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Terms & Conditions

PLEASE CAREFULLY READ THE TERMS AND CONDITIONS BELOW.  BY ACCESSING THIS WEBSITE YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS.  THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE.  ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE.  IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OR USE THIS WEBSITE.

Terms of Use

By accessing, viewing, using, or downloading materials from this Website you indicate that you have read and understand these Terms and Conditions of Use and further agree to accept all terms and conditions contained herein without limitation or qualification and to be legally bound by them. These Terms and Conditions of Use are applicable to your use of this Website regardless of how you accessed it. IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY EACH TERM SPECIFIED HEREIN, YOU MUST DISCONTINUE USING AND EXIT THIS WEBSITE IMMEDIATELY. AAA Life Insurance Company (“AAA Life”) reserves the right, in its sole discretion, to modify or change these Terms and Conditions of Use at any time without prior notice to you. Your continued use of this Website following the posting of any changes constitutes your acceptance of the then current Terms and Conditions of Use. If at any time, you choose not to accept these Terms and Conditions of Use, you are not authorized to use this Website.

Portions of this Website may be restricted and require authorization for access. Any unauthorized use or access to these areas, including but not limited to unauthorized entry in AAA Life's systems, misuse of passwords, or misuse of any posted information is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user or do not consent to continued monitoring, you should not attempt to access restricted areas.

You may not use this Website to engage in any illegal activity or conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this Website will be truthful and accurate.

Trademarks and Copyrights

All materials contained in this Website, including but not limited to names, phrases, logos, icons, graphics, images or designs, software, audio or visual materials, are trade names, registered or unregistered trademarks or service marks (collectively referred to as “Trademarks”) and are the property of or used with permission by AAA Life and are protected by copyright and intellectual property laws. Nothing contained in this Website should be construed as granting, by implication, estoppels, or otherwise, any license or right to use, copy, redistribute, reproduce, republish, upload or download, any Trademark or other information found on this Website without prior written permission of AAA Life. You are not authorized to use any portion of this Website on any other website, in the meta-tags of any other website, or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any content of this Website.

The use of Trademarks by you, or anyone else authorized by you, except as provided herein, is strictly prohibited. You may print out a single copy of the pages on this Website for your personal, non-commercial use provided that all copyright, trademark or other notices are retained and are not modified or revised in any manner. ALL OTHER USES ARE PROHIBITED. Any unauthorized use may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Ownership of Information

All information, other than personal data or information (including email addresses), submitted to AAA Life via this Website, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and shall be deemed and remain the property of AAA Life. AAA Life shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. AAA Life shall not be subject to any obligations of confidentiality regarding submitted information except as expressly agreed by AAA Life or as required by law. Application information submitted to AAA Life shall be treated confidentially to the extent required by applicable law or as otherwise disclosed in the application or AAA Life's Privacy Policy.

Software Licenses

Permission to use any software contained within this Website is granted only if you have registered to use the Website. If you are permitted to use the Website and software, AAA Life grants you a non-exclusive, non-transferable, temporary license to use the software. The software will remain the sole and exclusive property of AAA Life or its third party vendor. If at anytime, AAA Life’s authorization to use any software expires or terminates, your license to use the software is immediately and automatically revoked without any further action or notice to you. Under no circumstances other than for backup or archival purposes may you copy the software or any portion thereof without prior written consent. You are not authorized to download, copy, reverse engineer, decompile, or use any software or technical data from this Website in any manner other than as expressly authorized. You further acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations.

Links to Other Sites and Use of the Internet

This Website may contain links to other Websites for the convenience of users in locating information and services that may be of interest. If you use any linked website, you are leaving this Website. Any linked websites are entirely independent of this Website and may not be maintained by AAA Life. If you decide to visit any linked website, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. AAA Life is not responsible for the content of those websites and makes no warranties or representations about the content, accuracy of information, or quality of products or services offered on such websites. The inclusion of any linked website does not imply approval of or endorsement by AAA Life.

Use of the Internet is solely at your own risk and subject to all applicable state, national, and international laws and regulations. While AAA Life endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through the use of this Website, the confidentiality of any communication or material transmitted to or from AAA Life via this or other Websites or Internet electronic mail cannot be guaranteed, including personal information such as your address or social security number. AAA Life will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.

Disclaimer of Warranty

ALTHOUGH AAA LIFE TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION, THE CONTENT OF THIS WEBSITE MAY NOT BE ACCURATE, COMPLETE, OR CURRENT AND MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU SHOULD VERIFY ALL INFORMATION BEFORE RELYING ON IT AND DECISIONS BASED ON INFORMATION CONTAINED IN THIS WEBSITE ARE YOUR SOLE RESPONSIBILITY.


USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK AND ALL INFORMATION, SERVICES, MATERIALS, AND OTHER ITEMS ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, AAA LIFE, INCLUDING WITHOUT LIMITATION, ITS AFFILIATES, AGENTS, EMPLOYEES, AND THIRD PARTY CONTENT PROVIDERS, DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND TITLE. AAA LIFE DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEBSITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, OR THAT THE WEBSITE OR ANY MATERIALS WILL OPERATE IN AN ERROR FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE WEBSITE OR MATERIALS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SOFTWARE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. AAA LIFE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR RESULTS OF THE USE OF MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.

Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL AAA LIFE INSURANCE COMPANY BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE WEBSITE OR ANY MATERIALS, EVEN IF AAA LIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT AAA LIFE ASSUMES NO RESPONSIBILITY AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, BROWSING, OR DOWNLOADING OF ANY MATERIALS FROM THIS WEBSITE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. AAA LIFE SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, BUSINESS INTERRUPTION, LOST REVENUES OR LOST PROFITS, LOSS OF PROGRAMS OR OTHER DATA, OR OTHERWISE, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. IN NO EVENT SHALL THE TOTAL LIABILITY OF AAA LIFE TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE WEBSITE.

Indemnification

You agree to indemnify, defend, and hold harmless AAA Life, its affiliates, agents, directors, officers, and employees from and against any and all claims, losses, costs and expenses, including reasonable attorney fees and costs, arising out of or related in any way to your use of the Website, any breach by you of these Terms and Conditions of Use, your negligent or intentional acts, errors or omissions in regard to the subject matter herein, or violation of any law or regulation, or any proprietary or privacy right.

Governing Law and Jurisdiction

These Terms and Conditions of Use and any use of this Website are governed by the laws of the State of Michigan without reference to its conflicts of laws provisions and the federal laws of the United States of America as to their interpretation, validity and effect. AAA Life makes no representation that materials in the Website are appropriate or available for use outside the United States of America. If you access this Website from other locations, you do so on your own initiative and are responsible for compliance with all applicable local laws. You consent to the personal and exclusive jurisdiction of the state or federal courts located within the state of Michigan for any disputes arising out of these Terms and Conditions or your use of this Website.

Products and Services

The products referred to on this Website are underwritten by AAA Life Insurance Company. Product information and descriptions contained on this Website 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. Please refer to the actual policy for complete details of coverage. Products and their features listed may not be available in all states. Policy approval is not guaranteed and is subject to personal health history and specific underwriting guidelines. You may not be eligible for all products or services and AAA Life reserves the right to determine eligibility in accordance with its underwriting guidelines and as permitted by applicable law. AAA Life Insurance Company and its agents do not provide legal or tax advice. You may wish to consult independent legal, tax, or financial advice prior to the purchase of any policy. This Website should not be used or relied upon by you as a substitute for your independent research or professional advice.

AAA Life may discontinue or make changes to the information, products, or services described in this website at any time without prior notice to you and without any liability to you.  Any dated information is published as of its date only, and AAA Life does not have any obligation or responsibility to update or amend such information. AAA Life reserves the right to terminate any or all website offerings or transmissions without prior notice. By offering this website and information, products or services, via this website, no solicitation is made to any person to use the website or such information, products or services in jurisdictions where the provision of the website and such information, products or services is prohibited.

Insurance Quotes and Coverage

Online quotes may not be available in all states or for all products or coverage amounts selected. Please contact one of our life specialists for additional information about any of our products or benefits.

Other Agreements

These Terms and Conditions apply to your usage of our website. These Terms and Conditions do not alter or change any terms or provisions of any contract, policy, certificate, or other agreement between you and AAA Life Insurance Company.

Consent To Electronic Transactions, Signatures and Records

By transmitting information through this Website, you consent to the use of electronic transactions and electronic signatures on this Website, and receipt of electronic versions of certain records. You agree to be bound by any statement, affirmation, consent, or agreement you make or transmit through this Website, including but not limited to any consent you give to receive records or communications from AAA Life solely through electronic transmission. You agree that we are under no obligation to confirm the identity or authority of any user of this Website. You accept the risk that the information you transmit to us and any information that we transmit to you may be intercepted by third parties. You may withdraw your consent to the use of electronic transactions, signature and records, provided however, such withdrawal shall not nullify or void any prior electronic transactions or signature for which consent was provided.