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Terms and Conditions

Revised October 15, 2012

This document outlines the Terms and Conditions relating to your use of,, and/or These Terms and Conditions are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions, please discontinue using and accessing this site immediately.

Your use of this website

You may not use this site to engage in any illegal activity or conduct which is defamatory, libelous, threatening, or harassing. In the event that you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, United Equitable Group, LTD. (UEG) reserves the right to disclose any information you provide through the use of this site or applications to law enforcement authorities as deemed appropriate in the sole discretion of UEG. You agree that any information you provide through this site will be truthful and accurate.

Disclaimer of Warranties

Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty of any kind, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. UEG does not warrant that this site will be uninterrupted or error free. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will UEG be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.

Secure areas & Passwords

Some areas of this site are restricted and require authorization for access. Unauthorized use or access to these areas is prohibited. Actual or attempted unauthorized use or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization 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. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

If you are an authorized user of any restricted area, you are responsible to maintain the security and confidentiality of your password. Do not share your password with anyone. UEG will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact UEG. UEG will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else.

Policy endorsements, cancellations, reinstatements, renewals, and claims submissions

All policy endorsement, cancellation, reinstatement, and renewal submissions are subject to underwriting approval. Online claims submissions are subject to review and verification, and do not commit UEG to coverage for a loss. UEG reserves the right to request additional information prior to reaching a decision on a claim. All policy provisions contained in the policy remain in effect.

Changes to this document

This site, its content, and these Terms and Conditions are subject to change without prior notice.

Applicable law/severability

These Terms and Conditions Shall be governed by and interpreted according to the laws of the State of Illinois without respect to any conflict of laws provisions. The validity or enforceability of any other provisions shall not be affected if any portion of these Terms and Conditions is unlawful, void or unenforceable.