Terms and Conditions

Notice

Please carefully read this notice before you use this website. This website is provided by The Savings Bank Mutual Life Insurance Company of Massachusetts [SBLI®] and may be used for informational purposes only. SBLI is a Registered Mark of the Savings Bank Mutual Life Insurance Company of Massachusetts. SBLI retains copyright on all text and graphic images. This means that you may NOT distribute the text or graphics to others or “mirror” this information on your own server without the express written permission of SBLI or modify or re-use the text or graphics on this system. You may print copies of the information or store the files on your own computer for your personal use.

Arbitration Agreement

IMPORTANT: PLEASE REVIEW THE ARBITRATION AGREEMENT SET FORTH BELOW CAREFULLY, AS IT REQUIRES YOU TO RESOLVE DISPUTES WITH SBLI ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION, AND NOT BY A JURY TRIAL. BY ENTERING INTO THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO ALL OF THE TERMS OF THIS AGREEMENT AND HAVE TAKEN TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION.

Product Availability

The information contained in this website is for educational purposes only. It is not an offer to sell or a solicitation of an offer to buy or sell any insurance product or service. Sales can only be made by licensed insurance representatives of products approved for sale by insurance regulators in states in which SBLI is licensed. Should you need further information about SBLI’s products, call our direct sales office.

SBLI is a registered trademark of The Savings Bank Mutual Life Insurance Company of Massachusetts. The Savings Bank Mutual Life Insurance Company of Massachusetts is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc.

Sample Product Quotes

Quotes obtained via any of SBLI’s self-service quoting tools are estimates based on personal information you provided. Similarly, SBLI’s advertising materials show rates based on specific criteria. Your actual coverage and premium may vary from sample product quotes based on several factors, including length of term, health and underwriting, and any additional policy features you have chosen after consulting with an SBLI sales professional or an authorized SBLI distribution partner.

SBLI Website Content

SBLI created this website for the convenience of its policyholders and its Internet visitors. The information is presented without express or implied warranties and is provided “AS IS.” Due to the nature of the Internet, SBLI cannot guarantee the accuracy of the information contained in this website or its suitability for any purpose. SBLI does not guarantee the completeness or authenticity of the information contained on this website, or the information, text, graphics, links, website functionality and other items contained on this server.

SBLI 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 is free of viruses or other harmful components as such information is received by you because SBLI cannot control the transmissions of information over the Internet.

In certain cases, content on this website is shown in “pop-up” windows. Visitors running “pop-up blocker” programs will not be able to view this content. You must allow pop-ups from www.sbli.com or first “disable” your pop-up blocker while visiting our website in order to view this content.

Information provided on this website is believed to be generally reliable when posted. However, we cannot guarantee that the information will be accurate, complete and current at all times. This website could include technical inaccuracies or typographical errors. SBLI will from time to time revise the information, products, or services described in this website, and reserves the right to make such changes without notice.

Liability

The use of this website is entirely at your risk. SBLI will in no event be liable for damages, including without limitation direct or indirect, special, incidental, punitive, or consequential damages, losses or expenses arising in connection with using this website or using hypertext links contained herein. SBLI cannot vouch for the accuracy and takes no responsibility for the content of any websites connected by hyperlink to the SBLI Internet site. SBLI will also not be responsible for computer virus contamination of your system. It is your responsibility to scan any downloadable materials received from the Internet.

Consent to Contact

By submitting your telephone number on sbli.com you provide your signature expressly consenting to contact from SBLI or its agents at the number provided regarding products or services via live, automated or prerecorded telephone call. You understand that you are not required to enter into this agreement as a condition of purchasing property, goods, or services. You understand that you can revoke this consent at any time.

Dispute Resolution; Arbitration Agreement; Class Action and Jury Trial Waivers

BY AGREEING TO THE TERMS AND CONDITIONS, YOU AGREE THAT YOU ARE REQUIRED TO RESOLVE ANY CLAIM THAT YOU MAY HAVE AGAINST SBLI ON AN INDIVIDUAL BASIS IN ARBITRATION, AS SET FORTH IN THIS SECTION. THIS WILL PRECLUDE YOU FROM BRINGING ANY CLASS, JOINT, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION (INCLUDING BY MASS ARBITRATION) AGAINST SBLI, AND ALSO PRECLUDE YOU FROM PARTICIPATING IN OR RECOVERING RELIEF UNDER ANY CURRENT OR FUTURE CLASS, JOINT, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION, OR MASS ARBITRATION BROUGHT AGAINST SBLI BY SOMEONE ELSE.

If any dispute arises that cannot be resolved by contacting SBLI Customer Service, you and SBLI agree to have all disputes resolved by arbitration, which shall be final and binding on both parties, except disputes (i) that may be brought in an individual action in small claims court, or (ii) that relate to the ownership or enforcement of intellectual property rights. In addition, you and SBLI each retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights. In any such case, your waiver of the right to a jury trial and the class action waiver set forth in this Arbitration Agreement shall continue to apply.

“Dispute” includes any dispute, claim, action, or other controversy, whether based on past, present, or future events, between you and SBLI concerning the Website or Terms, whether in contract, tort, warranty, statute, regulation, or other legal or equitable basis. You and SBLI empower the Arbitrator with the exclusive authority to resolve any dispute relating to the interpretation, applicability or enforceability of these Terms or the formation of this contract, including the arbitrability of any dispute and any claim that all or any part of the Terms are void or voidable.

