MAPFRE Insurance

MAPFRE Life Insurance Company
Terms and Conditions

Your use of this web site in relation to an application for insurance with MAPFRE Life Insurance Company (hereinafter referred to as the “Company”) is governed by and subject to these Terms and Conditions. BY USING THIS WEB SITE TO SUBMIT AN APPLICATION OR OTHERWISE YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY ALL OF THESE TERMS AND CONDITIONS.

If you do not agree with these Terms and Conditions, you are not granted permission to use this web site and must exit this web site immediately.

This web site presents information and content that is owned or licensed by the Company. When used in these Terms and Conditions, “we”, “our” and “us” mean the Company. When used in these Terms and Conditions, “Representatives” means the officers, directors, employees, suppliers and agents (which shall include career agents and brokers) of the Company.

Changes

The content on this web site and these Terms and Conditions are subject to change or updating by the Company at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. YOUR CONTINUING USE OF THIS WEB SITE CONSTITUTES YOUR ACCEPTANCE OF ANY CHANGE OR UPDATE, ALL OF WHICH SHALL BECOME CONTROLLING WHEN POSTED.

Privacy Policy

Your personally identifiable information that we may collect is subject to our Privacy Policy, which is incorporated into these Terms and Conditions by reference.

No Reporting of Claims on this Site

You may not report a claim on this web site. In order to file a valid report of a claim, you must call us.

Financial Decisions

As with all financial matters, you should exercise great care in using the information provided on this web site or available through links from this web site. Nothing on this web site should be construed as rendering tax, legal, investment, or accounting advice.

Ownership and Use of Content

All of the information and content on this web site, including but not limited to all text, graphics, software applications, video and audio files, and photos ("Content") is owned, copyrighted, or licensed by the Company and/or its affiliated companies, and is protected by worldwide copyright laws and treaty provisions, unless otherwise indicated. The Company's logo, all other service marks, and the names of the various products and services described within are service marks of the Company or its affiliates. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and other proprietary notices. The use of the Content on any other web site or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another web site, is expressly prohibited without the prior written permission of the Company.

Hyperlinks

From time to time, as a convenience for you, we may provide links to third party web sites, or permit third parties to link to this web site. Links to or from a third party site, whether provided by the Company or not, do not imply any affiliation between the Company and the site owner, or an endorsement, approval, or verification by the Company of any content available on such third party sites. We do not periodically review these third party sites and we are not responsible or liable for the accuracy or completeness of the content on any such third party sites. By providing access to other web sites, the Company is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. Subject to the terms of applicable service or other agreements, we will remove any link from this web site upon request from the owner of the linked site.

When you click on any of those third party links, you may leave this website. Any personal information you submit on the resulting website will not be collected or controlled by us, and will be subject to the privacy policy of the resulting website. Please review the privacy policy of the resulting website for more information on their privacy practices.

Availability of Coverage

We do not in any way imply that the materials on the sites or the products we discuss are available or are for use outside of the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction. The offer to sell or buy a product is specifically limited to the jurisdiction(s) in which the Company and its Representatives have the authority to offer the insurance products described in this Web site. Some products and services may not be available in all jurisdictions. THE INFORMATION AND DESCRIPTIONS CONTAINED HEREIN ARE NOT NECESSARILY 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 OR THE RELEVANT PRODUCT OR SERVICE AGREEMENT.

