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Welcome to “Kuvare.com”, “GILICO.com”, “LBL.com”, “MyKuvare.com” and/or “UnitedLife.com” websites (the “Site”), provided and owned by (“The Company,” “Kuvare”, “we,” or “us”). These Terms of Use (“Agreement”) contain the terms and conditions upon which you (“you” or “the user”) may access and use the valuable information available through this Site. This Agreement is important and affects your legal rights, so please read them carefully. The Company reserves the right to modify this Agreement at any time, under the Company’s sole discretion, and such modification will be effective immediately after posting of the modified Agreement. You agree to review this Agreement periodically to ensure that you are aware of any modifications. Your continued access or use of the Site shall be deemed your conclusive acceptance of the modified Agreement. If you do not agree to this Agreement, you may not access or use this Site.
The information, content (“Content”), and materials (“”) contained on this Site are provided by Kuvare and may be used for informational purposes only. By downloading any of the Materials contained on this Site, you agree to the terms and provisions as outlined in this Agreement. If you do not agree to them, do not use this Site in any way.
The information contained on this Site is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Site.
THE CONTENTS OF THIS SITE, INCLUDING ITS “LOOK AND FEEL” (E.G., TEXT, GRAPHICS, IMAGES, LOGOS, AND BUTTON ICONS), EDITORIAL CONTENT, NOTICES, SOFTWARE (INCLUDING HTML-BASED COMPUTER PROGRAMS) AND OTHER MATERIAL, ARE PROTECTED UNDER BOTH UNITED STATES AND FOREIGN COPYRIGHT, TRADEMARK, AND OTHER LAWS. These contents belong or are licensed to the Company and we hereby grant you the right to view and use this Site subject to the terms and conditions of this Agreement. You may download and/or print a copy of the information provided in this Site for your internal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any other purpose is expressly prohibited, unless prior written consent is obtained from the respective copyright holder(s). You may contact us at the address indicated at the end of this Agreement. In any event, you agree not to modify, amend, reduce the size of or in any way obliterate any warnings, liability limitations, disclosures or notices (including any copyright or trademark notice) associated with the information.
In turn, you grant us a non-exclusive, royalty-free license to use any content you post on the Site for any purpose, subject to the express terms of this Agreement.
WE DO NOT AUTHORIZE OTHER WEB SITES TO LINK TO THIS SITE WITHOUT OUR PRIOR PERMISSION. Please contact us at the address indicated at the end of this Agreement should you wish to effect such a link. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Company or its affiliates without their express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of the Company names or service marks without the express written consent of their owners. Any unauthorized use terminates the permission or license granted by the Owner.
The Site is not targeted toward or intended for use by anyone under the age of 18. By using the Site, you represent and warrant that you (a) are 18 years of age or older, (b) are a legal resident of the United States, (c) have not been previously suspended or removed from the Site, or engaged in any activity that could result in suspension or removal from the Site, and (d) have full power and authority to enter into this Agreement and in so doing will not violate any other agreement to which you are a party.
Kuvare, Kuvare Asset Management, and Lincoln Benefit Life and the stylized logos under the same names are trademarks of Kuvare US Holdings, Inc., registered in the U.S. and other countries.
The Company or any of its employees do not accept or consider unsolicited ideas, including ideas for business ventures, processes, or marketing plans. Please do not send any such suggestions. If, despite our request that you not send us your ideas, you still send them, then regardless of what your letter says, the following terms shall apply to your idea submission.
You agree that: (1) your ideas will automatically become the property of Kuvare, without compensation to you, and (2) the Company can use the ideas for any purpose and in any way, even give them to others.
Kuvare, Kuvare Life Re, Ignite Partners, Guaranty Income, Lincoln Benefit Life, and United Life respect your personal privacy and the sensitivity of your information during your visit to our Site. We understand that privacy is an important issue for visitors to the Site. The Company makes no further representations or warranties regarding how such information will be stored or processed if it is provided contrary to this Agreement. Please see the Company’s Privacy Policy Statement for more information.
(a) Notwithstanding anything to the contrary in this Agreement, using or attempting to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engines and search agents available from the Company on this Site and other than generally available third-party web browsers (such as Google Chrome, Mozilla Firefox, or Microsoft Internet Explorer) is prohibited.
(b) You may not attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site.
