Terms & Conditions

For purposes of this Terms and Conditions statement only, "We (or “Us” and “Our”) is defined as COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company®, COUNTRY Casualty Insurance Company®, COUNTRY Life Insurance Company®, COUNTRY Investors Life Assurance Company®, CC Services Inc., COUNTRY® Capital Management Company, Cotton States Life Insurance Company ℠, COUNTRY Trust Bank® and their respective parents, affiliates, and subsidiaries (collectively also sometimes referred to herein as "COUNTRY Financial®").  “You” (or “Your”) refers to the user of this website (the “Website”).  

These Terms and Conditions are applicable to use of this Website, regardless of how You accessed it. Please read these Terms and Conditions carefully. By making use of this Website to facilitate an insurance quote or cost comparison, inquire about coverage, request service on a policy, request or inquire about financial services, or access Your accounts, You agree to be bound by the Terms and Conditions set out below, as well by the Security and Privacy provisions of the Website, and any additional terms and conditions set forth on individual pages of the Website, all of which are incorporated by reference into these Terms and Conditions. If You do not wish to be bound by these Terms and Conditions, do not continue to use or access this Website.

Your continued use of this Website constitutes Your binding acceptance of these Terms and Conditions, including any changes or modifications made hereafter. The updated, online version of these Terms and Conditions shall supersede any prior version. By accepting and agreeing to these Terms and Conditions, You represent that You have full power and authority to enter into and perform this agreement and that such ability is not limited or restricted in any way.

Insurance products and services promoted through this Website are underwritten and issued by the insurance companies comprising COUNTRY Financial®, except as stated otherwise. Property and casualty policies that are issued by insurance companies within COUNTRY Financial® are issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® or  COUNTRY Casualty Insurance Company®, Bloomington, Illinois.  Life and health policies that are issued by insurance companies within COUNTRY Financial® are issued by COUNTRY Life Insurance Company® or COUNTRY Investors Life Assurance Company®, Bloomington, IL or Cotton States Life Insurance Company ℠, Alpharetta, Georgia. Insurance policies that are not issued by insurance companies within COUNTRY Financial® are purchased through CC Services, Inc., from third-party insurers not affiliated with COUNTRY Financial®.

The descriptions of the various products and services offered by COUNTRY Financial®, contained in this Website, are provided solely for general informational purposes. The information and descriptions contained herein are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services.  The precise insurance coverage under any COUNTRY Financial® product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described in this Website vary from state to state and not all products, coverages or services are available in all states in which We operate. The products and services We offer are available only to individuals living in the United States. Check with Your COUNTRY Financial® representative or contact us for more information.

Any estimate, quote or cost comparison provided through this Website is not a contract, binder or agreement to extend insurance coverage. The coverage information in Our estimates, quotes or costs comparisons are based on the most common coverage selected by Our customers, and actual coverage available may vary based on the laws of each state.

If a policy is issued to You, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company. Estimates, quotes or cost comparisons are based on the information provided or validated by You, and all information is subject to verification.  In certain instances, for Your convenience and to provide services requested by You, information may be obtained from third-party sources for Your review and validation. This information, as selected by You, will be considered as validated and provided by You. If any information You provided or validated is inaccurate or incomplete, or additional information is discovered, the estimated or quoted rate could  be inaccurate or invalid, and a new rate may apply. To obtain coverage, You must submit an application to a qualified COUNTRY Financial® representative and a policy must be issued to You. Rates and coverages are subject to change, and may change during the time between from Your estimate or quote, and the time of Your application. Any policy issued to You will be subject to the rates, rules, discounts, and coverages applicable to You based on Your underwriting factors known to Us when Your policy is issued.   

We are committed to notifying people applying for insurance about Our information practices and Our use of credit-based insurance scores. If You are interested in more detail on Our information practices, please read our Security and Privacy provisions.

We are proudly affiliated with the Illinois Agricultural Association®, a statewide general farm organization devoted to improving the economic well-being of agriculture and enhancing the quality of farm family life. We are also associated with similar state farm organizations in Alaska, Nevada, and Oregon. Policies issued by COUNTRY Mutual Insurance Company® and COUNTRY Preferred Insurance Company® require membership in the Illinois Agricultural Association®, or its equivalent in Alaska, Nevada, and Oregon, to be eligible for a policy from these insurers (in Alaska, this requirement is for farm-related policies only).  Membership dues to these separate organizations are not part of, and in addition to, Your premium, and are not included in the cost of any estimates, quotes or cost comparisons You receive through this Website. Check with Your COUNTRY Financial® representative or contact us for more information about these eligibility requirements.

For Insurance Affiliates:

We provide this information to promote insurance products within specific jurisdictions in the United States of America only, including but not limited to Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Missouri, Minnesota, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin. This information is only applicable to and intended for use in those areas in which Our affiliated insurance companies and agencies are authorized to write insurance business. Our insurance companies may not transact insurance in other locations. 

CC Services, Inc.: CC Services, Inc. is an Illinois corporation and a licensed insurance agency in multiple states.

