Disclaimers
Welcome to LBL.com, the website of Lincoln Benefit Life Company! By using this website, you signify your assent, without limitation or qualification, to the following terms and conditions of use. Please read these terms and conditions carefully before using the website. Lincoln Benefit Life may at any time revise these terms and conditions by updating this posting. Because you are bound by any revisions to this statement, you should periodically revisit this page to review the current terms and conditions by which you are bound.
For informational purposes only
The content of LBL.com is intended for informational purposes only. The information on this website is not an offer to sell or a solicitation of an offer to buy any security or insurance product. Products and services offered by Lincoln Benefit Life are not available in all states.
Information provided on this website is believed to be accurate and reliable when posted. Lincoln Benefit Life cannot, however, guarantee information will be accurate, complete and current at all times. LBL.com may also contain technical inaccuracies or typographical errors. Lincoln Benefit Life will from time to time revise the information, products and services described in this website, and Lincoln Benefit Life reserves the right to make such changes without notice.
No professional advice offered
This website does not, and is not intended to provide any financial, insurance, legal, accounting, or tax advice, nor shall you rely on the information contained in this website for any financial, insurance, legal, accounting, tax advice or strategies applicable to your specific situation.
Viruses
There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about the possibility of infections or viral contamination of your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Lincoln Benefit Life shall not be responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to the Lincoln Benefit Life website. You, and not Lincoln Benefit Life, assume the entire cost of all necessary servicing, repair or correction related to computer viruses.
Security
Lincoln Benefit Life takes all reasonable precautions in seeking to ensure that our systems are secure and that they meet industry standards, including the application of firewalls for our Internet-based systems. When appropriate, Lincoln Benefit Life employs the use of encryption technologies, user authentication systems (e.g., passwords and personal identification numbers) and access control mechanisms.
Information provided "as is."
The materials contained in the Lincoln Benefit Life website are provided “as is” and without any warranties of any kind, expressed or implied. Lincoln Benefit Life disclaims all warranties, expressed or implied, including but not limited to warranties of merchantability and fitness for a particular purpose. Lincoln Benefit Life does not warrant that the access to the Lincoln Benefit Life website will be uninterrupted, that the materials contained therein will be error-free, that defects will be corrected, or that the website or server are free of viruses or other harmful components.
Limitation of damages
Under no circumstances shall Lincoln Benefit Life be liable for any direct or indirect, special, incidental, or consequential damages arising out of the use or inability to use the materials on this website, even if Lincoln Benefit Life or an authorized agent or broker, contractor, or representative of Lincoln Benefit Life has been advised of the possibility of such damages. If applicable law does not permit the exclusion or limitation of liability or certain categories of damages, the above limitation or exclusion may not apply to you. In no event, however, shall Lincoln Benefit Life's total liability to you for all damages, losses, or causes of action exceed the amount paid by you, if any, for accessing this website.
Requirement of written agreement
All insurance and/or securities transactions between Lincoln Benefit Life and its customers are conducted based on signed, written agreements. The terms of these signed, written agreements are binding on the parties to the agreements. No other representation, whether made in person, online, electronically, in writing, or by graphic or verbal communication may alter the terms of those agreements.
Information for foreign investors
The services and products described on this website are made available only to persons in the United States, and the information on this website is only for such persons. Nothing on this website should be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities law or any law of such jurisdiction.
Copyright policy
Applicable copyright laws protect the contents of the Lincoln Benefit Life website. No permission is hereby granted to copy, distribute, modify, post, or frame any text, graphics, video, audio, software code, or user interface design or logos.
New York Protection Protocols for Victims of Domestic Violence
New York Insurance Law §2612 domestic violence law provides victims of domestic violence with important protections. Upon delivery of a valid order of protection, the insurer is prohibited (for the duration of the order) from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing covered services to the insured. If a child is a covered person, then the right established by this section may be asserted by the child’s parent or guardian. The full text of New York Insurance Law Section 2612 can be found on the New York State Legislature’s website.
The Hartford maintains the confidentiality of, and refrains from disclosing, the information protected by Insurance Law Section 2612. To submit a request to receive communications by alternative means or at alternative locations, or to revoke such a request, please contact Hartford’s Consumer Affairs Unit at the following address:
Postal Address: Consumer Affairs, The Hartford, 200 Hopmeadow Street, B3 W-4, Simsbury, CT 06089
Phone Number: 800-451-6944
Fax: 860-843-8495
For further information on domestic violence services, you may contact the NYS Domestic and Sexual Violence Hotline by the following:
Lincoln Benefit Life Company Privacy Statement
Thank you for choosing Lincoln Benefit Life. We respect your privacy and work hard to protect your personal information. This statement is provided on behalf of Lincoln Benefit Life Insurance Company. We would like to explain how we collect, use and share the information we obtain about you in the course of doing business.
Our Privacy Assurance
Our privacy practices continue to apply to your information even if you cease to be a Lincoln Benefit Life customer.
The Internet and Your Information Security
LBL.com provides information about Lincoln Benefit Life, including how to contact us. You may also perform some transactions on the website. This Privacy Statement applies to users of LBL.com regardless of whether the user is a Lincoln Benefit Life customer.
You should exercise discretion with respect to the submission of any personal or financial information via email. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. We are not responsible for the security or confidentiality of communications you send to us through the Internet using email messages.
What can you do as a customer to help maintain the security of information when accessing Lincoln Benefit Life over the Internet?
Some steps you can take to maintain the security of your information include:
Lincoln Benefit Life provides links to our administrator sites as a convenience to visitors of Lincoln Benefit Life’s website. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information. Please be aware that each site has its own privacy policy based on the functionality of the site. We encourage you to read the privacy policies of every website you visit, as the privacy policies of those sites may differ. We hope you have found this important notice helpful. If you are not comfortable with any of the terms or policies described in this Privacy Statement, we ask that you discontinue use of our site. Please be aware, we may periodically update or revise this Privacy Statement.
We reserve the right to change our privacy practices, procedures, and terms.