Website Terms

Terms and Conditions for Use of the Web Site

Modified January 1, 2019

This page sets forth the terms and conditions under which F&G Re makes this site available to you, as well as the terms and conditions governing your use of this site. By making use of this site, you agree to be bound by the terms and conditions stated below, as they may be modified from time to time. Modifications to these terms and conditions of use shall be effective immediately upon their posting on the site. If you do not accept these terms and conditions, please do not continue to use or access this site.

Limitation of Liability

The site and its content are provided “as is” and without warranties of any kind, either expressed or implied, including, but not limited to implied warranties of merchantability or fitness for a particular purpose. F&G Re does not warrant that use of the site will be uninterrupted or error-free, that defects, if any, will be corrected, or that either the site or the server that makes it available to you is free of viruses, disabling devices or other harmful components. F&G Re does not warrant or make any representations regarding the use or the results of the use of the materials on the site in terms of their correctness, accuracy, reliability, or otherwise. You (and not F&G Re) assume the entire cost of all necessary servicing, repair, or correction related to any damage, harm, injury or malfunction associated with your use of the site and/or its contents.
Under no circumstances, including but not limited to negligence by act or omission, shall F&G Re or any party involved in creating, producing, or delivering the site, 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 the site, even if F&G Re or a representative authorized by F&G Re has been advised of the possibility of such damages. By using the site, you accept at your own risk that the Internet and online communications medium may not perform as intended. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall F&G Re total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the site.

Use of the Site; Copyrights, Trademarks & Service Marks

The site is owned and operated by F&G Re. Certain images used on the site are licensed, not owned, by F&G Re and may not be used, distributed, modified, transmitted, reused or reposted without the prior written permission of the party from whom F&G Re has licensed such material. You may access the F&G Re owned material on the site 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 permission of F&G Re. F&G Re neither warrants nor represents that your use of materials displayed on the site will not infringe rights of third parties not owned by or affiliated with F&G Re. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes.

Links To and From Third Party Web Sites

You may note that some of the pages on this site provide hypertext links to other sites created by other organizations. We provide you links to other sites as a free service. Because those other sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors. If you would like to provide a hypertext link from your site to this site, please request our permission before doing so. To request such permission, send a message via e-mail. Please include in the message your name, address and telephone number, and a description of your site and the reason why you would like to establish a link to this site.


Personal Data is personal and/or confidential information data that relates to you, your account with F&G Re and the information personal to you and your account. At times you may initiate communications with us or we may request certain information from you that does not relate to your account. We refer to these interchanges as "Communications." Any Communications or material you transmit to the site by electronic mail or otherwise, including data, questions, comments or suggestions, with the exception of Personal Data transmitted regarding you or your account, will be treated as non-confidential and non-proprietary and will become the property of F&G Re and/or its affiliates (this information is referred to herein as "Non-Confidential Communications"). Such Non-Confidential Communications may be used for a variety of purposes, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, F&G Re retains the right to use ideas, concepts, know-how, or techniques contained in any Non-Confidential Communications you send to the site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. You agree that you shall have no recourse against F&G Re for any alleged or actual infringement or misappropriation of any proprietary right in your Non-Confidential Communications to us.

Collection of Information from Site Visitors

If you send comments or questions via e-mail to any mail box provided on our sites, we will share your communications with our customer service representatives and those employees or agents most capable of addressing your questions and concerns. We will retain your communication until we have done our very best to provide you with a complete and satisfactory response and then we will either discard it or, in some cases, archive it.

Please note that, unless we expressly advise you otherwise, the e-mail facilities at our sites do not provide a means for completely secure and private communications between us. Like most, if not all, non-encrypted Internet e-mail communications, your e-mail may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider to be confidential. If you wish, you may contact F&G Re instead via telephone at the numbers provided at various locations on our sites.

You should also be aware that when you visit our web site, we collect certain information that does not identify you personally, but provides us with "usage data", such as the number of visitors we receive, what pages are visited most often, and what browser and domain name you are using. Additionally, we may gather non-personally identifiable demographics and interests data about you using a feature provided by Google Analytics through use of “cookie” technology (described below). This information my include demographics data, such as your age and gender, and information about your general interests, based on Google’s algorithm. None of the demographics and interests information that we will gather will be personally identifiable, and this information will not be used in any way relating to your insurance application or policy. Learn more about Google's privacy policy. The sole purpose of this data is to continually improve the usefulness of the information we provide at this site.

Like most commercial web sites, we may also use on this site what is known as web browser "cookie" technology or other online tracking technologies and analytical tools, to customize our websites, mobile applications, and social media interactions to enhance your overall customer experience. A "cookie" is a non-executable element of data that a web site can send to your browser when you link to that site. By assigning a unique data element to each visitor, the web site is then able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract personal information about you. This cookie resides on your computer until your Internet browser is turned off and is used to make it easier for you to navigate among different pages at this website. This cookie does not collect any personally identifiable information about you. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a web site is about to deposit a cookie file. You can also opt out of Google Analytics by downloading and installing the Opt-out Browser Add-on. Our mobile and social media applications may also collect non-personally identifiable demographic information (such as age, sex, and city/state location) about the users of each application. This website contains hyperlinks to other websites on the Internet which we do not control, are not governed by our privacy practices and policies and for which we are not responsible. Before you provide information to any of these other websites, you should review their terms of service (or similar legal terms) and their privacy policies so that you know what information is collected by the website and what use or disclosure may be made of information you provide to the website. Our website does not engage in collecting personally identifiable information about your online activities over time and across third-party websites or online services. We have not authorized any third party to collect personally identifiable information about your online activities over time and across different websites when you visit our website. Thus, our website does not respond to web browser "do not track" track signals or other similar mechanisms.


F&G Re is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of F&G Re's right to comply with law enforcement requests or requirements relating to your use of this F&G Re site or information provided to or gathered by F&G Re with respect to such use. Any rights not expressly granted herein are reserved by F&G Re.

Copyright Notice

Copyright © 2019 F&G Reinsurance, Ltd, Sterling House, 16 Wesley Street, PO Box HM 534, Hamilton HM CX. All rights reserved.