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Online Privacy and Security

Privacy Policy

Your Privacy is Our Priority.

At Farm Bureau Financial Services, our focus on building trusted relationships is foundational to our business. And we know that, to maintain your trust, we must protect your privacy. That includes the personal information you share as you use our websites, our emails and our mobile applications. The following privacy policy outlines how FBL Financial Group, Inc. and its subsidiaries and affiliates (collectively FBL) protect, collect and use your information.

Our Privacy Principles

  • We do not sell client/member information.
  • We do not allow those who are doing business on our behalf to use our client/member information for their own marketing purposes.
  • We contractually require any person or organization providing products or services on our behalf to protect FBL client/member information.
  • We afford our prospective and former client/members the same protections as existing client/members with respect to the use of personal information.

Online Information Collection

When an individual consumer visits this Site, our Online Activities and/or Other Services (collectively the “Services”) ("Visitors"), we may automatically collect certain kinds of anonymous and personally identifiable information. The information we collect will vary depending upon the function the Visitor selects and the information the Visitor provides. We collect, use, and share information we need to conduct our business, to advise you of our products and services, and to provide you with client/member service. We may collect and maintain several types of client/member information needed for these purposes, as identified below. This information includes, but is not limited to, the name of the website from which you entered our Site, if any, as well as the name of the website to which you're headed when you leave our Site. This information also includes the Internet Protocol (IP) address of your computer/proxy server that you use to access the Internet, your location, access times, your Internet or cellular provider name, web browser type, type of mobile device, and computer operating system. We use all of this information to analyze trends among our users to help improve the Services. 

Safeguarding of Client/Member Information

FBL understands the importance of appropriately safeguarding the personally identifiable information we obtain in the course of business operations. In order to ensure the safety of client/member information, we continually:

  • Maintain physical, technical, and procedural safeguards
  • Review our policies and practices
  • Monitor our computer networks
  • Test the strength of our security protections
  • Educate our employees on the importance of keeping client/member data secure
  • Maintain an up-to-date information breach response plan and client/member notification procedures

No method of transmission over the Internet or cellular connections, including via email, or method of electronic storage is 100% secure, so we cannot guarantee the absolute security of your information. You may contact Web Assistance if you have any questions or concerns regarding the confidentiality and security of your information.

Children's Online Privacy Protection

FBL’s Services are not directed toward children. We do not knowingly collect or post information from children under the age of 13. You can learn more about children's privacy and the Children's Online Privacy Protection Act (COPPA) at the Federal Trade Commission's website.

Visitor Data Collected on the Services

Cookies and Other Similar Tracking Technologies

We want to make you aware of how we use “cookies”, including tags, pixels, SDK’s and other similar tracking technologies to enhance your experience when visiting FBL Websites, email, mobile device and applications.  “Cookies” are small data files sent to your browser from a web server and stored on your devices. We use “cookies” and other technologies to help us track visits to our Website, applications and Other Services and to find out how visitors use our sites. We routinely gather information regarding activity using tags or pixels, or transparent GIF files to help manage our online advertising and site visitor marketing efforts. This information may be used to manage and customize our Website’s and application’s content, layout, and services in order to improve our sites and enhance our service to you. The information that we collect and share is anonymous and not personally identifiable. It does not contain a Visitor’s name, address, telephone number or email address. These files enable our ad management partner to recognize a unique cookie on your Web browser, which in turn, enables us to learn which advertisements bring users to our Websites. The cookies are placed by us or by another advertiser who works with our ad management partner. We log your geolocation which includes IP address and location so that we may tailor the content displayed on the Website to your current location. This information is only stored for internal use and is not shared with outside parties.

Online Ads

Using “cookies” allows FBL to manage our online advertising. We use third party online advertising companies to provide ads on websites where we advertise. Some of these sites may use “cookies” and other technologies. This technology will transmit non-personally identifiable information about you to us or our service providers. We use this information to analyze our marketing efforts and track browser visits to our Websites. For more information about marketing “cookies”, go to: https://www.sizmek.com/privacy-policy/optedin/.  Notwithstanding any other provision, we may work with a third party partner who may collect information from you, such as your IP address and information about your browser or operating system, and may place or recognize a unique cookie on your browser for the purpose of enabling interest-based content or advertising to you. The cookies placed by our third party partners contain no personally identifiable information; they may contain demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address or email, which we may share in hashed or encrypted form. To opt-out of these data provider cookies, please go to http://www.aboutads.info/choices.

