You should review these terms and conditions regularly as they may change at
any time at our sole discretion. Southern Farm Bureau Life Insurance Company
requires that each visitor (a “User”) to this Internet site on the World Wide
By accessing this website and the information contained herein, you acknowledge that you have read, understand,
accept and agree to be bound by the terms and conditions that follow. If you do not agree with these terms and
conditions, please refrain from accessing or using this website.
CONDITIONS OF USING WEBSITE Back to top
By accessing, viewing, printing, using or downloading materials from this website,
and further agree to accept all terms and conditions contained herein, and under
each separate heading below, without limitation or qualification and agree to be
regardless of how you may have accessed this website. If you do not agree to be
legally bound by each term specified herein, you must discontinue your use of this
website and exit this website immediately. Southern Farm Bureau Life Insurance Company
(SFBLIC) reserves the right, in its sole discretion, to modify or change these Terms of
Use at any time and without prior notice to you. Your continued use of this website
following our posting of any changes constitutes your acceptance of the then current
to this website, you are not authorized to use this website. You may not use this
website to engage in any illegal activity or conduct that is defamatory, libelous,
threatening or harassing or that infringes upon a third party’s intellectual property
or other proprietary rights. You also agree that any information you provide through
this website will be truthful and accurate. In order to use this website, you must
also be (a) of the age of majority in the state of your residence; and (b) have the
power and legal capacity to enter into a binding contract and not be barred from doing
so under any applicable laws in your place of residence. If you do not meet these
WE ARE NOT PROVIDING ADVICE OR SOLICITING OFFERS Back to top
This website does not, and it is not intended to, provide any financial, investment,
retirement planning, insurance, legal, accounting, or tax advice. Southern Farm Bureau
Life Insurance Company, its employees and representatives are not authorized to give tax
or legal advice. Individuals are encouraged to seek advice from their own tax or legal
counsel. This website should not be used or relied upon by you as a substitute for your
independent research or professional advice. Nothing in this website constitutes an offer
to sell or a solicitation of any offer to buy any insurance product or service. All
products and services are subject to the terms and conditions of those applicable
policy / agreements. Your use of this website shall be on an “as is” basis and entirely
at your risk. Neither Southern Farm Bureau Life Insurance Company, nor any officer,
director, agent or employee thereof, nor any person associated with the creation of this
website or its contents, shall be liable or responsible to any person for any harm, loss
or damage that may arise in any connection with your use of this website, including without
limitation any direct, indirect, special, third party, or consequential damages.
WEBSITE CONTENT Back to top
The information contained on the pages of this website is subject to modification and update
from time to time and without notice. We do not guarantee or ensure the accuracy, completeness,
timeliness or authenticity of any website functionality, or transmission of any website content
from this website to you. It is possible that in spite of our best efforts, information on this
website may become outdated, or contain inaccuracies or errors. Information on this website may
be changed or updated without notice. SFBLIC has no obligation to update information on this
website, so such information may be out of date at any given time. SFBLIC may also make
improvements or changes in products described on this website at any time and without notice.
Other World Wide Web sites that may be accessed from or provide access to this website by
hypertext links are entirely independent of this website. Southern Farm Bureau Life
Insurance Company is not responsible for the content of those websites. The inclusion of any
other website acknowledgments, identification of any person or entity in this website, or any
hypertext link to or from another website shall not, in any manner, be construed as an endorsement
of such person or entity’s World Wide Web site, products, services or contributions to this website.
The information and descriptions contained on our website are not intended to be complete
descriptions of all terms, exclusions and conditions applicable to every insurance product or
service offered by SFBLIC, but are provided for general information purposes only. SFBLIC makes
no representations or warranties that the materials are suitable for your needs, are complete,
timely, reliable, or are free from errors, inaccuracies or typographical mistakes. SFBLIC does
not warrant that this website will operate “error free” or is free from computer viruses, worms,
Trojan horses or other destructive or harmful computer code. It is your responsibility to take
appropriate precautions, such as the use of an anti-virus software package, to protect your computer
hardware and software. SFBLIC also assumes no responsibility and shall not be liable for any damage(s)
to your computer equipment or to other property as a result of your access to, use of, or browsing
in this website or your downloading of any materials, data, text, images, audio or video from this
website or arising in connection with any failure of performance, error, omission, interruption, defect,
computer virus, delay in operation or transmission or line or system failure. SFBLIC also does not warrant
the error free and uninterrupted service of this website.
OWNERSHIP OF INFORMATION Back to top
All information, other than personal data or information (including e-mail addresses), submitted to
SFBLIC via this website, including data, requests, questions, comments, inquiries, or suggestions will
be treated as non-confidential and non-proprietary and shall be deemed and remain the property of SFBLIC.
SFBLIC shall not be subject to any obligations of confidentiality regarding submitted information except
as expressly agreed by SFBLIC or as required by law. Application information, and other personal health
and financial information submitted to SFBLIC, shall be treated confidentially to the extent required by
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 website, without the
prior written permission of SFBLIC. Nothing on this website should be construed as granting, by implication,
estoppel, or otherwise, any license to use any trademark without SFBLIC’s written permission. The “Southern
Farm Bureau Life Insurance Company,” “SFBLIC” or SFBLIC’s logo may not be used in any way, including in
advertising or publicly pertaining to distribution of materials on this web site, without prior written
permission. You are not authorized to use SFBLIC’s logo as a hyperlink to this website unless you obtain
our written permission in advance.
SENDING E-MAILS TO SFBLIC E-MAIL e-mail Addresses Back to top
The Southern Farm Bureau Life Insurance Company e-mail system is a private e-mail system intended only for
purposes authorized by SFBLIC. You are not authorized to send numerous unsolicited commercial e-mail messages
to any e-mail addresses at @sfbli.com. SFBLIC reserves the right to take actions as may be necessary to prevent
misuse of its e-mail system by unauthorized parties.
WEBSITE ACCESS AND WEBSITE SECURITY Back to top
You should be aware that, in general, information sent through the Internet is not secure. E-mail services that
may be provided through this web site generally are not encrypted and do not provide a secure and private means
of communication with us. Certain services on this website do provide a secure means to communicate with us, and
you will be advised when you are using such a service. While SFBLIC may provide those technologies and other
reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that
information transmitted through the Internet is secure, or that such transmissions will be free from delay,
interruption, interception or error. To protect your own privacy, confidential and/or personal information it should
only be communicated via e-mail when you are advised that you are using a secure mechanism. We cannot guarantee or
warrant that any part of this website, including any files available for download, are free of viruses or other
harmful computer code. It is your responsibility to take appropriate precautions, such as use of an anti-virus
software package, to protect your computer hardware, software and e-mail account(s).
CONDUCTING TRANSACTIONS ON THE WEBSITE Back to top
You may be able to conduct certain transactions through the website, including, but not limited to, the ability to
request a change of address, change of beneficiary, or a change of mode or method of premium payment. By using the
website to gain access to your account or other personal information, you consent to electronic transmission of that
information. You can only execute transactions, or obtain personal account information, by following the instructions
stated within the appropriate log-on section of the website. When using the website to execute transactions, problems
may occur that are beyond SFBLIC’s ability to correct. Access to the website may be limited during period(s) of peak
demand, systems upgrading, maintenance or other reasons. If you are not able to complete your request or transaction
due to a system failure; fail to receive written confirmation of a transaction or its execution (if applicable); or
receive confirmation of a request or transaction you did not request, you must contact SFBLIC immediately. SFBLIC will
not assume responsibility for such system failures and errors.
DISCLAIMER OF WARRANTIES Back to top
EXCEPT AS PROHIBITED OR LIMITED BY LAW, YOUR USE OF THE WEBSITE, ANY CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH
THE WEBSITE IS AT YOUR OWN RISK. ALL INFORMATION PRESENTED THROUGHT THE WEBSITE IS FURNISHED “AS IS” WITHOUT ANY EXPRESS
OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, OR NONINFRINGEMENT OF INTELLECTUAL PROPERTY. WITHOUT LIMITING THE FOREGOING, SFBLIC DOES NOT REPRESENT OR WARRANT
THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THEREIN WILL BE ACCURATE, ERROR FREE, OR UNINTERRUPTED,
THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT THE WESBITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPUTER CODE.