CLASS ACTION AND JURY TRIAL WAIVERS. BY ENTERING INTO THE TERMS, YOU AND SBLI EACH EXPRESSLY WAIVE THE RIGHT TO A TRIAL BY JURY. ADDITIONALLY, YOU AND SBLI AGREE THAT EACH MAY ONLY ARBITRATE OR LITIGATE ANY DISPUTE WITH THE OTHER IN AN INDIVIDUAL CAPACITY AND THAT THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTES TO BE ARBITRATED OR LITIGATED IN ANY PURPORTED CLASS, JOINT, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING (INCLUDING ANY MASS ARBITRATION) OR ON BASES INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY OR ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS, OR ANY OTHER PERSONS. As such, you and SBLI acknowledge and agree that each waives any right to participation as a plaintiff or a class member in a class action litigation or arbitration (including mass arbitration), or in any other collective or consolidated action, with respect to these terms. Neither you nor SBLI may be a representative of any other potential claimants or class of potential claimants in any such dispute, nor may two or more users’ disputes be consolidated or otherwise determined in one proceeding. This will also preclude you and SBLI from participating in or recovering relief under any current or future class, joint, collective, representative, or consolidated action or mass arbitration brought by someone else.

• A. Rules and Governing Law. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the AAA’s Consumer Arbitration Rules, the Supplementary Procedures for Consumer Related Disputes, and the Mass Arbitration Supplementary Rules (“AAA Rules”) then in effect, except as modified by this Arbitration Agreement. The AAA Rules and Demand for Arbitration form are available at adr.org or by calling the AAA at 1-800-778-7879. Notwithstanding any choice of law or other provision in the Terms, the parties agree and acknowledge that this Arbitration Agreement involves interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement and proceedings pursuant thereto. It is the intent of the parties that the FAA and AAA Rules shall preempt all state laws to the fullest extent permitted by law. If the FAA and AAA Rules are found to not apply to any issue that arises under this Arbitration Agreement or the enforcement thereof, then that issue shall be resolved under the laws of the Commonwealth of Massachusetts.
• B. Initiating Arbitration. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. If the parties are unable to agree upon an Arbitrator within seven (7) days of delivery of the proposed list of arbitrators by the AAA, then the AAA will appoint the Arbitrator in accordance with the AAA Rules.
• C. Location and Procedures. The arbitration will be conducted solely on the basis of documents you and SBLI submit to the Arbitrator, pursuant to the AAA’s Procedures for the Resolution of Disputes through Document Submission, unless you request a hearing and the Arbitrator determines that a hearing is necessary. Any in-person proceedings will take place in Massachusetts or in another jurisdiction to which you and SBLI agree in writing; provided, however, that if circumstances prevent you from traveling to Massachusetts, the AAA may hold an in-person hearing in the state where you reside.
• D. Arbitrator’s Decision. The Arbitrator will render a final and binding written award with a statement of reasons within the time frame specified in the AAA Rules. The Arbitrator may award declaratory or injunctive relief, but only in favor of the individual claimant, and only to the extent necessary to provide relief warranted by the claimant’s individual claim. The Arbitrator shall not have authority to entertain any claim on behalf of a person who is not a named party, nor shall the Arbitrator have authority to make any award for the benefit of, or against, any person who is not a named party. You and SBLI agree to submit to the exclusive jurisdiction of the federal or state courts located in Middlesex and Suffolk Counties, Massachusetts in order to compel arbitration, to stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
• E. Fees. Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules. SBLI will reimburse those fees for claims totaling less than $10,000 unless the Arbitrator determines the claims are frivolous or brought for an improper purpose (based on the standards set forth in Federal Rule of Civil Procedure 11(b)). Likewise, SBLI will not seek attorneys’ fees and costs in arbitration unless the arbitrator determines the claims are frivolous or brought for an improper purpose (based on the standards set forth in Federal Rule of Civil Procedure 11(b)). The right to recover attorneys’ fees and expenses set forth in the Terms supplements any right to attorneys’ fees and expenses you may have under applicable law. You may not, however, recover duplicative awards of attorneys’ fees or costs.
• F. Severability. If any part of this Arbitration Agreement, other than the class action waiver, is deemed or found to be unenforceable for any reason, the remainder shall be enforceable. The class action waiver is non-severable and if it is deemed or found to be unenforceable for any reason, the whole Arbitration Agreement shall be null and void.

Privacy

We are committed to transparency about SBLI privacy practices.  You can find the Privacy Policy applicable to the Website, which is incorporated into the Terms and Conditions by reference, at www.sbli.com/privacy-policy/.

No Professional Advice

The information available on this Website is intended to be a general information resource regarding the matters covered, and is not offered as legal or other professional advice, and is not tailored to your specific circumstance. You should evaluate all information, opinions and advice available on this Website in consultation with your insurance agent.

Third Party Services

Services and products of third-parties may be offered through the Website. SBLI is not and will not be responsible for (i) the terms and conditions of any transaction between you and any such third party, (ii) any insufficiency of or problems with any such third party’s background, insurance, credit or licensing, (iii) the quality of such products or the services performed by any such third party or (iv) any other legal liability arising out of or related to the performance of such services or the purchase of such products. As a result, you hereby release SBLI and its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes. If you are a California resident, you waive the California Civil Code 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”