Legal Disclaimer

The Dearborn National® brand companies (Dearborn National® Life Insurance Company, Dearborn National® Life Insurance Company of New York (formerly Fort Dearborn Life Insurance Company® of New York), Colorado Bankers Life Insurance Company®, Dental Network of America®, LLC, Dentemax®, LLC, Preferred Financial Corporation®, subsidiaries of Health Care Service Corporation, a Mutual Legal Reserve Company), have made every effort to present the information contained on this site accurately, but additions, deletions and changes may occur. The Dearborn National brand companies have no obligation to update this site and any information presented may be out of date and may contain inaccuracies or errors. The information is also limited in nature and does not contain all the applicable terms, conditions, limitations or exclusions of the products and services referenced.

The Web site highlights the products and services offered by the Dearborn National brand companies and is for educational purposes only.

Users of this site agree that the Dearborn National brand companies have no liability with respect to any actions taken as a result of or in connection with viewing any information contained on the Web site. You agree to use this site and submit information at your own risk.

Some areas of our site may provide links to other external sites that we don't own, control or influence. We reference sites that we think might be useful or of interest to you, but we are not responsible for the content or privacy practices used by other site owners. Information contained in the external sites is not endorsed by any of the Dearborn National brand companies.

Information on this site does not constitute offers to sell or promote products.

We work to protect this site. Please be aware, however, that unauthorized third parties may possibly obtain illegal access to this site. Please use your own best judgment sending information via the Internet. If you have personal or confidential information to relay to our company, please call Customer Service at 800-348-4512.

Data is routinely gathered on Web site usage, such as how many people visit the site, the sections they visit, what time they visit, how long they stay, etc. Please know that site visitor data is collected on an aggregate, anonymous basis. That means no personal information is associated with this data. Visit our Online Privacy Statement for more information on our commitment to protect information provided through the Internet.

All service-marked, trade-marked and registered items are the sole and exclusive property of the Dearborn National brand companies or its affiliates unless otherwise noted. All rights are reserved. Downloads, copies, or mirrors of this site are forbidden without prior written consent.

We may change or update this disclaimer from time to time without notice. This disclaimer is not intended to and does not create any contractual or other legal rights in or on behalf of any party. Please email us with any additional questions.

Dispute Resolution/Arbitration Policy

In the event of any dispute that arises out of your use of this website, such dispute will be settled by arbitration in accordance with the rules for commercial arbitration of the American Arbitration Association in effect at the time such arbitration is initiated. Each party shall appoint an individual as arbitrator and the two so appointed shall then appoint a third arbitrator. If either party refuses or neglects to appoint an arbitrator within thirty (30) business days, the other party may appoint the second arbitrator. If the two arbitrators do not agree on the third arbitrator within thirty (30) business days of their appointment, each of the arbitrators shall nominate three individuals. Each arbitrator shall then decline two of the nominations presented by the other arbitrator. The third arbitrator shall then be chosen from the remaining two nominations by drawing lots. The arbitration hearing shall be held in a place chosen by the party bringing the arbitration or as may be mutually agreed to by the parties.

The arbitrators shall follow judicial formalities or the rules of evidence required by governing law. The law of Illinois shall govern this arbitration to the fullest extent permitted by law, excluding the Federal Arbitration Act and the arbitration law of all other states, irrespective of the location of the arbitration proceedings or of the court in which any related judicial proceedings may take place.

The decision rendered by a majority of the arbitrators shall be final and binding on both parties. Such decision shall be a condition precedent to any right of legal action arising out of the arbitrated dispute which either party may have against the other. Judgment upon the award rendered may be entered in any court having jurisdiction thereof. Each party shall pay its own costs and attorneys’ fees, the fee and expenses of its own arbitrator, and one-half of the fee and expenses of the third arbitrator. All other expenses of the arbitration shall be equally divided between the parties. Any action filed in order to enforce this Agreement, including an arbitration award will be filed solely in the courts located in DuPage County, Illinois.

The parties agree, and the appointed arbitrators shall agree as part of acceptance of nomination, to keep confidential and not disclose to persons not connected with the arbitration the details of the arbitration proceeding and all information received by them as may be required by process of law.