IMPORTANT: Please read the terms and conditions set forth below carefully before using this site or any of the programs, content or material available through this site. Use of this site is expressly conditioned on your acceptance of the following terms and conditions. By using this site or any of the programs, content or material available through the site, you signify your assent to and acceptance of these terms and conditions. If you do not agree with any part of the terms and conditions set forth below, you must not use this site or any portion thereof.
This site, www.ailife.com ("Site"), is owned and operated by Globe Life American Income Division, ("American Income Life").
Our site is used for informational purposes on American Income Division as a company and its products and services.
Users who have complaints regarding the Site may address such concerns in writing, via e-mail or traditional mail to the contact information listed below.
Users may also call (254) 761-6400 between the hours of 8:00 a.m. and 4:30 p.m. Central Standard Time.
Users agree to have any unresolved claim or dispute against American Income Life or its affiliates resolved through arbitration as set forth below after first submitting the claim or dispute to mandatory non-binding mediation. The User agrees to attempt to resolve any claim or dispute through non-binding mediation before a mediator mutually agreeable to the parties and that the forum for any mediation hearing will be Dallas, Texas. The parties will each bear their respective costs of mediation.
If a claim or dispute is not resolved as a result of mediation, the User agrees to have any unresolved claim or dispute against American Income Division or its affiliates whether related to this agreement or otherwise, and any claim or dispute related to this agreement or the relationship or duties contemplated under this agreement, including the validity of this arbitration clause, resolved by binding arbitration by the National Arbitration Forum, under the Code of Procedure then in effect. The User agrees that the forum for any such arbitration proceeding shall be held in Dallas, Texas. Any award of the arbitrator(s) may be entered as a judgment in any court of competent jurisdiction. Information may be obtained and claims may be filed at any office of the National Arbitration Forum or at P.O. Box 50191, Minneapolis, MN 55405. This agreement shall be interpreted under the Federal Arbitration Act.
Please note that disputes regarding American Income Division or its affiliates may need to be resolved through the National Association of Securities Dealers in accordance with their arbitration procedures.
The Site, each of its components, and the content, programs and materials provided thereby, are the copyrighted property of American Income Division, the appropriate American Income Life affiliate or its affiliated entities. None of the content, programs, materials or data found on the Site may be modified, reproduced, republished, distributed, sold, or transferred without the express written consent of American Income Division, the appropriate American Income Division affiliate or the applicable third-party provider. The trademarks and service marks ("Marks") displayed on this Site are the property of American Income Division unless specifically indicated otherwise. Users are prohibited from using any Mark without the prior written consent of American Income Division or the American Income Life affiliate owning the mark. Nothing contained on this Site is intended or should be construed to grant by implication, estoppel, or otherwise, any license to use any of the Marks without the express written consent of American Income Division or the American Income Life affiliate owning the mark.
This Site, each of its components, and the content, programs, materials and information on the Site are intended for recruiting and agent training for American Income Division. You are prohibited from using them for commercial purposes without our prior written consent. This Site, and the content provided on this Site, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed without the prior written consent of American Income Division. Unauthorized use of this Site or the materials contained on this Site may violate applicable intellectual property or other laws. You are prohibited from posting on or transmitting to or through the Site any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law.
You represent that you are of legal age and competency to use this Site and to create binding legal obligations for any liability you incur as a result of using this Site. You understand and acknowledge that you are financially and otherwise responsible for any use of this Site by you and anyone using your login information.
AMERICAN INCOME DIVISION, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS MAKE NO WARRANTIES OF ANY KIND REGARDING THIS SITE OR THE CONTENT, PROGRAMS OR MATERIAL PROVIDED ON THIS SITE, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. AMERICAN INCOME LIFE, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY OR AVAILABILITY OF ANY OF THE CONTENT, PROGRAMS, MATERIAL OR DATA FOUND ON THIS SITE AND SUCH PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS 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. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING EXCLUSION AND DISCLAIMER MAY NOT APPLY TO YOU.
