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Legal Disclaimer

Thanks for visiting This website is maintained by The Lewer Agency, Inc. [The Lewer Companies which includes The Lewer Agency, Inc. and Lewer Life Insurance Company.] We hope that you find the information presented on our website helpful. Please remember that by viewing our website, you do so under the following conditions of use without limitation or qualification. Though there’s a lot of information, please read these conditions carefully before exploring our website. We do reserve the right to revise or update these conditions at any time by updating this page and you will be considered bound by the conditions currently addressed on this page at the time you visit our website.

We provide this website as a service to our visitors without warranties of any kind either expressed or implied. The information, descriptions, and discussions contained herein are not intended to be a comprehensive discussion of all the terms, exclusions, limitations, or conditions applicable to any of our products and services, and certainly should not be interpreted as legal or financial planning advice. Further, please note that products may vary by state and some products and services may not be available in all states. If you have particular questions, please refer to your policy, the specimen contract for your state, or the relevant product or services agreement for more information. If you would like to speak with someone at The Lewer Agency, you can reach us on our contact page.

While we do maintain this website for marketing purposes, this site is not designed or intended to advance or sell any specific product or service and nothing herein should be considered an offer, a solicitation, or an inducement to purchase an insurance or financial services product. So any such reference to a particular product or service is purely for illustrative or informational purposes. In any event, The Lewer Agency [Companies] strongly recommends [recommend] that you consult a qualified, licensed individual before making any financial purchase. Additionally, some products mentioned herein are offered through a prospectus; always be sure to read the prospectus carefully and understand what you are purchasing before applying for a product or making an investment.

It is important to understand that while your money pays for the product, you must complete an application to purchase that product, and it will be your answers on this application that will determine your eligibility to purchase that product. As such, you must make certain that all answers in your application are true, accurate, and complete. In fact, in most cases your completed application along with the policy terms and conditions will form the basis of the contract. Remember, it is your responsibility to provide true, accurate, and complete information on your application, and your failure to do so could invalidate your policy. However, please keep in mind that no entity (including The Lewer Agency, Lewer Life Insurance Company, or any of their business partners or represented companies) is required or obligated to offer you insurance coverage.

Best Efforts

We strive to always do our very best and have used our best efforts here to provide you with current, accurate information, sometimes errors or omissions do occur. As such, The Lewer Agency [Companies] makes [make] no warranties or representations as to the accuracy of the content on our website and under no circumstances (including, but not limited to, negligence), will Lewer, or any party involved in the creation, production, or publication of this website be liable to you for any damages (including, but not limited to, direct, incidental, consequential, indirect, or punitive damages) that result from the use of, the inability to use, or reliance upon the materials on this website. In any event, Lewer’s total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you to Lewer, if any, for viewing this website. Additionally, we will not be liable for any loss of profit or revenue, or any other indirect or consequential loss you may suffer as a result of the use of any of the information contained on the website.

Similarly, The Lewer Agency does not warrant this website, the links, or any of the functions contained herein will be available and uninterrupted. Nor do we warrant that the website is error-free, that any such errors will be corrected, or that the website, its applications, and servers are virus- free and we cannot and shall not be liable for any damage incurred or viruses received as a result of your browsing this site or the downloading or copying of any information.

With the exception of personal information you supply, if any, any and all information (including data, questions, comments, or suggestions) transmitted via this website or through e-mail, cookies, or otherwise, will be considered non-confidential and non-proprietary and will become the property of The Lewer Agency [Companies]. We may use this non-confidential and non-proprietaryinformation as we deem fit and without remuneration to you.

We may discontinue or temporarily suspend availability of the entire website or any page or pages for any reason and without notice or liability. Routine maintenance, demand on systems and other circumstances may mean that this web site and the services provided on it may not always be available.

Use of Cookies and the Collection and Use of Anonymous Traffic Data

Cookies are simple, harmless programs which track the movements of an individual visitor and within the website and gather information, but which do not personally identify you. The web browser stores this information on disk in the form of a small data file. You may refuse the cookie, if you wish. To do so, you will need to adjust your browser settings.

We use cookies on our site for the purpose of compiling web traffic data. We may automatically collect, track, and log this anonymous traffic data and information for marketing purposes, improving the products and services offered on our web site, administering our website, and tracking and analyzing the usage of our website. We do not gather personal information about any individual website users. Any information gathered by us or stored in the cookie is solely for use in marketing, improving, administering, and analyzing usage of our website.

The Lewer Agency [Companies] does not release or sell any information collected as a result of your use of this website.

Click here to view our Client Personal Information Protection Policy.

Third-Party Websites

From time to time, we may include links to unassociated, third-party websites or to software downloads which are not under the control of The Lewer Agency [Companies]. We cannot be and are not responsible for the content of those websites. The inclusion of any link to such websites or software downloads does not imply The Lewer Agency’s [Companies’] approval or endorsement of those websites or the content. As the user, you assume all risks as well as all legal rights and responsibilities associated with visiting these websites and/or downloading such software.

Intellectual Property

No materials or information contained in this website may be copied, reproduced, republished, posted, transmitted, or distributed in any way without the express written permission of The Lewer Agency or Lewer Life Insurance Company.

All information presented on this website (Including, but not limited to, data, articles, and images) is subject to copyright or trademark protection and is either owned by The Lewer Agency [Companies] or Lewer Life Insurance Company, or is used with permission from the rights holder. By visiting this website, you acquire no rights in the website other than a limited right to use the website in accordance with these terms and conditions.

Nothing contained herein should be interpreted as granting any right or license to use any rights-protected information or images published on this website (including linking this site to a site under your control or under the control of a third-party) without the express written permission of The Lewer Agency or Lewer Life Insurance Company.