Website Terms of Use Website Terms of Use: This Site (“Site”) is created, controlled and published by Prosperity Life Insurance Group, LLC and its affiliates (“Prosperity” or “We”). The following Terms of Use (“Terms”) are rules that govern the use of this Site and its content. By accessing and/or using this Site, you are agreeing to be bound by the Terms and to comply with all applicable laws and regulations. If you do not agree to the Terms, you cannot use this Site. Certain services or features and certain areas within this Site may be governed by additional terms (“Additional Terms”) presented in conjunction with those services, features or areas. The Additional Terms and these Terms, taken together, shall apply to your use of those services, features or areas. If there is any inconsistency between the Additional Terms and these Terms, the Additional Terms shall control. We may occasionally revise the Terms and Additional Terms based on changes to the Site, among other factors. Any revisions go into effect once they are posted. Prosperity Life Group℠ Prosperity Life Group℠ is a marketing name for products and services provided by one or more of the member companies of Prosperity Life Insurance Group, LLC, including SBLI USA Life Insurance Company, Inc., S.USA Life Insurance Company, Inc., and Shenandoah Life Insurance Company. This Site is owned and operated by Prosperity Life Insurance Group, LLC, a Delaware limited liability company with its principal place of business at 4415 Pheasant Ridge Road, Suite 300, Roanoke, VA 24014, on behalf of the Prosperity Life Group member companies offering insurance and related financial products and services in the United States. Product Offerings The products and services described on this Site are offered by the individual member companies of Prosperity Life Group or their distributors. Please be aware that some of the products, services, product features or underlying investment options described on this Site may not be available in your state and generally are not available outside the United States. The laws of each country, state or territory may differ. References to products or services that are not available in your jurisdiction do not imply that such products or services will be made available to you, and nothing on this Site shall be considered a solicitation to buy or an offer to sell a security, insurance product or service to any person in any jurisdiction where such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Your eligibility for certain products and services is subject to final determination of underwriting qualifications or other eligibility criteria and acceptance by the member company providing such product or service. Privacy and Protection of Personal Information Please review the Privacy Policy to learn about our information practices regarding the collection, use, disclosure and protection of personal information (Link). Disclaimer of Warranties Although our intent is to provide accurate and up-to-date information on this Site, that is not always possible. We make no warranty or representation that the information and material contained in this Site is complete, accurate, up-to-date or error-free or that known defects will be corrected. Content, services, or functions available on this Site may contain inaccuracies or errors and may be revised or updated at any time without notice. ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, OR ANY OTHER SITE LINKED TO THIS SITE, ARE PROVIDED “AS IS” AND ‘AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties, in which event any required warranty applies to the minimum extent legally required. Limitation of Liability IN NO EVENT WILL PROSPERITY OR ITS PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DAMAGES, INCLUDING DIRECT, SPECIAL. INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, ARISING OUT OF OR RELATED TO THE USE OF, OR THE INABILITY TO USE, THIS SITE OR ANY OTHER LINKED SITE OR OBTAINED FROM YOUR USE OF THIS SITE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. This disclaimer of liability applies to any damages or injury caused by, without limitation, any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages, in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required of or as a result of or related to using this Site. In no event shall the total liability to you of Prosperity and its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives, attorneys and their respective heirs, successors and assigns for all damages, losses and causes of action -- whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise -- exceed the amount paid by you, if any, for accessing this Site. Availability Prosperity may alter, suspend or discontinue this Site or your access to use it at any time for any reason without notice or liability to you or any third party. This Site may also become unavailable due to maintenance or malfunction. No warranty or representation is made that any Content, service, product or function, including without limitation any downloadable files, available at this Site is free of computer viruses, malware or other destructive or harmful programs, software, code or devices which may erase, scramble, lock or disable any computer software, content or equipment or may prevent users from using a site or any other item of hardware or software. You should routinely scan your system and downloaded files for such disabling devices. No Responsibility for Links This Site may contain links to and frames of sites owned or operated by third parties (“Third Party Sites”). We are not responsible for the content of any Third Party Sites and cannot guarantee that such sites will not change without our knowledge. Inclusion of links to and frames of Third Party Sites in this Site does not imply our endorsement, authorization, or sponsorship of the Third Party Sites or their content, unless specifically stated otherwise on that site. We accept no responsibility for the