AMERICAN INCOME DIVISION, ITS AFFILIATED ENTITIES, AND THIRD-PARTY PROVIDERS, WILL NOT BE RESPONSIBLE, AND WILL NOT BE LIABLE, FOR ANY DAMAGES TO YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ARISING FROM YOUR USE OF, BROWSING IN OR DOWNLOADING OF ANY CONTENT, PROGRAMS, MATERIALS, DATA, TEXT, IMAGES, AUDIO OR VIDEO FROM THE SITE. IN NO EVENT WILL AMERICAN INCOME LIFE, AFFILIATED ENTITIES OR APPLICABLE THIRD-PARTY PROVIDERS BE LIABLE FOR ANY INJURY, LOSS, DAMAGE OR CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, ARISING FROM OR IN ANY WAY CONNECTED WITH (A) ANY USE OF THIS SITE, OR CONTENT, PROGRAMS OR MATERIALS PROVIDED THROUGH THIS SITE, (B) ANY FAILURE, DELAY, OR UNAVAILABILITY (INCLUDING, BUT NOT LIMITED TO THE USE OF OR INABILITY TO USE OR ACCESS ANY CONTENT, PROGRAMS, MATERIAL OR DATA PROVIDED ON THE SITE), (C) THE PERFORMANCE OR NON-PERFORMANCE OF AMERICAN INCOME LIFE, ITS AFFILIATED ENTITIES OR APPLICABLE THIRD-PARTY PROVIDERS, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY, (D) YOUR DISCLOSURE OF YOUR PASSWORD TO, OR USE OF YOUR PASSWORD BY, ANY THIRD PARTY, OR (E) ANY ACCESS TO, OR USE OF, YOUR INFORMATION BY AN UNAUTHORIZED PERSON OR UNAUTHORIZED PERSONS. SOME STATES DO NOT ALLOW LIMITATION OF LIABILITY, SO THE FOREGOING LIMITATION MAY NOT APPLY TO YOU.
You will indemnify and hold harmless American Income Life, its affiliated entities, any third-party providers, and their respective officers, directors, employees and agents from and against any claim, damages, cause of action or demand, including, but not limited to, reasonable legal, accounting and other professional fees, brought by or on your behalf or by third parties as a result of your use of the Site, or any content, or materials provided through the Site.
American Income Division may at any time modify these terms and conditions in whole or in part and your continued use of the Site, or any content, programs or materials provided through the Site, will be subject in all respects to the terms and conditions in force at the time of such use.
You may not assign, convey, subcontract or delegate your rights, duties or obligations hereunder. American Income Division may, at any time, assign, convey, transfer, delegate or subcontract any or all of its rights or obligations without prior notice.
These terms and conditions will be deemed severable so that if any provision is determined to be unenforceable or invalid, such provision will nonetheless be enforced to the fullest extent permitted by applicable law, and such determination will not affect the validity or enforceability of any other remaining provision.
The headings used in these terms and conditions are included for convenience only and will not limit or affect in any way these terms and conditions.
These terms and conditions, together with those incorporated or referred to herein, constitute the entire agreement between us relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, any may not be amended or modified except in writing or by making such amendments or modifications available on this Site.
You are encouraged to visit these Terms and Conditions and our Privacy Statement from time to time to review any updates and changes.
These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Texas, without giving effect to its conflict of laws provisions or your actual state or country of residence.
Program Description: We may send promotional and transactional mobile messages in various formats through the Program. Promotional messages advertise and promote our products and services and may include promotions, specials and other marketing offers. Transactional messages relate to an existing or ongoing transaction and may include notifications and updates, appointment reminders, and other transaction-related information. Mobile messages may be sent using an automated technology, including an autodialer, automated system, or automatic telephone dialing system. Message frequency will vary. You agree that American Income Division, its affiliated entities, and any third-party service providers may send you messages regarding the foregoing topics or any topic and that such messages and/or calls may be made or placed using different telephone numbers or short codes. American Income Division does not charge for mobile messages sent through the Program, but you are responsible for any message and data rates imposed by your mobile provider, as standard data and message rates may apply for SMS and MMS alerts.
User Opt-In: By providing your mobile phone number to, you are voluntarily opting in to the Program and you agree to receive recurring mobile messages from American Income Life at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at the Contact Information provided below. Your participation in the Program is not required to make any purchase from us and your participation in the Program is completely voluntary.
User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to opt-out of the Program and stop receiving mobile messages from us, or you no longer agree to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT and/or UNSUBSCRIBE to any mobile message from us. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. For support, reply HELP to any mobile message from us.
Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the requirements in these Mobile Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.
Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.
Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by applicable law, we may also modify these Mobile Messaging Terms at any time. Any such modification will take effect when it is posted to the Site. You agree to review these Mobile Messaging Terms periodically to ensure that you are aware of any modifications. Your continued participation in the Program will constitute your acceptance of those modifications.
Globe Life American Income Division is available Monday through Friday, 8:00 a.m. through 4:30 p.m. Central Standard Time. You may reach us at:
American Income Life Insurance Company
1200 Wooded Acres Drive
Waco TX 76710
Telephone: (254) 761-6400
American Income Life Insurance Company
PO Box 2608
Waco TX 76797