Information You Provide

Through voluntary responses on FBL’s Websites and Services and email links found on our sites, we collect various personal information from visitors. We collect the email addresses of Visitors to our Websites when Visitors provide them, we collect the email addresses of those who communicate with us via email, and information volunteered by the Visitor, such as survey information, contact information and/or site registrations. Please note we do not automatically collect email addresses from our Visitors. Visitors may be surveyed for feedback concerning their Website or Services visit.

If you supply us with your email address on www.fbfs.com or through our Services, you may receive periodic messages from us with information on new products and services or upcoming events. If you prefer not to receive periodic messages with information on new products and services or upcoming events, please select “No” when responding to the question asking whether you wish to receive emailed communications from us when completing your site registration or such other method for unsubscribing outlined in the applicable Service.

The following are examples of categories of personally identifiable information that Visitors may voluntarily provide and which we may collect:

  • Name
  • Physical address
  • Email address
  • Birthday
  • Phone number
  • Policy and/or account information
  • Last four digits of your Social Security Number
  • Information you allow a third-party service, such as Facebook, to provide to us

Do-Not-Call Requests

FBL complies with all Federal regulations related to Do-Not-Call or Do-Not-Email requests by client/members. We will not call or text client/members for the purpose of product sales who have placed their number on the National Do-Not-Call list or who have specifically asked to be added to our company-specific Do-Not-Call or Do-Not-Email lists, which are maintained separately from the National Do-Not-Call list, unless requested to do so by the client/member. We retain the right to contact any client/member for service-related issues.

Social Network Information

We may receive personal information you voluntarily share with third party social networking services, such as Facebook or Twitter. For example, some social networking services allow you to push content from our Site to your contacts. We may also obtain social networking user IDs from those services. Visit your social networking services’ privacy policies to learn more about the information they make available to our Site.

Use of Information

Unless prohibited by law, we may use and share information we collect about Visitors with other member companies of FBL or unaffiliated third parties for a variety of purposes. For more information, please review our Privacy Notice.

Changes to Our Online Privacy Policy

FBL may make changes to our online privacy policies occasionally. We recommend that Visitors to our Websites and Services review our online privacy policies from time to time to learn of new privacy practices and changes to our policies.

Links to Other Sites

The online privacy policies of FBL apply only to our Websites and Services and our producer Websites that link to this privacy policy. Websites operated by non-FBL related entities may link to and from our Website and/or Services and may have different privacy policies from the ones described here. Visitors should read the privacy statements of other Websites they visit for information regarding their specific privacy practices.

Effective:  April 11, 2019, 2019
Last Updated: March 13, 2019, 2019

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 as well as to conduct business electronically (if available) ("Online Activities").  We also offer options to go Paperless, to subscribe to SMS texting services, and provide mobile applications/apps for your use (collectively “Other Services”).  The Website, Online Activities or Other Services are collectively referred to herein as Services

When you access the Services 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 Services after any such change is posted.

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

DISCLAIMER

THE MATERIALS ON THE SERVICES (INCLUDING, WITHOUT LIMITATION, ALL SOFTWARE) (COLLECTIVELY, “MATERIALS”) 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 THE SERVICES OR THE SERVER(S) THAT MAKES ANY OF THEM 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 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 Materials and the product information at any time without notice and without obligation to update the Materials.

LIMITATION OF LIABILITY

FBL's Liabilities

WHILE FBL USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THE SERVICES ERRORS OR OMISSIONS SOMETIMES OCCUR. FBL MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY OF THE SERVICES. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL FBL OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES 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 THE SERVICES OR THE MATERIALS OR INFORMATION CONTAINED THEREIN, 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 THE SERVICES OR THE MATERIALS AS APPLICABLE.

