Legal Notices

Protective and Protective Life refer to Protective Life Insurance Company (PLICO) and its affiliates, including MONY Life Insurance Company (MONY). PLICO is the parent company of MONY. PLICO is also the administrator of certain policies issued by MONY Life Insurance Company of America (MLOA). PLICO is located in Birmingham, AL and MONY is located in Syracuse, NY.

Protective Life requires that each visitor (a "User") to this Internet site on the World Wide Web (the "Site") adhere to the following Rules and Regulations. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Rules and Regulations.

Laws and Regulations

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Copyright and Trademarks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Protective Life Insurance Company ("Protective"). Users are prohibited from using any Mark for any purpose without the express written permission of Protective.

No Warranty

All information on this Site is provided to you "as is" without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site. Protective expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Protective has no obligation to update information on this Site, so such information may be out of date at any given time.

Limitation of Liability

Protective specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential or special damage arising out of or in any way connected with access to or use of this Site (even if Protective has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstance will Protective be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

Changes to Rules and Regulations

Protective reserves the right to revise these Rules and Regulations at any time and Users are deemed to be apprised of and bound by any changes to these Rules and Regulations.

Violations of Rules and Regulations

Protective reserves the right to seek any remedy available at law or in equity for any violation of these Rules and Regulations, including the right to block access from a particular Internet address to this Site.

Mandatory, Binding Arbitration

This Site and any resulting agreements, unless otherwise provided therein, shall be governed by the laws of the State of Alabama without giving effect to any principles of conflict of laws, and except as preempted by the Federal Arbitration Act. Your use of this Site constitutes your acceptance of the Rules and Regulations, and you agree that any claim or dispute between you and Protective or any officer, director or employee of Protective related to your use of this Site or any information herein, including the validity of this Mandatory, Binding Arbitration provision, regardless of the amount or value of such claim or dispute, will be resolved by mandatory, binding arbitration to be administered by the American Arbitration Association, the National Arbitration Forum or JAMS, and any hearing will be held in, Birmingham, Alabama.

Information regarding mandatory, binding arbitration and how to file for arbitration may be obtained from www.adr.org, www.arb-forum.org or www.jamsadr.com. you may also contact us regarding a dispute as generally directed at Contact Us. This mandatory, Binding Arbitration provision will be governed by the Federal Arbitration Act.

Use of the MONY marks is under license from AXA Financial Inc. and it’s affiliates. MONY Life Insurance Company ("MONY") is a wholly owned subsidiary of Protective Life Insurance Company. Protective Life Insurance Company serves as administrator for MONY Life Insurance Company of America ("MLOA").