No Warranty

WE WILL MAKE EVERY REASONABLE EFFORT TO INCLUDE ACCURATE AND UP TO DATE CONTENT ON THIS WEB SITE. HOWEVER, THE CONTENT ON THIS WEB SITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THIS WEB SITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE COMPANY AND ITS REPRESENTATIVES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY AND ITS REPRESENTATIVES MAKE NO WARRANTY THAT (I) THE OPERATION OF THIS WEB SITE WILL MEET THE USER'S REQUIREMENTS; (II) ACCESS TO THIS WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEB SITE WILL BE ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. YOU (AND NOT THE COMPANY OR ITS REPRESENTATIVES) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEB SITE. THE COMPANY AND ITS REPRESENTATIVES DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THIS WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT ON THIS WEB SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER PUBLICATION. THE COMPANY AND ITS REPRESENTATIVES UNDERTAKE NO OBLIGATION TO KEEP ANY SUCH INFORMATION CURRENT. THE COMPANY AND ITS REPRESENTATIVES ENDEAVOR TO MAINTAIN THIS WEB SITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEB SITE OR ITS OPERATION. TO THE EXTENT, IF ANY, THAT THE LAW DOES NOT PERMIT THE DISCLAIMER OF WARRANTIES, ALL CONTENT ACCESSIBLE ON THIS WEB SITE, OR ANY OTHER WEB SITE TO WHICH WE LINK, AND ALL OPERATIONS ON THIS WEB SITE ARE WARRANTED ONLY TO THE MINIMUM AMOUNT LEGALLY REQUIRED.

No Liability

IN USING THIS WEB SITE, YOU SPECIFICALLY AGREE THAT YOU WILL NOT HOLD THE COMPANY AND ITS REPRESENTATIVES LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE (OR ANY OTHER LINKED WEB SITE), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEB SITE (OR ANY OTHER LINKED WEB SITE). NEITHER THE COMPANY NOR ITS REPRESENTATIVES SHALL BE LIABLE EVEN IF THE COMPANY OR ANY REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE, COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the Commonwealth of Massachusetts, without giving effect to conflict of law principles thereof. Persons who access this web site do so on their own initiative, and are responsible for compliance with applicable local laws and regulations.

Choice of Forum

The Company and you: (a) hereby irrevocably submit to the jurisdiction of the federal and state courts in Boston, Massachusetts and (b) hereby waive to the extent not prohibited by applicable law, and agree not to assert, by way of motion, as a defense or otherwise any claim that (i) the Company or you is not subject personally to the jurisdiction of the above-named courts, (ii) any action, suit or proceeding may not be brought or maintained in one of the above-named courts, (iii) any such action should be dismissed on grounds of forum non conveniens, should be transferred to any court other than one of the above-named courts or should be stayed by virtue of the pendency of any other action, suit or proceeding in any court other than one of the above-named courts, or (iv) these Terms and Conditions or the subject matter hereof may not be enforced in or by any of the above-named courts.

The Company and you each hereby consents to service of process in any such action in any manner permitted by the laws of the Commonwealth of Massachusetts, agrees that service of process by registered or certified mail, return receipt requested is reasonably calculated to give actual notice and waives and agrees not to assert by way of motion, as a defense of or otherwise, in any such action any claim that service of process made in accordance with this Section hereof does not constitute good and sufficient service of process.

Entire Agreement

These Terms and Conditions constitute the entire agreement between the Company and you and it supersedes all prior agreements, whether written or oral between the Company and you, relating to this web site.

Online Services Terms and Conditions

Your use of the Online Services portion of this web site is also subject to the following Online Services Terms and Conditions:

Online Quotes

We rely on your accurate statements when we provide you with a quote. However, we will verify your information through THE USE OF THIRD PARTY RESOURCES, SUCH AS medical information bureau, motor vehicle, and prescription history reports, when you submit your application or decide to purchase a policy from us.

ONLINE QUOTES ARE PROVIDED AS PRICE ESTIMATES ONLY AND ARE SUBJECT TO CHANGE. ACTUAL PREMIUM AMOUNTS WILL BE DETERMINED AND PROVIDED BY US OR BY YOUR INDEPENDENT INSURANCE AGENT WHO MAY VERIFY INFORMATION PROVIDED AND WILL DETERMINE IF YOU ARE ELIGIBLE FOR ANY ADDITIONAL DISCOUNTS.

No Insurance Coverage without a Written Binder

No insurance coverages can be bound and no changes can be made to your policy, new or existing, unless and until you have received a written binder from us or your independent insurance agent.

Your submission of a completed form to us via this web site acts merely as a request for information - it does not constitute a binding coverage agreement.

