>>Terms and Conditions of Website Use

Terms and Conditions of Website Use

Columbian Life/Columbian Mutual requires that each visitor (a “User”) to this Internet site on the World Wide Web (the “Site”) adhere to the following Terms and Conditions. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. If at any time you do not accept the terms and conditions, do not access the web site or any of its pages.

Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.


Access to and use of this Site are subject to all applicable federal, state and local laws and regulations


Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Copyright And Trademarks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of Columbian Life/Columbian Mutual or its subsidiaries or affiliates. Users are prohibited from using any Mark for any purpose without the express written permission of Columbian Life/Columbian Mutual. Columbian Life/Columbian Mutual expressly retains all intellectual property rights.

Informational Purposes Only

The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from Columbian Life/Columbian Mutual. The information Included on this Site is not an offer to sell any product in any state or other jurisdiction, nor should you rely solely on this information in reaching ANY decision. This information is not intended to provide legal or tax advice; please consult your legal or tax professional for more information

Products Not Available in All States and Countries

The products described on this Site may not be available in all states or other jurisdictions.

This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this website content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. The laws of the State of New York will govern the content and materials contained in this web site, without giving any effect to any principles of conflicts of laws.

Columbian Life/Columbian Mutual and its affiliates and subsidiaries are not authorized to do business in every U.S. jurisdiction. Information that Columbian Life/Columbian Mutual publishes on this web site may contain references or cross-references to products, programs, or services of Columbian Life/Columbian Mutual, its subsidiaries or affiliates that are not available in your state or country. The products referred to on this web site are offered and sold only in jurisdictions where Columbian Life/Columbian Mutual is authorized to transact business.

Policy Restrictions, Limitations and Terms

The products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, call 1-800-423-9765

No warranty

All information on this Site is provided to you “as is” without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics, or other items contained on this Site. Columbian Life/Columbian Mutual expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Columbian Life/Columbian Mutual has no obligation to update information on this Site, so such information may be out of date at any given time. Columbian Life/Columbian Mutual also may make improvements or changes in products described on this Site at any time without notice.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server or link to this web site without prior permission of Columbian Life/Columbian Mutual. You may request permission by sending a request via e-mail from the “Contact Us” page.

Linked Internet Sites

You may leave this Site and access other sites on the World Wide Web that Columbian Life/Columbian Mutual does not maintain. Columbian Life/Columbian Mutual is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User’s own risk.

Privacy Notice

Please refer to the privacy notice section on the home page of the Site. Personal information transmitted to us will be treated in accordancewith our Privacy Policy.

Use of Cookie Files

Some sites and pages within our Sites use "cookies." A cookie is a small file that is stored on the User’s hard drive and contains no personally identifiable information about you and your usage of our sites. A cookie cannot read data off your hard drive or read cookie files created from other sites. You are free to decline our cookie if your browser has been set to prompt or decline cookies

Limitation of Liability

Columbian Life/Columbian Mutual specifically disclaims any liability (whether based in contract, tort, statutory, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Columbian Life/Columbian Mutual has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstance will Columbian Life/Columbian Mutual be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability

Columbian Life/Columbian Mutual makes no representation as to the financial or other suitability of any product described on this Site for any User. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a competent financial advisor.

Forward-Looking Statements

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and Columbian Life/Columbian Mutual cannot give assurance that such statements will prove to be correct.

You can identify these statements by the fact that they do not relate strictly to historical or current facts. They typically use words such as “anticipate, ” “estimate, ” “expect, ” “project, ” “intend, ” “plan, ” “believe, ” and other similar words. Any or all of the forward-looking statements here or in other publications may turn out to be incorrect.

Forward-looking statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many such factors will be important in determining our actual future results. Consequently, there can be no assurance that the results described in such forward-looking statements will be realized. The risks and uncertainties that may cause actual results to differ materially from those expressed in such forward-looking statements include, but are not limited to, the following: (i) changes in general economic conditions, including the performance of financial markets and interest rates; (ii) heightened competition, including with respect to pricing, entry of new competitors and the development of new products by new and existing competitors; (iii) unanticipated changes n industry trends; (iv) catastrophe losses; (v) adverse litigation or arbitration results; (vi) regulatory, accounting or tax changes that may affect the cost of, or demand for, the company’s products or services; (vii) downgrades in the company’s and its affiliates claims paying ability, financial strength ratings or debt ratings; (viii) changes in rating agency policies or practices; (ix) discrepancies between actual claims experience and assumptions used in setting prices for the company’s products and establishing the liabilities for the company’s obligations for future policy benefits and claims; (x) discrepancies between actual experience and assumptions used in establishing liabilities related to other contingencies or obligations; (xi) the effects of business disruption or economic contraction due to terrorism or other hostilities. The company specifically disclaims any obligation to update or revise any forward-looking statement, whether as a result of new information, future developments or otherwise. Given these uncertainties, you should not place undue reliance on these forward-looking statements.

Changes to Rules and Regulations

Columbian Life/Columbian Mutual reserves the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Rules and Regulations

Columbian Life/Columbian Mutual reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.