THE INFORMATION ON THIS SITE IS PROVIDED “AS IS.” YOU EXPRESSLY ACKNOWLEDGE THAT YOUR ACCESS OR USE OF THE INFORMATION IS AT YOUR SOLE RISK. THE INFORMATION ON THIS SITE MAY BE COMPILED FROM VARIOUS THIRD-PARTY CONTENT PROVIDERS (“PROVIDERS”). THE COMPANY AND ITS PROVIDERS MAKE NO REPRESENTATIONS OR ENDORSEMENT ABOUT THE SUITABILITY FOR ANY PURPOSE OF PRODUCTS OR SERVICES MENTIONED ON THIS SITE. WE AND OUR PROVIDERS DO NOT GUARANTEE THE TIMELINESS, VALIDITY, COMPLETENESS OR ACCURACY OF INFORMATION MADE AVAILABLE TO YOU FOR ANY PARTICULAR PURPOSE. WE AND OUR PROVIDERS DISCLAIM ALL WARRANTIES AND CONDITIONS, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, WITH REGARD TO THE PRODUCTS, SERVICES AND INFORMATION MENTIONED OR CONTAINED ON THIS SITE, INCLUDING BUT NOT LIMITED TO THE AVAILABILITY OF THIS SITE, LACK OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES, OR ANY FAILURE TO PROVIDE ACCESS TO THE SITE. ALTHOUGH WE OR OUR PROVIDERS MAY UPDATE THE CONTENT ON THIS SITE FROM TIME TO TIME, PLEASE NOTE THAT CERTAIN INFORMATION CHANGES RAPIDLY. THEREFORE, SOME OF THE INFORMATION MAY BE OUT OF DATE AND/OR MAY CONTAIN INACCURACIES OR TYPOGRAPHICAL ERRORS. DATED CONTENT SPEAKS ONLY AS OF THE DATE INDICATED.
YOU AGREE THAT NEITHER THE COMPANY, NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS SHALL HAVE ANY LIABILITY TO YOU UNDER ANY THEORY OF LIABILITY OR INDEMNITY ARISING OUT OF OR RELATING TO USE OF THE SITE. YOU HEREBY RELEASE AND FOREVER WAIVE ANY AND ALL CLAIMS YOU MAY HAVE AGAINST THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS (INCLUDING BUT NOT LIMITED TO CLAIMS BASED UPON THE NEGLIGENCE OF THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS) FOR LOSSES OR DAMAGES YOU SUSTAIN ARISING OUT OF OR RELATING TO USE OF THE SITE.
NOTWITHSTANDING THE FOREGOING PARAGRAPH, BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY TO THE FULL EXTENT DESCRIBED ABOVE, THESE LIMITATIONS MAY NOT APPLY TO YOU. IF THIS LIMITATION OF LIABILITY OR EXCLUSION OF WARRANTY IS HELD TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE MAXIMUM COLLECTIVE LIABILITY OF THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL NOT EXCEED $100. IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES GREATER THAN THE AMOUNT REFERRED TO ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE ARISING OUT OF OR RELATING TO USE OF THE SYSTEM ARE HEREBY EXCLUDED EVEN IF THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NEITHER THE COMPANY, NOR ANY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR ANY PROVIDER OR THIRD-PARTY VENDOR WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THE SYSTEM, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS SYSTEM OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO OR YOUR INABILITY TO ACCESS THE SYSTEM OR THESE MATERIALS, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF THE COMPANY OR OF ANY VENDOR PROVIDING SOFTWARE OR SERVICES SUPPORT.
The provisions of paragraphs 8, 9 and 10 apply for the benefit of the Company and its officers, directors, employees, and agents. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
The Company shall have the right to terminate your ability to use or access the Site at any time without notice to you.
(a) You agree that no joint venture, partnership, employment, or agency relationship exists between the Company and you as a result of this Agreement or your use of the Site.
(b) Any cause of action or claim you may have with respect to the Company must be commenced within one (1) year after the claim or cause of action arises.
(c) The Company’s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right.
(d) The Company may assign its rights and duties under this Agreement to any party at any time without notice to you.
This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its provisions relating to conflicts of law. You agree that any legal action or proceeding between the Company and you for any purpose concerning this Agreement or the parties’ obligations hereunder shall be brought exclusively in a court of competent jurisdiction sitting in Delaware, United States of America. In light of the nature of this Agreement, you understand and agree that money damages may be insufficient to rectify breach and that, consequently, the Company will be entitled to seek preliminary and equitable relief upon a breach of the Agreement by you.
International Users – The Site is controlled and operated by the Company from offices within the United States of America. We make no representation that materials at the Site are appropriate or available for use outside the United States or that access to the Content from all countries and/or territories is legal. You may not use the Site or export the Site materials in violation of United States export laws and regulations. If you access the Site from locations outside the United States, you are responsible for compliance with all applicable laws and regulations.
The Company makes no representation that any information, materials or features/functions included are appropriate for use in any other jurisdiction. The Site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence, citizenship or otherwise) the publication or availability of the Web Site and its content is contradictory to local laws or regulations. Persons with respect to whom such restrictions or prohibitions apply must not access or use the Site. By accessing or using the Site you do so on your own initiative and are solely responsible for compliance with the applicable local laws and regulations.
This Agreement comprises the full and final understanding between you and the Company and merges and supersedes any and all other agreements, understandings or representations, written or oral, with respect to the subject matter hereof. The Agreement may not be modified except by a writing (in paper or electronic form) signed by you and by an authorized representative of the Company, and referring specifically to this Agreement. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement.