The descriptions of products and services set forth on this site, including without limitation, terms, coverages, conditions and exclusions of the products and services, are provided for general information and illustration purposes only and are not intended to be, and should not be, construed as legally binding upon the Company. You should review carefully all of the materials supplied to you. If you have any questions, please contact us or your insurance agent.

If you do not hear from us on the next business day after submitting a request for information or a request for a change, please contact us.

User Name and Password

In order to take advantage of the online services contained on this web site you may be asked to select a user name and password. YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE SECURITY AND CONFIDENTIALITY OF YOUR USER NAME AND PASSWORD. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. The Company may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND THAT MAY ARISE AS A RESULT OF SOMEONE ELSE USING YOUR PASSWORD OR ACCOUNT, EITHER WITH OR WITHOUT YOUR KNOWLEDGE. HOWEVER, YOU MAY BE HELD LIABLE FOR ANY LOSSES INCURRED BY US OR ANOTHER PARTY DUE TO SOMEONE ELSE USING YOUR ACCOUNT OR PASSWORD.

eSIGNATURE CONSENT

CONSENT TO USE OF ELECTRONIC SIGNATURES AND RECEIPT OF DISCLOSURES EXCLUSIVELY THROUGH ELECTRONIC MEANS

Thank you for using the electronic application process offered by MAPFRE Life Insurance Company. You are applying for insurance coverage using electronic records, transactions and signatures. The Company is legally required to provide you with certain disclosures and information about your insurance application (“Required Information“). If you give consent, we can deliver this Required Information to you electronically. Your consent also permits the general use of electronic records and electronic signatures in connection with your application.



IMPORTANT INFORMATION!
PLEASE READ THIS NOTICE CAREFULLY. PRINT OR DOWNLOAD A COPY FOR YOUR RECORDS.


Disclosures and Consent to Use of Electronic Signatures

By electronically signing this document, you are saying you agree to use of electronic transactions and electronic signatures on this web site, and to receiving electronic versions of certain records. You are also agreeing to be held to any agreement you make or transmit through the Internet or this web site, including your consent to receive the Required Information from us only by electronic transmission. You agree that, by using this web site, your consent will be as legally binding and enforceable as if you had signed on paper. You are entitled to change your mind and withdraw your consent. However, you would then no longer be able to use this section of the web site and you will not be able to complete your application electronically with the Company. If you also want a paper copy of the Required Information, but still want the Company to process your application electronically, we will still need your consent to receive Required Information electronically. You will not be charged for paper copies of any information you request. If you consent to electronic delivery of Required Information and then decline the e-signature process, the Company cannot continue processing your application electronically. Your consent applies to all Required Information that the Company gives you, or receives from you, about your insurance application and the notices, disclosures, and other documents related to it.

You agree to keep us informed of any change in your e-mail or mailing address during the eSignature process. You may update your e-mail address by contacting us. You agree to print out or download Required Information for your records when we advise you to. If you have any trouble printing out or downloading any Required Information, contact us or your independent insurance agent at the address or telephone number given to you when you applied for coverage. The computer hardware and software used to access this web site on the Internet is all you will need to access the application for insurance, related notices, disclosures, authorizations, acknowledgements and other documents provided to you in electronic form. To retain copies of these documents, you may 1) print them from this web site, 2) e-mail them to an address where you can print them on paper, or 3) save an electronic copy onto a computer with at least 100 megabytes of memory. The Company may require that certain communications from you be delivered to them on paper at a specified address.

Statement of Consent

By clicking “I Agree”, I confirm that:

  • I can access and read this "eSignature Terms of Use and Consent"; and

  • I have an e-mail service provider and I am able to send e-mail and receive e-mail with hyperlinks to web sites with attached files; and

  • Until or unless I notify the Company as described above, I consent, if applicable, to receive all required notices and disclosures relating to my insurance application exclusively through electronic means; and

  • I also consent, if applicable, to the use of electronic signatures in connection with my insurance application with the Company in place of handwritten signatures.



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