Terms and Conditions

Terms and Conditions of Use

FBL Financial Group, Inc. and its subsidiaries and affiliates (collectively, "FBL"), give you the ability to access our content online at our site(s) on the World Wide Web (the "Website"). You can use the Website for online access to your personal accounts (if available), our product information, educational content, our services, and self-help tools ("Online Activities").

When you access the Website, you're agreeing to these terms and conditions of use, plus any additional terms or conditions within the Website itself (collectively "Terms and Conditions"). The Terms and Conditions are in addition to any other agreements between you and FBL.

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

If you do not agree to be bound by the Terms and Conditions do not use this Website.

DISCLAIMER

THE MATERIALS ON THIS WEBSITE (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, FBL DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY. FBL DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FBL DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT FBL) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF ALL EQUIPMENT, DATA, OR OTHER ITEMS. 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. FBL may make changes to the Website materials and the product information at any time without notice and without obligation to update the materials contained on this Website

LIMITATION OF LIABILITY

FBL's Liabilities

WHILE FBL USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEBSITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. FBL MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THIS WEBSITE. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL FBL OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE WEBSITE 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 WEBSITE OR THE MATERIALS OR INFORMATION CONTAINED AT THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, EVEN IF FBL OR A FBL AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL FBL'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS WEBSITE OR THE MATERIALS.

FBL 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 WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THIS WEBSITE. FBL SHALL NOT BE LIABLE FOR ANY MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION 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

FFBL has the right to deny you access and use of the Website and its content if you violate (as FBL may determine in its sole and absolute discretion) any provision of these Terms and Conditions. FBL 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 FBL 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 Website or any of its content in a manner other than as expressly authorized by these Terms and Conditions, your breach of these Terms and Conditions or your violation of applicable laws or any rights of any third party.

PRIVACY

Please see the FBFS.com Website Privacy Policy Statement.

USING ELECTRONIC SIGNATURES

Online Access

For some Online Activities, FBL permits "Online Access," which includes the ability to use a personal computer equipped with an active connection to an

Internet Service Provider to access your FBL accounts, policies, or other products and to perform certain transactions as available. You may register for Online Access via the Internet.

In order to conduct some Online Activities, you agree to receive information applicable to your use of the Online Activities delivered to you electronically. These may include quotes, updates, notifications or other information that you request, transaction receipts, documents requiring your signature, or any other documents ("Communications"). Your consent does not mean that FBL must provide the Communications electronically; FBL may, at its option, provide the Communications through non-electronic means. As part of the Online Activities, many of these Communications are made available to you in non-electronic form. If you wish to withdraw your consent to receive information electronically through your use of the Online Activities, you may discontinue your use of the Online Access.

As part of the Online Activities, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by the terms and conditions in such Communication just as if you had signed your name to a paper document.

System Requirements

To receive, access, and reply to applicable Communications you will need:

a personal computer or other access device with Internet access,
a web browser which is capable of supporting 128-bit SSL encryption,
software that lets you get and open Portable Document Format or "PDF" files, and
the ability to download or print agreements and disclosures.

System Requirements to Retain Information

To retain the Communications sent to you electronically for your records, your system must have the ability to either download (e.g., to your hard disk drive, , CD-R, thumb drive/flash drive, etc.), print PDF files, or print web pages and embedded HTML files.

Printing for Signature

In some cases, you must print, complete, and sign Communications with a pen, and then return them to FBL according to the instructions on the document. To do this, you must have a functioning printer connected to your personal computer or other access device which is able to print Communications and the instructions on plain, white 8||special189|| x 11 inch paper.

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, icons and any other proprietary information (collectively, "Intellectual Property") are licensed or proprietary to FBL. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Intellectual Property displayed on this Website without the written permission of FBL or such third party that may own the Intellectual displayed on this Website. Your use of the Intellectual Property 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, FBL. 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 Website are copyrighted and any unauthorized use of any materials on this Website may violate copyright, trademark, and other laws. If you breach any of these Terms and Conditions, your authorization to use this Website automatically terminates and you must immediately destroy any downloaded or printed materials.

RESTRICTIONS ON USE OF MATERIALS

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

HYPERLINKS AND LINKED WEBSITES

This website may be linked to other websites which are not maintained by FBL. Links on this Website to such third-party websites are provided solely as a convenience to you. If you use these links, you will leave this Website. FBL 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 websites imply approval of or endorsement by FBL of the websites or the content thereof. THUS, FBL 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 WEBSITES. IF YOU DECIDE TO ACCESS ANY OF THE THIRD-PARTY WEBSITES LINKED TO THIS WEBSITE, YOU DO SO ENTIRELY AT YOUR OWN RISK. This Website 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

FBL administers this Website from its offices in West Des Moines, Iowa 50266. Unless otherwise expressly set forth herein, FBL makes no representation that materials on this Website 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 Website from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on this Website 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 Website do so on their own initiative and are responsible for compliance with local laws. These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Iowa, without giving effect to any principles of conflicts of laws. You consent to exclusive jurisdiction and venue in Polk County, Iowa and waive any objections or defenses based on lack of personal jurisdiction or venue.

The information and material contained on this Website 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. All of our insurance companies are United States companies, servicing United States residents; however, not all products are available in all states. The information provided on this Website does not apply to nor are the insurance products and services of our companies available to residents of any state not identified herein or of any foreign country. For more information about the products and services mentioned on this site, please contact your local agent or go to the agent locator 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 Website, 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 FBL's Privacy Policy or otherwise injurious to FBL or third parties; and that will not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by FBL), 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 e-mail address and represent that you are the individual identified by the address. If you wish to submit materials to the website, 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 FBL and you grant FBL 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 FBL 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 FBL or others licensed by FBL to use Visitor Submissions may be attributed to you unless the visitor has expressly requested anonymity. FBL reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to FBL's sole discretion and judgment. FBL otherwise reserves the right to remove Visitor Submissions from the Website 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 FBL.

IMPORTANT DISCLOSURES ABOUT FBL PRODUCTS

Product, coverage, discounts, 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 contracts, policies, and/or declaration pages from FBL-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply. Product issue is subject to underwriting guidelines, review, and approval. Products and discounts are not available to all persons in all states. Property-casualty insurance products offered through Farm Bureau Property & Casualty Insurance Company and Western Agricultural Insurance Company are available in the following states: Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota, Utah. Life insurance and annuity products offered through Farm Bureau Life Insurance Company are available in the following states: Arizona, Idaho, Iowa, Kansas, Minnesota, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Utah, Wisconsin, Wyoming. Securities products and services are offered through: FBL Marketing Services, LLC, 5400 University Avenue, West Des Moines, Iowa 50266 1-877-860-2904.

The information contained herein was prepared to promote and support the marketing of the products and services of FBL. 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 Website is the copyrighted work of FBL 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 Website 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. FBL does not authorize the downloading or exportation of any software or technical data from this Website 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 and Conditions, these Terms and Conditions set forth the entire understanding between FBL and you with respect to your access to, and use of, the Website and its content and supersedes all prior or contemporaneous understandings regarding access and use.

Severability

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

Waiver

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

COPYRIGHT NOTICE

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

Effective December 4, 2014

Last Updated December 4, 2014