Lewer Legal Disclaimer

Terms of Use

Thanks for visiting Lewer.com. This website is maintained by The Lewer Companies, which includes The Lewer Agency, Inc. and Lewer Life Insurance Company (hereinafter referred to as “The Lewer Companies” or “Lewer”). 

The following Terms of Use govern your access to and use of Lewer.com, including any content, functionality, and services offered on or through Lewer.com, whether as a guest or as a registered user. Please read the Terms of Use carefully before you start to use the website. By using the website, you accept and agree to be bound and abide by these Terms of Use. If you do not want to agree to these Terms of Use, you must not access or use the website.

We hope that you find the information presented on our website helpful. Though there’s a lot of information, please read these conditions carefully before exploring our website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this website, so you are aware of any changes, as they are binding on you.

We reserve the right to withdraw or amend this website, and any service or material we provide on the website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the website is unavailable at any time or for any period. 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 website and the services provided on it may not always be available. From time to time, we may restrict user access, including registered user access, to some parts of the website or the entire website.

Reliance on Content

The information, descriptions, and discussions contained in this website 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 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 Companies, you can reach us on our contact page.

While we 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. Any such reference to a particular product or service is purely for illustrative or informational purposes. In any event, The Lewer Companies strongly recommends that you consult a qualified, licensed individual before making any purchase or investment. Additionally, some products mentioned on the website 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; Disclaimer of Warranties

We have used our best efforts to provide you with current, accurate information on this website. However, sometimes errors or omissions do occur. Therefore, The Lewer Companies makes no warranties or representations as to the accuracy of the content on our website. 

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. 

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE LEWER COMPANIES NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE LEWER COMPANIES NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE LEWER COMPANIES, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

Personal Information; Use of Cookies and the Collection and Use of Anonymous Traffic Data

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 Companies. We may use this non-confidential and non-proprietary information as we deem fit and without remuneration to you.

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 Companies does not release or sell any information collected as a result of your use of this website. By using the website, you consent to all actions taken by us with respect to your information in compliance with the Client Personal Information Protection Policy.

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 Companies. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link to such websites or software downloads does not imply The Lewer 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. If you decide to access any of the third-party websites linked to this website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. 

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 names, logos, product and service names, designs, and slogans are trademarks of The Lewer Companies or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners. All information presented on this website (Including, but not limited to, data, articles, and images) is subject to copyright or trademark protection and is owned by The Lewer Companies 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 Companies.

Geographic Restrictions

The owner of the website is based in the United States. Access to the website may not be legal by certain persons or in certain countries. If you access the website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Governing Law and Jurisdiction

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the website shall be instituted exclusively in the federal courts of the State of Kansas, or the District Court of Johnson County, Kansas, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Waiver and Severability

No waiver by The Lewer Companies of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Your Comments and Concerns

This website is operated by The Lewer Companies, 9900 West 109^th St., Suite 200, Overland Park, Kansas 66210. All feedback, comments, requests for technical support, and other communications relating to the website should be directed to (800) 821-7715.