FBL ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT. MOBILE DEVICE OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE SERVICES OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THE SERVICES. FBL SHALL NOT BE LIABLE FOR ANY MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE, CELLULAR 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

FBL has the right to deny you access and use of the Services and their 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 Services or any of their 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, ELECTRONIC ACCESS, GOING PAPERLESS AND SMS TEXTING

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.

By electing to enroll in Online Activities, including but not limited to Paperless, you certify that you are the person identified by your enrollment information. If you are not that person and/or you are attempting to access someone else's information, you are in violation of federal and/or state law and should exit this application now. Suspected violations may be reported to state and/or federal authorities.

Hardware and 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 supports the TLS 1.1 (or higher) protocol with JavaScript enabled,
  • software that lets you get and open Portable Document Format or "PDF" files, and
  • the ability to download or print agreements and disclosures.

In addition for our Paperless feature you must have:

  • an email service account that allows you to read, write, and send email.

Your state may require insurance documents to be displayed in a particular font size. To ensure that Communications are displayed at the correct font size for your state, please make sure that the view size setting for the Communications is set to 100% and your browser resolution is 800 x 600.

Should we make changes to the hardware or software requirements for Paperless such that you may no longer be capable of accessing your electronic insurance documents, we will inform you of the revised hardware and software requirements via an update to these Terms and Conditions.

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 8½ x 11 inch paper.

Going Paperless

As part of the Online Activities, you have the option to enroll in our paperless feature (“Paperless”). By enrolling in Paperless, you agree to access insurance policy documents electronically in lieu of delivery by the United States Postal Service (USPS) or other physical delivery method; provided, however, that, as required by law, we will deliver certain insurance policy documents, such as cancellation and nonrenewal notices, in paper format via the USPS.

Please read the following additional Paperless Terms and Conditions carefully. By electing to enroll in Paperless, you agree to be bound by them. If you do not agree with any of these terms and conditions, do not enroll in Paperless. We reserve the right to modify these Terms and Conditions at any time. Continued participation in Paperless will constitute your acceptance of any revisions to these Terms and Conditions.

Your responsibilities

Once you enroll in Paperless, it is your responsibility to keep your e-mail address up to date within your online profile. It is also your responsibility to keep your e-mail address active and capable of receiving new e-mails. To do this, ensure that your e-mail account has sufficient space for new e-mails and that your e-mail server and spam-blocking software do not block our e-mails. We are not responsible for problems arising from e-mails sent to an inactive or out-of-date e-mail address.  Once enrolling in Paperless, it is your sole responsibility to ensure that the email address within your online profile is current and active.  Failure to do so may result in your missing important communications.

Enrollment in Paperless

To enroll in Paperless, you must successfully complete the Paperless email verification process.  After creating an online account you will select to send a verification request. You must:

  1. Log in and register on fbfs.com using your policy number if you have not already established an online account.
  2. Open the verification e-mail and click on the verification link.
  3. Select your policy and then the link to set your paperless preferences
  4. Click and accept the Terms and Conditions for Paperless.

Insurance documents available electronically

There may be some documents that you can not access electronically due to legal and technological constraints in your state. These documents will be delivered to you by your agent or via the USPS.

Accessing policy documents

To access your documents, go to fbfs.com and log in to your account with your username and password. After you log in, your policy documents will be accessible through your online account. To print any of your policy documents from your online account, click the "print" button located on the page or in your browser frame. To download and save any of your policy documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.

Unenrolling from Paperless

You may unenroll from Paperless at any time. Upon unenrolling, all insurance documents will be mailed to you via the USPS (please allow up to 72 hours to process your unenrollment). If you choose to unenroll from Paperless, you may unenroll by doing either of the following:

  • Logging in to your account and change your preference from Paperless.
  • Calling your agent or a Customer Service Representative at 800-814-5570 for website assistance.

Requesting documents to be sent via the USPS

If you are unable to view or print your documents from our Web site, you may request paper copies of your documents be mailed to you via the USPS. You may request a paper copy of a document by calling your agent or a Customer Service Representative at 866-399-3237..

SMS Texting

FBL offers subscription text message programs. Client/members may ask their agent or a Customer Service Representative to enroll them in a text message alert program. Your agent or a Customer Service Representative will enroll you in SMS texting services. You will not be enrolled in a "mailing list" when you subscribe to this service. Message frequency varies.

