TERMS & CONDITIONS OF USE

February 12, 2026

General

This website is for informational purposes only. It does not constitute an offer or solicitation to sell investments or insurance products. The terms and conditions set forth herein (the "Terms & Conditions") constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to the Service.

Please take a few minutes to review the Terms & Conditions. By accessing and using this website, you agree to be bound by each of the Terms & Conditions and all applicable laws and regulations governing the website. If you do not agree with any of the Terms & Conditions, you are not authorized to access or use this website for any purpose.

Product Availability

Unless otherwise specified, the materials in the website are presented solely for the purpose of educating the user about the products and services of Ability Insurance Company. The distribution of information and offer and sale of the products referenced on or through this website may be restricted in certain jurisdictions and are not available outside of the United States. This website should not be considered as communicating any invitation or inducement to engage in prohibited investment or insurance activities. It is the exclusive responsibility of the individual accessing this website to consider carefully their own applicable jurisdiction regulatory requirements and personal circumstances prior to considering an Ability Insurance Company product.

No investment, tax, legal, financial advisor or any other professional advice is provided through this website. You agree that this website will not be used by you for these purposes. You may not rely on any information herein in order to make an investment decision. No representation is given that the products or services discussed in or accessible through this website are suitable for you or any particular investor. You acknowledge that your use of this website and any requests for information made through this website has not been solicited by Ability Insurance Company or any of its affiliates and that the provision of any information through this website shall not constitute or be considered investment advice.

Ability Insurance Company takes all reasonable steps to ensure that the information on the website is accurate and up to date. However, we accept no liability for any errors or omissions on the website or the information contained on the website.

The terms of any Ability Insurance Company product or contract are governed by the formal contract documents explicitly establishing such terms and not by the contents of this website. In the event of any inconsistency between the information on this website and the terms specified in the documents establishing the terms of issue or contract, the terms specified in the issue or contract documents shall exclusively prevail.

Viruses
Because of the marked increase in the fabrication and proliferation of computer viruses affecting the internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the internet. Ability Insurance Company is not responsible or liable for any damage caused by such hazards.

Ability Insurance Company cannot and does not guarantee or warrant that files available for downloading from this website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Ability Insurance Company does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Ability Insurance Company be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.

Access to the Website

We have the right to terminate or restrict your access to the website at any time. These Terms & Conditions shall continue to apply after termination of your access to the website. You may not publish, copy, distribute, modify, transmit, or reproduce in any form (whether in hard copy, electronic or other) or otherwise use the information and materials on the website for any purposes other than those set out in the Terms & Conditions of Use.

Client/Distributor Login Information

Ability Insurance Company may contact you in connection with your application for access to a specified area of this website as part of the process of establishing your eligibility to access that part of this website. You are responsible for ensuring that any information that you provide to Ability Insurance Company enabling it to verify your eligibility is accurate and kept up to date at all times.

Linked Websites

This website may be linked to third party websites or contain information provided by third parties. Ability Insurance Company makes no representation as to the accuracy or completeness of such websites or information.  Ability Insurance Company has not and will not review or update such websites or information and cautions you that any use made of such websites or information is at your own risk. Ability Insurance Company does not accept any liability arising out of the information contained on any linked websites or information on this websites provided by a third party and the use of such websites and information is at your own risk.

Use of the Website; Copyrights, Trademarks & Service Marks

The website is owned and operated by Ability Insurance Company. Certain images used on the website are licensed, but not owned, by Ability Insurance Company and may not be used, distributed, modified, transmitted, reused or reposted without the prior written permission of the party from whom Ability Insurance Company has licensed such material. You may access Ability Insurance Company-owned material on the website for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, reuse or repost such material for public or commercial purposes without the prior written consent of Ability Insurance Company. Ability Insurance Company neither warrants nor represents that your use of materials displayed on the website will not infringe rights of third parties not owned by or affiliated with Ability Insurance Company. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes.
An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. Ability Insurance Company disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

Disclaimer

THIS WEBSITE IS PROVIDED “AS IS.” ALL WARRANTIES, REPRESENTATIONS AND UNDERTAKINGS, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SATISFACTORY QUALITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE AND OF NON-INFRINGEMENT OF THE RIGHTS OF A THIRD PARTY, ARE HEREBY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.

WE MAKE NO REPRESENTATIONS REGARDING THE AVAILABILITY OF THE WEBSITE AND SHALL HAVE NO LIABILITY FOR ANY LOSS WHATSOEVER ARISING FROM YOUR USE OF THE WEBSITE. WE MAKE NO REPRESENTATION OR WARRANTY WITH REGARD TO THE CURRENT VALIDITY, ACCURACY OR COMPLETENESS OF ANY INFORMATION ON THIS WEBSITE. ALL INFORMATION CONTAINED ON THIS WEBSITE MAY CHANGE WITHOUT NOTICE. 

WE MAKE NO REPRESENTATION OR WARRANTY THAT THE WEBSITE OR ANY MATERIAL ON THE WEBSITE WILL BE FREE FROM VIRUSES, DENIAL OF SERVICE ATTACKS OR OTHER DEFECTS. WE RECOMMEND THAT YOU TAKE YOUR OWN PRECAUTIONS TO ENSURE THAT WHATEVER YOU SELECT FOR USE FROM THE WEBSITE IS FREE FROM COMPUTER VIRUSES OR OTHER DEFECTS.

Jurisdiction

The website and the Terms & Conditions of Use are governed by the law of Nebraska and any dispute or action arising out of the use of the website and/or the Terms & Conditions of Use shall be determined exclusively in accordance with the laws of Nebraska. The parties submit to the exclusive jurisdiction of Nebraska courts.

If you have any questions concerning the Terms & Conditions of Use, please contact us using the contact details on the website.