If you do not agree with each term of use specified herein, you are not granted permission to use the site and must exit this site immediately.

The following terms and conditions ("Terms of Use"), in addition to site rules which may be provided on this site, govern your use of this Web site. By accessing, viewing, or using any material or content on the site, you agree that you understand and intend all obligations in this Terms of Use to be binding WITHOUT LIMITATION OR QUALIFICATION.

The term "you" refers to you as an individual person and, in the case of a company or other business entity, that business entity and you as a person authorized by that business entity to enter into and bind the business entity to these Terms of Use, as well as any site Rules.

The terms "we," "us," "our" or "ALICO" refer to AMERICAN LIFE INSURANCE COMPANY. The term "AIG" refers to American International Group, Inc.,subsidiaries and affiliated entities.

BY USING THIS WEBSITE, YOU ACKNOWLEDGE YOUR CONSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE REVISED AT ANY TIME 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.

1. DISCLAIMER

THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, AIG AND ALICO DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES OFFERED BY ALICO, BUT ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE RELEVANT PRODUCT OR SERVICES AGREEMENT.

2. LIMITATION OF LIABILITY

While ALICO uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, ALICO makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall ALICO or any party involved in creating, producing, or delivering the website be liable to you 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 ALICO or an ALICO authorized representative has been advised of the possibility of such damages. Neither AIG nor ALICO assumes any 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 website or your downloading of any materials, data, text, images, video, or audio from this website.

3. RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by ALICO. Except as otherwise expressly permitted by ALICO, no materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that 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 ALICO'S written permission. ALICO neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

4. JURISDICTIONAL ISSUES

Information, services, products or transactions ("Products") on this site are not intended for residents of states of countries where specific companies or products are not authorized or licensed, or where any content of or transaction on this site is unlawful. Unless otherwise expressly set forth herein, ALICO makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by AIG or ALICO. No security, insurance product or other product or service is offered or will be sold by AIG or ALICO or, if sold by AIG or ALICO, will be effective 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. Some products and services may not be available in all jurisdictions.

5. TRADEMARKS AND COPYRIGHTS

All trademarks, services marks, trade names, logos, and icons are proprietary to AIG and/or ALICO. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of AIG and/or ALICO, as the case may be. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, AIG and/or ALICO. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by AIG and/or ALICO, as the case may be. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.