LIMITATION OF LIABILITY Back to top
IN NO EVENT WILL SOUTHERN FARM BUREAU LIFE INSURANCE COMPANY, ITS AFFILIATES, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS
(THE “SFBLIC PARTIES”) BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH
YOUR USE OR INABILITY TO USE THE WEBSITE, ANY WEBSITES LINKED THROUGH THE WEBSITE, OR ANY SERVICES OR ITEMS OBTAINED
THROUGH THE WESBITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING
BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF
BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH
OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such,
jurisdictions, SFBLIC’s liability is limited to the greatest extent permitted by law.
TRADEMARKS AND COPYRIGHTS Back to top
This website’s content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition,
this website’s content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and
statutes. You are not authorized to post on or transmit to or from this website any unlawful, threatening, libelous, defamatory,
obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil
or criminal liability under the law.
All material 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 SFBLIC and are protected by copyright and
intellectual property laws. Nothing contained in this website should be construed as granting, by implication or otherwise,
any license or right to use, copy, redistribute, reproduce, republish, upload or download, any Trademarks or other information
found on this website without prior written permission of SFBLIC. You may not alter, modify, publish, copy, distribute or otherwise
use any content of this website without SFBLIC’s express permission. You may not include the Southern Farm Bureau Life Insurance
Company name, the abbreviation “SFBLIC”, or any logo, mark or any variation of the foregoing, as a metatag, hidden textual
element, or any other indicator that may create an impression of affiliation, partnership, joint venture, sponsorship,
endorsement or any other relationship between this website, SFBLIC or any affiliate and any other site, person, entity or organization.
The use of Trademarks by you, or anyone else authorized by you, except as provided herein, is strictly prohibited. You may
use information contained 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 be a violation of law.
ACCESSING AND VIEWING POLICY / CONTRACT / CERTIFICATE INFORMATION Back to top
Regarding policy information that this website may permit you to view, including making requests relating to your policies
and/or to receiving other information or services relating to your policy, contract or certificate with us, requires a
compatible personal computer and a secure web browser. Access to interactive services also requires an electronic identification
that consists of a user name, password, or other security measures that SFBLIC may require. By obtaining a user name and
password, you agree that the use of this electronic identification is the legal equivalent to your written signed instructions
to SFBLIC and that your identity as an authorized user of our online services may be determined solely by your user name
and password. Any user name or password created by you must relate to a SFBLIC policyholder. You acknowledge that because
user authentication on the Internet is difficult, SFBLIC cannot and does not confirm that each user is who they claim to be.
Thus, you also agree that by accessing this website, your identity may be later verified, authenticated and confirmed, if
requested by SFBLIC, and you also represent that you are not accessing this website using some fictitious or fraudulent
form of identity, false pretense or otherwise illegal means. SFBLIC reserves the right to deny creation of any user account
based upon SFBLICs inability to verify the authenticity of your registration information. SFBLIC may also, in its reasonable
discretion, agree with a licensee on alternate methods of user authentication, as SFBLIC may deem appropriate.
By establishing a personal profile with a user name and password, you may be able to access your policy, contract or certificate
information on this website. In doing so, you may be transmitting personal information. By using this website to gain access to
your policy, contract and/or certificate information, you consent to the electronic transmission of that personal information.
You are solely responsible for the confidentiality and use of your user name and password. You accept full responsibility for
all requests or transactions entered using your password. You may not share your password or other access information with
any other party, temporarily or permanently, and you shall be responsible for all uses of your sire registrations and password,
whether or not authorized by you. You acknowledge that you are responsible for the safekeeping of your user name and password
and that SFBLIC is unable, and under no obligation, to confirm the identity or authority of any user of our online services.
