Terms & Conditions for Use of this Site
Last Updated: August 16, 2021
Your use of the Progressive Life Insurance Company (“Progressive Life”) site (“Site”) and the insurance policies provided by it (“Services”) are expressly conditioned on your acceptance of these Terms & Conditions for Use of this Site (“Terms of Use”). If you do not agree with any part of the Terms of Use, you must not use this Site or the Services. Progressive Life and the Services are provided by Progressive Life and its affiliated companies (collectively, “Progressive”) and its third-party service providers.
Progressive reserves the right to modify these Terms of Use at any time. Continued use of this Site by you will constitute your acceptance of any revisions to the Terms of Use. Please check this page regularly.
Policy Limitations
Progressive Life allows a maximum of one (1) policy to be issued to each individual at any given time. You agree that you shall not obtain more than the one (1) policy for any individual insured person at any given time. Any such additional policies will be void as of the date of purchase and of no effect. Progressive Life will return any premium payments made for such additional policy(ies) upon discovery. Your initial policy will not be impacted and will continue in accordance with its terms.
Copyright / Trademark
Except where otherwise indicated, all materials contained in this Site are the copyrighted property of Progressive and/or third-party licensors. The Progressive Life logo, all other service marks, and the names of various products and services described within are service marks of Progressive. All other trademarks or service marks are the property of their respective owners.
Permission is hereby granted to use, copy and distribute these materials as presented in this Site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
Except as expressly provided herein, you shall not use any portion of this Site, or any other intellectual property of Progressive (including, but not limited to Progressive Life service marks) , on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials, including mobile applications. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Site's content or frame this Site within any other Site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Progressive, is prohibited.
Progressive Life does not knowingly permit anyone to post on this Site materials that infringe on the intellectual property rights of third parties. If you believe that your work has been copied and is available on this Site in a way that constitutes copyright infringement, please provide our designated agent (named below) with a notice that includes substantially the following information:
- a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
- identification of the copyrighted work claimed to have been infringed;
- identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
- your contact information, including your address, telephone number, and email address;
- a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
- a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
Upon receipt of a notice meeting the above requirements, we will respond in accordance with the Digital Millennium Copyright Act to remove or disable access to the material claimed to be infringing or to be the subject of infringing activity. We will also terminate account access by repeat infringers where we deem appropriate. Our designated agent for notices concerning copyright infringement is:
- Steve Klick, Digital Manager
- Progressive Life Insurance Company
- 300 North Commons Blvd.
- Mayfield Village, OH 44143
- Steven_A_Klick@Progressive.com
- 440-395-1901 (phone)
- 440-395-1812 (fax)
Submitted Ideas Policy
When you submit ideas or materials to Progressive Life (“Submissions”), such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos , or videos, you grant to Progressive Life and its affiliated companies a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish , disclose, or exploit the Submission at the discretion of Progressive Life and its affiliated companies.
Third-Party Sites
This site may contain links to other Internet Web sites (“Third-party Sites”) that are not maintained by Progressive Life. These links are provided solely for your convenience. Progressive Life makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of the respective Third-party Sites.
Privacy & Security
Please review our Privacy & Security Policy, which also governs your visit to this Site.
Telephone and E-mail Contact Consent
In accordance with the Telephone Consumer Protection Act, you expressly consent to be contacted by and receive communications from Progressive Life and/or its affiliated companies or third-party service providers for any and all purposes arising out of or relating to your policy with Progressive Life or the Services , at any telephone number or e-mail address you provide. You agree such contact may be made in any way , including, without limitation, SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages (including text messages) delivered using automatic telephone dialing system. You also agree that we may contact you by e-mail, using any e-mail address you provide. You certify, warrant and represent that any telephone number and/or e-mail address that you have provided are yours and you are permitted to receive calls or SMS messages (including text messages) or e-mails at each of the telephone numbers or e-mail addresses, respectively, you have provided. You shall alert Progressive Life at hello@progressivelife.com if you cease using a telephone number or e-mail address. Message and data rates may apply. Your agreement with this Section is not a condition of doing business with Progressive Life, and no purchase is required. To opt-out at any time, please contact hello@progressivelife.com .
Password Registration
Some Progressive Life web sites are restricted and require a user identification code (“User ID”) and a password for access. Unauthorized use of or access of such sites is strictly prohibited.
In accessing Progressive Life’s sites requiring a User ID and password, you agree that:
- Progressive Life is entitled to act on instructions received under your User ID and password.
- Neither Progressive Life nor its affiliated companies are liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Progressive.
- You will keep your password confidential and you will notify Progressive Life immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur.
- Progressive Life may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.
Geographic Location Identification
When you visit our Web site, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers computers use to communicate with other devices on computer networks. Though we may identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.
Disclaimer of Warranty
Except as otherwise provided in these Terms of Use, the following will apply. The content and materials in this Site are provided “as is” and without representations or warranties of any kind, either express or implied. To the fullest extent permitted by law, Progressive Life and its affiliated companies expressly disclaim all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Progressive Life and its affiliated companies do not warrant or represent that the Services, functions, or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Progressive Life are free of viruses or other harmful components.
