Thank you for visiting this website! By using it, you signify your assent, without limitation or qualification, to the following terms and conditions of use. Please read these terms and conditions carefully before continuing to view the website. LBL may at any time revise these terms and conditions by updating this posting. Because you are bound by any revisions to this statement, you should periodically revisit this page to review the then current terms and conditions by which you are bound.

For informational purposes only. The content of this website is intended to be used for informational purposes only. The information on this website is not an offer to sell or a solicitation of an offer to buy any security or insurance product. Products and services offered by LBL are not available in all states. Please contact an LBL agent or broker for specific product offerings, availability, and rates in your state.

Information provided on this website is believed to be accurate and reliable when posted. LBL cannot, however, guarantee that information will be accurate, complete, and current at all times. This website may also contain technical inaccuracies or typographical errors. LBL will from time to time revise the information, products, and services described in this website, and LBL reserves the right to make such changes without notice.

No professional advice offered. This website does not, and is not intended to, provide any financial, insurance, legal, accounting, or tax advice, nor shall you rely on the information contained in this website for any financial, insurance, legal, accounting, tax advice or strategies applicable to your specific situation.

Privacy statement. When you visit the LBL website, LBL will not collect "personal information" about you, unless you provide us that information voluntarily. (By "personal information," we mean data that is unique to you, such as a name, mailing address, social security number, or telephone number.) From time to time, we may request personal information from you in order to deliver requested materials to you, respond to your questions, or deliver a product or service. If you provide personal information to us voluntarily via our website, we will not sell, license, or transmit that information outside of LBL and those affiliated companies involved in administering or providing services for our products, unless required to do so by legal, judicial, or governmental proceedings or unless we do so in accordance with an express authorization you have given us. Also, in some cases, we may disclose information to our authorized agents or brokers, contractors, or representatives for the purpose of enabling them to perform certain functions for us. We will disclose that information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided. 

Links to other Internet sites. Links to other Internet sites ("hyperlinks") are included only as a convenience for you as a visitor to LBL's website. LBL makes no judgments or warranties with respect to the accuracy, timeliness, or suitability of the content of any of these hyperlinks, and LBL assumes no liability for the content or presentation of the hyperlinks. By providing a hyperlink to a service or website outside of LBL's website, LBL does not endorse the linked service or website, its content, or its sponsoring organization. We encourage you to read the Privacy Statements of each and every website that you link to. Please note that these websites may or may not have privacy policies and those policies may be more or less restrictive than LBL's privacy policy.

Viruses. There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. LBL shall not be responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to the LBL website. You, and not LBL, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.

Security. LBL takes standard precautions in seeking to ensure that our systems are secure and that they meet industry standards, including the application of firewalls for our Internet-based systems. When appropriate, LBL employs the use of encryption technologies, user authentication systems (e.g., passwords and personal identification numbers) and access control mechanisms.

Information provided "as is." THE MATERIALS CONTAINED IN THE LBL WEBSITE ARE PROVIDED "AS IS" AND WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. LBL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LBL DOES NOT WARRANT THAT THE ACCESS TO THE LBL WEBSITE WILL BE UNINTERRUPTED, THAT THE MATERIALS CONTAINED THEREIN WILL BE ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR SERVER ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of damages. UNDER NO CIRCUMSTANCES SHALL LBL BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS ON THIS WEBSITE, EVEN IF LBL OR AN AUTHORIZED AGENT OR BROKER, CONTRACTOR, OR REPRESENTATIVE OF LBL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. If applicable law does not permit the exclusion or limitation of liability or certain categories of damages, the above limitation or exclusion may not apply to you. In no event, however, shall LBL's total liability to you for all damages, losses, or causes of action exceed the amount paid by you, if any, for accessing this website.

Requirement of written agreement. All insurance and/or securities transactions between LBL and its customers are conducted based on signed, written agreements. The terms of these signed, written agreements are binding on the parties to the agreements. No other representation, whether made in person, online, electronically, in writing, or by graphic or verbal communication may alter the terms of those agreements.

Information for Foreign Investors.  The services and products described on this website are made available only to persons in the United States, and the information on this website is only for such persons. Nothing on this website should be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities law or any law of such jurisdiction.

Copyright policy. Applicable copyright laws protect the contents of the LBL website. No permission is hereby granted to copy, distribute, modify, post, or frame any text, graphics, video, audio, software code, or user interface design or logos.