Further, you are fully responsible for all activities (including any transactions entered into) under your account, PIN, user
names, passwords and security questions and answers that may result from your negligence, carelessness, misconduct, or failure
to use or maintain appropriate security measures. You agree to immediately notify us if your password is lost or stolen, if you
become aware that your password is being used in an unauthorized manner, if you receive any confirmation of a request or
transaction that you did not enter, or if you receive confirmation or a report containing conflicting or inconsistent information
regarding your policy, contract or certificate with us. SFBLIC will not be liable for any loss or damage arising from your failure
to comply with this paragraph. You agree to use the website to access only those policies, contracts or certificates on which you
are authorized to act, and you agree to use your own user names, PIN and security questions and answers when accessing policies,
contracts or certificates on which you are authorized to act. You agree not to obtain or attempt to obtain unauthorized access to
the website through any means not intentionally made available to you by SFBLIC.
Failure to notify SFBLIC of one of the above conditions will release SFBLIC and our employees, agents and affiliates from any
responsibility or liability to you or any other person or entity resulting from the management or loss of any transaction.
We reserve the right to discontinue electronic access to your policy, contract or certificate information at any time. We
further reserve the right to modify the information contained on this website or modify the availability of any transactions
at any time. We may immediately and without notice terminate your ability to access your policy, contract or certificate
Some portions of this website are restricted and require authorization for access. Unauthorized use of or access to these
areas is 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 may be viewed, monitored and recorded and any information obtained may be given
to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system.
AVAILABILITY OF PRODUCTS AND SERVICES Back to top
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 / contract for complete details of coverage. Products and their features listed may not be
available in all states. Policy approval and issuance is not guaranteed and is subject to personal health history and satisfaction
of specific underwriting guidelines. You may not be eligible for all products and services and SFBLIC reserves the right to
determine eligibility in accordance with its underwriting guidelines and as permitted by applicable law.
ALL PRODUCTS AND SERVICES MAY NOT BE AVAILABLE IN YOUR AREA Back to top
This website is controlled by us from our home office located in Jackson, Mississippi, in the United States of America. Except
as specifically stated, we make no representation that content or materials in this website are appropriate or available for
use in all jurisdictions. Access to this website content or materials from jurisdictions where such access is illegal is prohibited.
If you choose to access this website from other jurisdictions, you do so at your own risk. The laws of the State of Mississippi
will govern the content and materials contained in this website.
The information contained on this website is not an offer to sell or a solicitation to buy any insurance product or service.
No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase
or sale would be unlawful under the insurance laws or other laws of such jurisdiction. Southern Farm Bureau Life Insurance
Company is not authorized to do business in every jurisdiction. This website is not intended as a solicitation in any
jurisdiction in which SFBLIC is not authorized to do business. Information that SFBLIC publishes on this website may contain
references or cross-references to products, programs or services of SFBLIC that may not be available in your state or country.
Southern Farm Bureau Life Insurance Company sells life insurance and annuities offered by SFBLIC in Jackson, Mississippi. Southern
Farm Bureau Life Insurance Company is licensed in Arkansas, Colorado, Florida, Georgia, Kentucky, Louisiana, Mississippi, North
Carolina, South Carolina, Texas and Virginia. NAIC Company Code Number 68896. Certain products and their features may not be
available in all states. Consult your local Farm Bureau agent for information regarding the products, programs and services
which may be available to you.
OTHER AGREEMENTS Back to top
you and SFBLIC.
GOVERNING LAWS Back to top
The terms and use of this website are governed by the laws of the State of Mississippi and/or additional laws governing
electronic communication and electronic commerce. SFBLIC makes no representation that the materials in this website are
appropriate or available in all other jurisdictions or are available for use outside the United States of America. If you
access this website from other locations, you do so at your own initiative and are responsible for compliance with all
applicable local laws. In accessing this website, you consent to the personal and exclusive jurisdiction of the state or
and your use of this website.
Last Modified March 2017.