For Financial Services Affiliates:

Investment management, retirement, trust and planning services are provided by COUNTRY Trust Bank®, a federally chartered thrift. Products and services offered by COUNTRY Trust Bank® and its affiliates are not insured by the FDIC, are not a deposit into or guaranteed by any bank, and may lose value.

COUNTRY® Capital Management Company is a limited-purpose registered broker/dealer that is registered to do business in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Illinois, Iowa, Kansas, Kentucky, Maine, Michigan, Minnesota, Missouri, Nebraska, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas,  Washington, and Wisconsin.

You are solely responsible for any information You provide us or other visitors through Your use of this Website, and You agree that information You provide will be accurate and will not a) infringe any third party's copyright, trademark or other proprietary rights of publicity or privacy; nor b) be defamatory, libelous, otherwise threatening or harassing, or otherwise violate any applicable law or regulation. You may not use the Website to conduct any illegal business or activity.

Information You provide to the Website may be lost or destroyed, or may be edited or removed from the Website by us. We are not responsible for the loss of such information. You should retain copies of all important information You provide to the Website.

You are responsible for keeping any password confidential. You agree that We are authorized to act on instructions given under Your password or identification, even if You did not consent to the transaction submitted. You agree to notify us toll free at 1-866-COUNTRY (1-866-268-6879) about any unauthorized use of Your password or breach of security applicable to Your password, identification, or use of this Website.

We operate a commercial Website, and insurance or financial transactions with COUNTRY Financial® are not intended for children. We do not knowingly collect or solicit any information from or about any children for marketing purposes through this Website.

Comments represent the opinion of the author and do not necessarily represent the views of the entities comprising COUNTRY Financial®. We do not endorse or verify the accuracy of any comments posted or transmitted. We reserve the right to remove any comment without prior notice.

The COUNTRY Financial® names, logos and marks are the property of COUNTRY Mutual Insurance Company® and COUNTRY Life Insurance Company®, or its other affiliates. You are not authorized to use any COUNTRY Financial® name or mark in any advertising, publicity, or in any other commercial manner without our written consent. All rights in and to the Website belong to CC Services, Inc. The Website and its content, aside from user contributions, are protected by copyright, both with respect to individual content and as a collective work and/or compilation, pursuant to U.S. copyright law, international conventions, and other copyright laws. You may not modify, publish, create derivative works from, distribute or otherwise exploit any of the Website's protected content without Our prior written consent.

YOU EXPRESSLY AGREE THAT USE OF THIS WEBSITE IS AT YOUR SOLE RISK. NEITHER CC SERVICES, INC., NOR ANY OF ITS PARENTS, AFFILIATES, SUBSIDIARIES, ASSIGNEES, LICENSEES, OFFICERS, AGENTS, EMPLOYEES (KNOWN ALL TOGETHER HERE AS "COUNTRY FINANCIAL") WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE.

THE WEBSITE IS OFFERED "AS IS" AND "AS AVAILABLE" WITH NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF SECURITY, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL WARRANTIES ARE DISCLAIMED.

COUNTRY FINANCIAL SHALL HAVE NO LIABILITY FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES SUFFERED BY YOU OR ANY OTHER PARTY AS A RESULT OF THE OPERATION, INABILITY TO OPERATE OR MALFUNCTION OF THE WEBSITE, REGARDLESS OF WHETHER OR NOT ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You waive any claim against Us based upon the quality or availability of the Website, regardless of cause.

You acknowledge that any network communication or activity involves resources beyond Our control, including, without limitation, e-mail, file transfers, and information gathering, and is subject to risks inherent to the internet and to communications generally. We make no representation that any data sent to or from, or residing at, Our Website or systems are safe from destruction, corruption, misdirection, or service interruption.

You agree that We shall not be liable for failure to provide services or access to this Website during any period in which it cannot perform due to any cause beyond Our control, including without limitation natural disaster, power failure, accident, labor controversy, act of God, or the intervention of any government authority.

You shall indemnify and hold harmless Us and Our partners, employees, parent, affiliates, directors, officers and agents against all claims, losses, damages, actions, arbitrations, demands, suits, expenses, costs and liabilities (including reasonable attorney’s fees) arising out a) Your use of this Website, by You or any person using Your account and password, or b) Your breach of these Terms and Conditions.

Our Website contains links to other Internet sites, including other insurance affiliates, that are not maintained by Us ("Third Party Sites"). These links are provided solely for convenience. We make no warranties or representations about the contents of or any products or services offered by such Third Party Sites. We encourage You to read the terms and conditions of Third Party Sites prior to using them.

We recognize that insurance and financial services transactions involve complex financial and legal issues. Nothing on this Website is intended as professional advice regarding legal, tax, or financial planning matters. You should consult a professional of Your choice for individual advice tailored to Your situation. In addition, the safety information included in this Website is not intended as health or engineering advice, and should not be relied upon as professional advice on these topics.

No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. No waiver of any term shall be effective absent expressed written consent by Our authorized representative.

We reserve the right to access and disclose any information necessary to comply with applicable laws and lawful government requests, to operate Our systems properly, or to protect us from harm or liability.

This Agreement shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions. If any provision of this Agreement should be invalid under applicable laws, such provision shall be ineffective to the extent of such conflict without affecting the remaining provisions of this Agreement.