Terms of Use

By accessing or using this website, you agree to these Terms of Use.

Informational Purposes Only

The information provided on this website is for general informational purposes only and does not constitute an offer to sell or a solicitation to purchase any insurance product where prohibited by law.

Insurance products and services may not be available in all states and are subject to applicable underwriting requirements, policy terms, conditions, limitations, and exclusions.

No Professional Advice

Content on this website is not intended to provide legal, tax, investment, or other professional advice. Individuals should consult qualified professionals regarding their specific circumstances.

Website Content and Accuracy

Federal Life makes reasonable efforts to maintain accurate and current information on this website. However, information may contain inaccuracies, typographical errors, or outdated material.

All website content is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied, to the fullest extent permitted by law.

Electronic Communications

Any feedback, suggestions, or non-confidential business communications submitted through this website may be used by Federal Life for legitimate business purposes, subject to our Privacy Policy and applicable law.

Personal information submitted through this website will be handled in accordance with our Privacy Policy and applicable law.

Prohibited Uses

Users may not:

• Use the website for unlawful purposes
• Attempt to gain unauthorized access to systems or information
• Introduce malicious software or harmful code
• Interfere with website functionality or security
• Use website content in violation of intellectual property laws
• Use automated tools, bots, scrapers, spiders, or crawlers to collect, extract, copy, or aggregate content from this website for any purpose, including training, fine-tuning, or developing artificial intelligence or machine learning models
• Use any data, text, graphics, or other content from this website as training data for large language models (LLMs) or generative AI systems without the prior written consent of Federal Life Insurance Company

Intellectual Property

All content on this website, including text, graphics, logos, design elements, and other materials, is owned by or licensed to Federal Life Insurance Company unless otherwise stated and is protected by applicable intellectual property laws.

Unauthorized reproduction, distribution, modification, or use of website content is prohibited without prior written permission.

Third-Party Websites

Links to third-party websites are provided for convenience only. Federal Life does not endorse or control third-party content and is not responsible for third-party websites or services.

Cookies and Tracking Technologies

This website may use cookies and similar technologies to support website functionality, analytics, and security monitoring. By continuing to use the website, you acknowledge such use as described in the Privacy Policy.

Changes to Terms

Federal Life reserves the right to modify these Terms of Use at any time. Material changes will be reflected by updating the posted version on this website.

Governing Law

These Terms of Use shall be governed by applicable federal law and the laws of the State of Illinois, without regard to conflict-of-law principles.