Terms & Conditions

Reference to CNO in this Web site is used throughout to mean CNO Financial Group, Inc. and/or its subsidiaries and/or the products of its subsidiaries depending on the context.

Conditions of Use
By using this site, you signify your agreement to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site. CNO may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

The materials on this Web site are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. CNO  does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components. CNO does not warrant or make any representations regarding the use or the results of the use of the materials on this Website in terms of their correctness, accuracy, reliability, or otherwise. You (and not CNO) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed through this Web site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent of CNO. CNO does not endorse, approve or certify any information, product or service referenced or provided at such addresses.

Limitation of Liability
While CNO uses reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions may occur. CNO makes no warranties or representations as to the accuracy of this Website. Under no circumstances including, but not limited to, negligence by act or omission, shall CNO or any party involved in creating, producing, or delivering this Website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if CNO or a CNO-authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall CNO's total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this Website.

CNO assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from this Website.

Restrictions on Use of Materials
This site is owned and operated by CNO Permission is granted to display and navigate around this Website with a computer using HTML browser software, solely for personal use or as authorized by CNO. Any other use of this Website or any portion hereof is strictly prohibited.


Except as otherwise permitted by CNO, no materials from www.cnoinc.com or any Website owned, operated, licensed or controlled by CNO may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for use authorized by CNO only provided you retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public purposes, including the text, images, audio, and video, without CNO's written permission. CNO neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties not owned by or affiliated with CNO.

Fraud Prevention

CNO works with service providers to help us verify the identity of individuals who interact with us for fraud prevention purposes. You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship. See our Privacy Policy for how we treat your data.



Jurisdictional Issues
This Website is controlled and operated by CNO from its offices within the State of Indiana, United States of America. CNO makes no representation that materials on this Web site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. Some insurance products may not be available in all states. In addition, the mutual funds and variable insurance products referred to on this Website may be offered and sold only to persons in the United States. These products are distributed by Conseco Equity Sales, Inc.

Trademarks/Service Marks and Copyrights
Images displayed on this Website are either the property of, or used with permission by, CNO. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically authorized by CNO. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

All trademarks, service marks, trade names, logos, and icons used by CNO are proprietary to CNO. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Website without the written permission of CNO or such third party that may own the trademarks or service marks displayed on this Website. Your use of the trademarks or service marks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

Inquiries concerning use of CNO trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to CNO Law Department, 11825 N. Pennsylvania Street, Carmel, Indiana 46032, United States of America.

Any stock quote appearing in this Website is updated on a 20-minute delay from a source other than CNO. CNO does not assume any responsibility for the accuracy of that pricing information. Accordingly, it should not be used for any formal analysis or estimation.

Any communications or material you transmit to this Website by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of CNO or its affiliates. Such communications or material shall be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, CNO is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Website for any purpose whatsoever including, but not limited to, developing and marketing products using such information.

Trademark/Service Mark Notices
CNO and all other trademarks, service marks, trade names and logos used by CNO or its subsidiaries are registered trademarks or service marks of CNO Financial Group, Inc. and/or its subsidiaries.

We are very protective of our trademarks and service marks. If they have not been registered with the United States Patent and Trademark Office, then we have applications pending. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we would be entitled to collect your profits, our actual damages and, perhaps, even our attorney fees. We thank you for your cooperation.