provide it. The data collected is also for our internal use only and is not shared with or sold to any third parties.

If you have any questions about our Privacy Policy, please contact us by sending an email to: EquiTrust Life Insurance Company.

This material is not intended to provide investment advice to you or to your specific situation. EquiTrust does not offer investment advice to any individual and this material should not be construed as investment advice.

TERMS AND CONDITIONS OF USE

EquiTrust Life Insurance Company ("EquiTrust"), gives you the ability to access our content on this website (“Site”), www.equitrust.com. You can use this Site for our product information, educational content, services, and self-help tools ("Online Activities"). You may use this Site only if you agree, without modification, to these terms and conditions of use (“Terms”). Please read the Terms carefully before continuing. If you do not agree to the Terms, you must leave this site. The Terms are in addition to any other agreements between you and EquiTrust.

EquiTrust reserves the right to modify or change the Terms at any time without prior notice to you. Such modification or change shall be effective upon posting by EquiTrust on this Site. You agree to be bound to any changes to the Terms when you use this Site after any such change is posted.

 DISCLAIMER

The materials on this Site (including, without limitation, all software) are provided “as is” and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, EquiTrust disclaims all warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. EquiTrust does not warrant that the functions contained in the materials will be uninterrupted or error-fee, that defects will be corrected, or that this Site or the service that makes it available are free of viruses or other harmful components. EquiTrust does not warrant or make any representations regarding the use or the results of the use of the materials on this Site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Equitrust) assume the entire cost of all necessary servicing, repair, or correction of all equipment, data, or other items. EquiTrust also makes no guarantee as to the accuracy, validity, timeliness, or completeness of any information on any site to which you gain access though a hyperlink or other link from this Site. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions, and conditions applicable to the products and services but are provided solely for general informational purposes. EquiTrust may make changes to the Site materials and the product information at any time without notice and without obligation to update the materials contained on this Site.

LIMITATION OF LIABILITY

EquiTrust’s Liabilities
While EquiTrust uses reasonable efforts to include accurate and up to date information on this Site, errors or omissions sometimes occur. EquiTrust makes no warranties or representations as to the accuracy of this Site. Under no circumstances, including, but not limited to, negligence, shall EquiTrust or any party involved in creating, producing, or delivering the Site be liable to you for any direct, incidental, consequential, indirect, or punitive damages whatsoever (including, without limitation, those resulting from lost profits, lost data or business interruption) that result from the use of, or the inability to use, or the results of the use of this Site or the materials or information contained at this Site, whether based on warranty, contract, tort or any other legal theory, even if EquiTrust or an EquiTrust authorized representative has been advised of the possibility of such damages. In no event shall EquiTrust’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Site or the materials.

EquiTrust also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio form this Site. EquiTrust shall not be liable for any mechanical or electronic equipment failure, failure of communications lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes or other labor problems, or any force majeure.

Applicable law may not allow the exclusion or limitation of incidental or consequential damages, so these limitations or exclusions may not apply to you.

Your Liabilities
EquiTrust has the right to deny you access and use of the Site and its content if you violate (as EquiTrust may determine in its sole and absolute discretion) any provision of these Terms. EquiTrust reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold EquiTrust harmless from any claim or demand, including reasonable attorneys' fees, made by a third party in connection with or arising out of your access to, or use of, the Site or any of its content in a manner other than as expressly authorized by these Terms, your breach of these Terms or your violation of applicable laws or any rights of any third party.

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, icons and any other proprietary information (collectively, “Intellectual Property”) are licensed or proprietary to EquiTrust. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Intellectual Property displayed on this Site without the written permission of EquiTrust or such third party that may own the Intellectual displayed on this Site. Your use of the Intellectual Property displayed on this Site, or any other content on this Site, except as provided herein, is strictly prohibited.

Images displayed on this Site are either the property of, or used with permission by, EquiTrust. 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.

The materials on this Site are copyrighted and any unauthorized use of any materials on this Site may violate copyright, trademark, and other laws. If you breach any of these Terms, your authorization to use this Site automatically terminates and you must immediately destroy any downloaded or printed materials.

RESTRICTIONS ON USE OF MATERIALS

This Site is owned and operated by EquiTrust. Except as otherwise expressly permitted by EquiTrust, no materials from this Site or any site owned, operated, licensed or controlled by EquiTrust may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Site for your personal non-commercial reference 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 Site for public or commercial purposes, including the software, text, images, audio, and video without EquiTrust's written permission. EquiTrust neither warrants nor represents that your use of materials displayed on this Site will not infringe rights of third parties not owned by or affiliated with EquiTrust. Use of any EquiTrust trademarks as metatags on any third-party site is strictly prohibited. You may not Co-Brand the Site or display the Site in frames (or any of the content via in-line links) without prior written permission from EquiTrust. "Co-brand" means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of EquiTrust in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Site or any of its content. You agree to cooperate with EquiTrust in causing any unauthorized co-branding, framing or linking to immediately cease. The Site and its content are not intended for children ages 13 and younger.