content, products or services provided on any Third Party Site. Your decision to access such Third Party Sites is solely at your own risk. We are not liable for any damages you may incur as a result of clicking on a link to any Third Party Site. Proprietary Information/Copyright All information, material and content accessible or generated by this Site, including, but not limited to text, graphics, images, icons, software applications and code, video, audio, and user interface design (“Content”) is the proprietary information of Prosperity or our licensor, and is protected by United States and foreign bility criteria and acceptance by the member compcopyright laws and conventions. Prosperity or our licensor retains all right, title and interest in and to the Content. You may print a copy of the Content for personal use only, provided that you do not remove or alter, or cause to be removed or altered, any copyright, trademark, service mark, or any other proprietary notice or regulatory disclosure. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of the Content for commercial or public purposes or for any other purpose not expressly permitted by these Terms. Trademarks The trademarks, service marks, and logos (“Trademarks”) used and displayed on this Site are registered and unregistered trademarks of the member companies of Prosperity, or are owned by others and used with the owner’s permission. You may not use, copy, download, display, transmit or modify any Trademark without the prior written consent of its owner. Use of any Trademark as part of a link to or from any site is also prohibited unless establishment of such a link is approved in advance in writing by Us. Not Providing Investment Advice or Soliciting Offers This Site does not provide personalized investment advice. All information available to you on or through this Site is provided for informational purposes only, and no reference to any specific security constitutes a recommendation to buy, sell or hold that security or any other security. No security product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not Providing Legal or Tax Advice The information found on this Site is not intended to be, and must not be taken to be, legal or tax advice to any customer, prospective customer or other member of the public. You should rely solely on the advice of your own attorney, accountant, or other professional advisor with respect to legal and tax matters. Third Party Content We may provide information on this Site supplied by third parties, or links to such information. These are provided for convenience and for general informational purposes only. Any views, opinions, advice or information expressed or made available by a third party and displayed or linked in this Site are those of such third party only and do not reflect those of Prosperity. We do not guarantee or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any of the views, opinions, advice or information expressed or made available by a third party and displayed or linked in this Site. Reference within the articles to any specific commercial products, processes, or services by trade name, trademark, manufacturer, or otherwise does not constitute or imply its endorsement, recommendation, or favoring by Prosperity. Nor shall any information or statements contained in these articles be used for the purposes of advertising, or to imply an endorsement or recommendation. Children This Site is not intended to market any products or services to children under thirteen (13) years of age. We do not knowingly gather or solicit data from children under thirteen (13) years of age through this Site for marketing or any other purpose. By using this Site, you represent that you are thirteen (13) years of age or older. Governing Law/Miscellaneous These Terms are governed by the laws of the Commonwealth of Virginia, without regard to its conflict of laws provisions, and shall inure to the benefit of Prosperity or its successors and assigns, whether by merger, consolidation or otherwise. If you take legal action relating to these Terms or your use of this Site, you agree to file such action only in the Commonwealth of Virginia and you consent to submit to the personal jurisdiction of the state and federal courts of the Commonwealth of Virginia for purposes of pursuing any such action. Any cause of action you may have arising out of or related to your use of this Site must be commenced within one (1) year after the cause of action arises. The headings used in these Terms are included for convenience only and will not limit or affect in any way the Terms. We reserve the right to seek all remedies available at law and equity for violations of these Terms, as well as the right to restrict access to this Site or any portion of it. These Terms represent the entire agreement between Prosperity and you relating the subject matter herein. If any provision of these Terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these Terms and will not affect the validity and enforceability of the remaining provisions. Let life flourish. Policy Holders Agents & Brokers Start a Claim What We Offer Who We Are Contact Us Terms of Use Legal Disclosures Privacy Notices Prosperity Life Group℠ is a marketing name for products and services provided by one or more of the member companies of Prosperity Life Insurance Group, LLC, including SBLI USA Life Insurance Company, Inc., S.USA Life Insurance Company, Inc., and Shenandoah Life Insurance Company. Members not licensed in all states. Only SBLI USA Life Insurance Company, Inc. is authorized to do business in New York. Each company offers a variety of insurance products and is solely responsible for its own financial and contractual obligations. SBLI USA Life Insurance Company, Inc. is not affiliated with The Savings Bank Mutual Life Insurance Company of Massachusetts or The Savings Bank Life Insurance Company of Connecticut. © Prosperity Life Insurance Group, LLC. All rights reserved.