Progressive Life’s cost quote and suggested policy are illustrative and intended to provide general information about life insurance needs, not a personalized assessment of your specific situation. The information provided does not ensure the availability of or eligibility for any specific product or amount of insurance. The cost quote and suggested policy are based, in part, and dependent upon the accuracy of the information provided and may not be exhaustive of all circumstances and, for this reason, are not guaranteed. The price may change after completing the full application. The recommendations provided should not be considered financial, tax, estate planning, or legal advice. Please consult a professional advisor to address your particular circumstances.
Limitation of Liability
To the fullest extent permitted by law, Progressive Life and its affiliated companies shall not be liable for any injury, loss, claim, or damage, nor any indirect, special , incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) your use of the Services; (b) your use of , or inability to use, the Site or content found in this Site, or (c) unless resulting from the gross negligence or intentional actions of Progressive Life and its affiliated companies the unauthorized access to or alteration of your transmissions or data, even if Progressive Life or its affiliated companies have been advised of the possibility of such damages.
Jurisdiction / Enforceability
Use of this site shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.
Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable , then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.
Underwriting Company
Life insurance policies are underwritten by Progressive Life insurance Company which is headquartered at 800 W. St. Clair Ste 200 Cleveland, OH 44113.
eBusiness & Paperless Terms
Full Terms & Conditions
Please read the following eBusiness & Paperless Terms (“Terms and Conditions”) carefully. By proceeding through the quoting and application process and/or purchasing a policy with Progressive Life, you agree to be bound by these Terms & Conditions. If you do not agree with any of these Terms and Conditions, do not continue with your life insurance application as you will not be able to complete a quote or bind a policy.
We reserve the right to modify these Terms and Conditions at any time. Continued participation in the eBusiness & Paperless option will constitute your acceptance of any revisions to the Terms and Conditions. Please check the eBusiness & Paperless Terms on our website regularly and review these Terms and Conditions each time you are asked to agree to them as they may have changed since you last viewed them.
What are the hardware and software requirements?
Hardware Requirements: You will need access to the Internet and a valid email account. Software Requirements: You will need Adobe Acrobat Reader version 4.0 or greater to view eBusiness & Paperless documents. You may download it here.
Should we make changes to the hardware or software requirements such that you may no longer be capable of accessing or retaining your electronic insurance documents, we will inform you of the revised hardware and software requirements. You will then need to review the new requirements and indicate your consent to continue participating in the eBusiness & Paperless option according to the new requirements.
What are my responsibilities?
Once you enroll in the eBusiness & Paperless option, it is your responsibility to inform us of any changes to your email address. Please notify us by utilizing the Customer Service Contact Information below. It is also your responsibility to keep your email address active and capable of receiving new emails. To do this, ensure that your email account has sufficient space for new emails and that your email server and spam-blocking software do not block our emails. We are not responsible for problems arising from emails sent to an inactive or out-of-date email address, unless we are solely negligent for using an incorrect address.
What happens if an email is returned as undeliverable?
If an email is returned to us as undeliverable, we will send you a paper version of the relevant document. After you have bound a policy, if two consecutive emails sent to you are returned to us as undeliverable within a 45-day period, you will be automatically unenrolled from the eBusiness & Paperless option, and you will receive paper versions of all insurance documents via United States Postal Service (USPS). If you have not yet bound a policy and an email is returned to us as undeliverable or email address is otherwise determined to be invalid, your application for a policy will not be able to be processed and no policy will be offered to you. You can re-enroll in the eBusiness & Paperless option by providing a corrected, valid email address and completing the enrollment process again.
Which documents will I receive electronically?
You will receive all documents electronically, unless we cannot deliver electronically due to legal and technological constraints in your state. These documents will be delivered to you via USPS to your postal address.
How can I access my documents?
All documents will be available to you through our website (login required). Your payment reminders are sent to you via email and payments will be processed electronically. We will send you an email with a link to our website when new documents are available to review, print, or save to your computer. It is your responsibility to log in to our website to view your documents.
How can I withdraw my consent?
You may withdraw your consent to review, receive, and sign your documents electronically at any time. Upon withdrawing your consent, all insurance documents will be mailed to your postal address via USPS (please allow up to 24 hours to process your unenrollment). However, for purposes of clarification, your withdrawal of consent shall not affect the validity of any documents sent, reviewed, received, or otherwise completed prior to such withdrawal of consent. If you have an account with us, you may withdraw your consent by logging in to your account on our website and sending us an email requesting to unenroll from the eBusiness & Paperless option. If you do not have an account with us, you may contact Customer Service utilizing the contact information provided below.
How can I request reprints of my documents to be sent via USPS?
If you are unable to view or print your documents from our website, you may request paper copies of your documents, free of charge, at any time. The paper copy will be mailed to your postal address via USPS. You can also request a paper copy of your Policy Contract or Specifications Page by logging in to our website.
Customer Service Contact Information:
Our phone number is 866-826-0586
Our email is hello@progressivelife.com
Acknowledgments
By checking the `I have read, understand, and agree to the eBusiness & Paperless Terms` box, you acknowledge that:
- You have accessed and read all of these Terms and Conditions
- You consent and are able to receive documents electronically;
- You are capable of printing and saving documents;
- You consent to electronically review and sign documents provided to you at this time or in the future;
- You represent that you are the person whose name appears on Progressive Life Insurance documents presented to you and that you will carefully review each document before applying your electronic signature;
- By applying your signature to documents, you are electronically signing those documents, which has the same legal effect as your written signature on a paper version of those documents; and
- Your electronic signature is valid evidence of your intent to enter an agreement with us and is legally binding.