FBL is committed to building user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of our client/members and their data. For more information you can view a copy of our Online Privacy Policy Statement.

FBL does not have a separate charge for the text message service; however, message and data rates may apply from your mobile carrier.

By providing your consent to participate in this program, you approve any such charges from your mobile carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance. Consumers and policyholders can text message FBL at 515-444-5969 with a keyword to receive these services. FBL reserves the right to terminate this SMS service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. You are responsible for managing the types of SMS texts you receive. If you have any questions or need help, text HELP to 515-444-5969, or call 866-399-3237.

To stop receiving text messages, text STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to 515-444-5969. By enrolling in this subscription program, you consent that following such a request to unsubscribe, you will receive one (1) final message from FBL confirming that you have been inactivated in our system. Following such confirmation message, no additional text messages will be sent unless you re-activate your subscription by texting START to the same number.

FBL may use an automatic dialing system to deliver text messages to you. By your subscription to either, or both, the one-time text message program or the subscription text message program, you give your consent to FBL to use an automatic dialing system to deliver text messages to the telephone or cell phone number to which you have directed FBL to transmit these text messages.

Participating Carriers Include

Major carriers: AT&T, Verizon Wireless, Sprint, and T-Mobile USA.

Minor carriers: Aio Wireless, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Boost Mobile, Carolina West Wireless, CellCom, Cellular One of East Central IL (ECIT), Cellular One of Northeast Arizona, Cellular One of Northeast Pennsylvania, Chariton Valley Cellular, Cricket, Coral Wireless (Mobi PCS), Cross, C-Spire (CellSouth), Duet IP (Maximum Communications New Core Wireless), Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Google Voice, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Metro PCS, Mosaic (Consolidated or CTC Telecom), MTA Communications, MTPCS (Cellular One Nation), Nex-Tech Wireless, Panhandle Communications, Peoples Wireless, Pine Cellular, Pioneer,  RINA, Sagebrush Cellular (Nemont), SI Wireless/Mobile Nation, Simmetry (TMP Corporation), SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United Wireless, U.S. Cellular, Viaero Wireless, Virgin Mobile, and West Central (WCC or 5 Star Wireless).

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 Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Intellectual Property displayed on the Services without the written permission of FBL or such third party that may own the Intellectual Property displayed. Your use of the Intellectual Property displayed, the Materials or any other content on the Services except as provided herein, is strictly prohibited.

Images displayed on the Services 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 the Services are copyrighted and any unauthorized use of any Materials may violate copyright, trademark, and other laws. If you breach any of these Terms and Conditions, your authorization to use the Services automatically terminates and you must immediately destroy any downloaded or printed materials.

RESTRICTIONS ON USE OF MATERIALS

The Services are 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, the Online Activities nor the Other Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download Material displayed on the Services 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 the Services 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 the Services 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 or mobile application is strictly prohibited. You may not Co-Brand the Services 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 Services or any of their content. You agree to cooperate with FBL in causing any unauthorized co-branding, framing or linking to immediately cease. The Services and their content are not intended for children ages 13 and younger.

HYPERLINKS AND LINKED WEBSITES

The Services may be linked to other websites which are not maintained by FBL. Links on the Services to such third-party websites are provided solely as a convenience to you. If you use these links, you will leave the Services. 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 THE SERVICES 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 the Services from its offices in West Des Moines, Iowa 50266. Unless otherwise expressly set forth herein, FBL makes no representation that Materials on the Services are appropriate or available for use in any location, including, without limitation, for use outside the United States, and access to the Materials on the Services from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials on the Services 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 the Services 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 the Services 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 the Services 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 the Services 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 or Services that permit uploading of questions, comments or other material or information 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 or product 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. Investment advisory services are offered through FBL Wealth Management, LLC, and FBL Investment Management Services, Inc. 5400 University Avenue, West Des Moines, IA 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 the Services 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 the Services 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 the Services 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 Services and their 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

© 2001-2019 FBL Financial Group, Inc. All rights reserved.

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 February 6, 2019

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