MONITORING OF SITE

EquiTrust expressly reserves the right to monitor any and all use of this Site. EquiTrust is under no obligation to do so and assumes no responsibility or liability arising from the use of this Site.

HYPERLINKS AND LINKED WEBSITES

This Site may be linked to other sites which are not maintained by EquiTrust. Links on this Site to such third-party sites are provided solely as a convenience to you. If you use these links, you will leave this Site. EquiTrust has not reviewed all of these third-party sites and does not control and is not responsible for any of these sites or their content, nor does the inclusion of any link to such sites imply approval of or endorsement by EquiTrust of the sites or the content thereof. Thus, EquiTrust does not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them and disclaims all liability as to the content or material available at those sites. If you decide to access any of the third-party sites lined to this Site, you do so entirely at your own risk. This Site is intended to provide general information only and is not intended to assist in the solicitation, negotiation or sale of any insurance or security product.

JURISDICTIONAL ISSUES

EquiTrust administers this Site from its office in West Des Moines, Iowa. Unless otherwise expressly set forth herein, EquiTrust makes no representation that materials on this Site are appropriate or available for use in any location, including, without limitation, for use outside the United States, and access to the materials on this Site from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on this Site or any copy or adaptation in violation of any applicable laws or regulations, including, without limitation, U.S. export laws and regulations. Those who choose to access this Site do so on their own initiative and are responsible for compliance with local laws. The appropriate Iowa Federal or State court shall have exclusive jurisdiction for any action or dispute arising out of this agreement or Site.

The information and material contained on this Site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. The information provided on this Site does not apply to nor are the insurance products and services of EquiTrust available to residents of any state not identified herein or of any foreign country. EquiTrust products are offered by EquiTrust agents - for more information about any EquiTrust product please contact your local agent or go to the Contact Center to find an agent in your area.

VISITOR SUBMISSIONS

All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Website that permit uploading of questions, comments or other material are hereby considered "Visitor Submissions".

If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to EquiTrust's Privacy Policy or otherwise injurious to EquiTrust or third parties; and that will not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by EquiTrust), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you are the individual identified by the address. If you wish to submit materials to the Site, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are or purport to be the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy.

Visitor Submissions become the property of EquiTrust and you grant EquiTrust a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as necessary and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you are also hereby granting to EquiTrust the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.

Visitor Submissions used, displayed or propagated by EquiTrust or others licensed by EquiTrust to use Visitor Submissions may be attributed to you unless the visitor has expressly requested anonymity. EquiTrust reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to EquiTrust's sole discretion and judgment. EquiTrust otherwise reserves the right to remove Visitor Submissions from the Site pursuant to its discretion and judgment, but maintains no obligation to do so.

Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with EquiTrust.

IMPORTANT DISCLOSURES ABOUT EQUITRUST PRODUCTS

Product coverage, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance policies from EquiTrust which are controlling. Such product coverage and terms may vary by state and exclusions may apply. Product issue is subject to underwriting guidelines, review, and approval. Products are not available to all persons in all states.

EquiTrust Life Insurance Company is an Illinois domiciled life insurance company with offices located in West Des Moines, Iowa and Chicago, IL, and is a Magic Johnson Enterprises company. EquiTrust provides life insurance, annuities and services in the following states and the District of Columbia: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. Not all of EquiTrust’s products are available in every state. The information provided on this Site does not apply to nor are the insurance products and services of EquiTrust available to residents of the state of New York.

The information contained herein was prepared to promote and support the marketing of the products and services of EquiTrust. It is not intended to constitute tax advice. It was not written or intended to be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer, and cannot be used by any taxpayer for that purpose. You should seek advice on matters related to taxes specific to your situation from an independent tax advisor.

SOFTWARE

Use of Software 
Any software that is made available to download from this Site is the copyrighted work of EquiTrust and/or its suppliers. Use of the software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the software ("License Agreement"). You may not download or install any software that is accompanied by or includes a License Agreement unless you have read and accepted the terms of the License Agreement. Reproduction or redistribution of the software is prohibited except as provided for in the applicable License Agreement.

Export of Software
You acknowledge that any software available or provided to you on this Site may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. EquiTrust does not authorize the downloading or exportation of any software or technical data from this Site to any jurisdiction prohibited by the United States export controls laws and regulations.

ADDITIONAL TERMS

Entire Agreement 
Except to the extent otherwise set forth in the Terms, the Terms set forth the entire understanding between EquiTrust and you with respect to your access to, and use of, the Site and its content and supersedes all prior or contemporaneous understandings regarding access and use.

Severability
If any portion of the Terms is found to be unenforceable, the remaining sections of the Terms will remain in effect.

Waiver
Failure by EquiTrust, in any instance, to exercise any of its rights under the Terms will not constitute waiver of such right or any other rights under the Terms.

COPYRIGHT NOTICE 
© 2001-2017 EquiTrust Life Insurance Company. All rights reserved.

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any content available on or through the Site for commercial or public purposes, without the prior written permission of EquiTrust.

Effective September 12, 2012
Last Updated November 6, 2015