These Terms of Use, the Privacy Policy and other policies the Company may post on the Site constitute the entire agreement between the Company and you in connection with your use of the Site and the Content, and Software, and supersedes any prior agreements between the Company and you regarding use of the Site, including prior versions of these Terms of Use. The Company may update these Terms of Use from time to time by posting revised Terms of Use on the Site, without notice to you, and your subsequent use of the Site indicates your acceptance of and is governed by those new Terms of Use. These Terms of Use are effective until terminated or updated by the Company, at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in these Terms of Use will survive. These Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in the Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will control. A printed version of these Terms of Use shall be admissible in judicial or administrative proceedings based on or relating to use of the Site to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
The provisions of this Agreement are severable, and in the event any provision hereof is determined to be invalid or unenforceable for any reason, such invalidity or unenforceability shall not in any way affect the validity or enforceability of the remaining provisions.
The Company may deliver notice to you under this Agreement by means of electronic mail, if applicable, or by a general notice on the Site.
Nothing on the Site should be construed by you as an attempt by the Company to offer individual or group insurance coverage of any kind or on behalf of any provider, even if such providers are mentioned on this Site. The Company will not accept or process offers by you, as an individual or representative of another entity, to obtain insurance coverage. Any use of the Site for that purpose is strictly prohibited.
Nothing on the Site is a recommendation that you purchase, sell or hold any security or other investment, or that you pursue any investment style or strategy. The Company does not give any advice or make any representations through this Site as to whether any security or investment is suitable to you or will be profitable. Nothing on the Site is intended to be, and you should not consider anything on the Site to be, investment, accounting, tax or legal advice. If you would like investment, accounting, tax or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs. Certain information contained on this Site constitutes “forward looking statements” that can be identified by the use of forward-looking terminology such as “may,” “will,” “should,” “expect,” “anticipate,” “estimate,” “intend,” “continue,” or “believe” or the negatives thereof or other variations thereon or comparable terminology. Moreover, actual events are difficult to project and often depend upon factors that are beyond the control of Kuvare and its affiliates. In light of these risks and uncertainties, there can be no assurance that the information contained on this Site is now or will prove to be accurate or complete in any way.
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To contact us with any questions or concerns in connection with this Agreement, or to provide any notices under this Agreement, please go to the corresponding company contact page – links above.
The Digital Millennium Copyright Act (DMCA) provides recourse to copyright owners who believe that their rights under the United States Copyright Act have been infringed by acts of third parties over the Internet. If you believe that your copyrighted work has been copied without your authorization and is available on this Site in a way that may constitute copyright infringement, you may provide notice of your claim to the Company through the corresponding company contact page – links above. or through the email address provided on the corresponding company contact page – links above.
For your notice to be effective, it must include the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed upon; (iii) a description of where the material that you claim is infringing is located on the Site, including the auction ID number, if applicable; (iv) your address, telephone number, and e-mail address; (v) a statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf; and (vii) the words “Notice of Infringement” in the subject line.
THIS WEBSITE PRESENTS GENERAL INFORMATION REGARDING KUVARE LIFE RE LTD (KLR). AND IS NOT INTENDED AND DOES NOT CONSTITUTE AN OFFER TO SOLICIT BUSINESS AND DOES NOT CONTAIN A COMPLETE DESCRIPTION OF ANY REINSURANCE PRODUCT WHICH MAY BE OFFERED FOR SALE BY KLR.
NOTHING CONTAINED IN THE SITE CONSTITUTES REGULATORY, INVESTMENT, LEGAL OR TAX ADVICE. NEITHER THE INFORMATION, NOR ANY OPINION CONTAINED IN THE SITE CONSTITUTES A SOLICITATION OR OFFER BY KLR OR ANY OF ITS AFFILIATES TO ENGAGE IN REINSURANCE OR ANY OTHER TRANSACTIONS.
THE MATERIALS IN THE SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND (EITHER EXPRESS OR IMPLIED). TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, KLR AND ITS AFFILIATES DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY SUCH WARRANTIES OR CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE.
Kuvare provides strategic support and resources to help companies pursue and achieve sustainable growth opportunities.
5600 North River Road
Suite 300
Rosemont, Illinois 60018
United States
© 2024 KUVARE. ALL RIGHTS RESERVED.
Annuity and life insurance contracts are issued by United Life Insurance Company (69973), Cedar Rapids, IA and Guaranty Income Life Insurance Company (64238), Baton Rouge, LA. Lincoln Benefit Life Company (65595), Lincoln, NE does not currently issue new policies. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Annuity and life insurance products may not be available in all states. These companies are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. This material should not be interpreted as a recommendation by United Life Insurance Company, Guaranty Income Life Insurance Company, or Lincoln Benefit Life Company. Please reach out to your financial professional if you have any questions about insurance products and their features.
The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an annuity.
INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED
Reinsurance contracts are entered into with Kuvare Life Re Ltd., Hamilton, Bermuda. Not all reinsurance products or structures offered are available in all jurisdictions. Reinsurers may not be licensed in all states. All transactions are subject to meeting a reinsurer’s underwriting requirements. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds.