LEGAL NOTICE - American Progressive AMERICAN PROGRESSIVE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK (“AMERICAN PROGRESSIVE”), A WHOLLY-OWNED SUBSIDIARY OF UNIVERSAL AMERICAN FINANCIAL CORP., WILL USE ALL REASONABLE EFFORTS TO SAFEGUARD THE CONFIDENTIALITY OF IDENTIFIABLE INFORMATION PROVIDED TO IT. THE USER ACKNOWLEDGES AND AGREES THAT THE TRANSMISSION AND RECEIPT OF DATA VIA THE INTERNET OR THROUGH AMERICAN PROGRESSIVE'S WEB SITE CANNOT BE MADE ABSOLUTELY SECURE AND THAT IN NO EVENT SHALL AMERICAN PROGRESSIVE BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS OR LOSS OF DATA (EVEN IF AMERICAN PROGRESSIVE IS ADVISED OF THE POSSIBILITY OF SUCH), WITHOUT LIMITATION, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS WEB SITE OR OF ANY INFORMATION TRANSMITTED FROM OR TO AMERICAN PROGRESSIVE VIA THE INTERNET, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR INFORMATION AVAILABLE FROM THE SERVICES PROVIDED BY THIRD PARTIES. LINKS TO THIRD PARTIES MAY TAKE USERS OUT OF AMERICAN PROGRESSIVE'S WEB SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF AMERICAN PROGRESSIVE AND AMERICAN PROGRESSIVE IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE, ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. AMERICAN PROGRESSIVE IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. AMERICAN PROGRESSIVE IS PROVIDING THESE LINKS TO USERS AS A CONVENIENCE ONLY. THE INCLUSION OF ANY LINK DOES NOT IMPLY AMERICAN PROGRESSIVE'S ENDORSEMENT OF THE SITE UNLESS SELECTCARE EXPRESSLY STATES THAT AMERICAN PROGRESSIVE HAS A MATERIAL INTEREST OR CONTRACTUAL RELATIONSHIP WITH SAID SITE. THIS STATEMENT IS NOT INTENDED TO CREATE A CONTRACTUAL OR LEGAL RIGHT IN OR ON BEHALF OF ANY PERSON OR ENTITY OTHER THAN THOSE EXPRESSLY STATED WITHIN THIS NOTICE. THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS WEB SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. AMERICAN PROGRESSIVE MAY MAKE IMPROVEMENTS AND CHANGES IN THE CONTENT OF THIS WEB SITE AND ANY PRODUCTS AND THE PROGRAMS DESCRIBED HEREIN AT ANY TIME WITHOUT NOTICE. THIS WEB SITE CONTAINS INTELLECTUAL PROPERTY THAT IS THE SOLE PROPERTY OF AMERICAN PROGRESSIVE. ANY USE THEREOF, INCLUDING, BUT NOT LIMITED TO, USE OF THE AMERICAN PROGRESSIVE NAME OR LOGO, WITHOUT THE EXPRESS PRIOR WRITTEN CONSENT OF AMERICAN PROGRESSIVE, MAY RESULT IN LEGAL ACTION BEING TAKEN. AMERICAN PROGRESSIVE AND TODAY’S OPTION ARE THE FEDERALLY REGISTERED TRADEMARKS AND TRADE NAMES OF AMERICAN PROGRESSIVE. THE AMERICAN PROGRESSIVE AND TODAY’S OPTION LOGOS ARE PROTECTED BY FEDERAL AND STATE COPYRIGHT LAWS. OTHER MARKS MAY BE INCLUDED OR REMOVED FROM THIS WEBSITE AT ANY TIME. FURTHER, THE INFORMATION CONTAINED IN THIS WEBSITE, AND ITS ASSOCIATED WEBSITES IS PROVIDED AS A SERVICE TO THE INTERNET COMMUNITY AND AMERICAN PROGRESSIVE ENROLLEES, PROSPECTIVE ENROLLEES, AND THE GENERAL PUBLIC. ANY INFORMATION OR FORMS CONTAINED IN THIS WEBSITE OR ANY LINKED WEBSITE DOES NOT CONSTITUTE MEDICAL OR LEGAL ADVICE. WE TRY TO PROVIDE QUALITY INFORMATION, BUT WE MAKE NO CLAIMS, PROMISES, OR GUARANTEES ABOUT THE ACCURACY, COMPLETENESS, OR ADEQUACY OF THE INFORMATION CONTAINED IN OR LINKED TO THIS WEBSITE OR ITS ASSOCIATED SITES. AS MEDICAL AND LEGAL ADVICE MUST BE TAILORED TO THE SPECIFIC CIRCUMSTANCES OF EACH PERSON, AND THE LAWS ARE CONSTANTLY CHANGING, NOTHING PROVIDED HEREIN SHOULD BE USED AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT MEDICAL PROVIDER OR ATTORNEY AND YOU ARE URGED TO CONSULT WITH AN APPROPRIATE PROFESSIONAL FOR INFORMATION SPECIFIC TO YOUR NEEDS. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED. LEGAL NOTICE - Pyramid Life Insurance THE PYRAMID LIFE INSURANCE COMPANY (“PYRAMID”), A WHOLLY-OWNED SUBSIDIARY OF UNIVERSAL AMERICAN FINANCIAL CORP., WILL USE ALL REASONABLE EFFORTS TO SAFEGUARD THE CONFIDENTIALITY OF IDENTIFIABLE INFORMATION PROVIDED TO IT. THE USER ACKNOWLEDGES AND AGREES THAT THE TRANSMISSION AND RECEIPT OF DATA VIA THE INTERNET OR THROUGH PYRAMID'S WEB SITE CANNOT BE MADE ABSOLUTELY SECURE AND THAT IN NO EVENT SHALL PYRAMID BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS OR LOSS OF DATA (EVEN IF PYRAMID IS ADVISED OF THE POSSIBILITY OF SUCH), WITHOUT LIMITATION, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS WEB SITE OR OF ANY INFORMATION TRANSMITTED FROM OR TO PYRAMID VIA THE INTERNET, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR INFORMATION AVAILABLE FROM THE SERVICES PROVIDED BY THIRD PARTIES. LINKS TO THIRD PARTIES MAY TAKE USERS OUT OF PYRAMID'S WEB SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF PYRAMID AND PYRAMID IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE, ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. PYRAMID IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. PYRAMID IS PROVIDING THESE LINKS TO USERS AS A CONVENIENCE ONLY. THE INCLUSION OF ANY LINK DOES NOT IMPLY PYRAMID'S ENDORSEMENT OF THE SITE UNLESS SELECTCARE EXPRESSLY STATES THAT PYRAMID HAS A MATERIAL INTEREST OR CONTRACTUAL RELATIONSHIP WITH SAID SITE. THIS STATEMENT IS NOT INTENDED TO CREATE A CONTRACTUAL OR LEGAL RIGHT IN OR ON BEHALF OF ANY PERSON OR ENTITY OTHER THAN THOSE EXPRESSLY STATED WITHIN THIS NOTICE. THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS WEB SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. PYRAMID MAY MAKE IMPROVEMENTS AND CHANGES IN THE CONTENT OF THIS WEB SITE AND ANY PRODUCTS AND THE PROGRAMS DESCRIBED HEREIN AT ANY TIME WITHOUT NOTICE. THIS WEB SITE CONTAINS INTELLECTUAL PROPERTY THAT IS THE SOLE PROPERTY OF PYRAMID. ANY USE THEREOF, INCLUDING, BUT NOT LIMITED TO, USE OF THE PYRAMID NAME OR LOGO, WITHOUT THE EXPRESS PRIOR WRITTEN CONSENT OF PYRAMID, MAY RESULT IN LEGAL ACTION BEING TAKEN. PYRAMID AND TODAY’S OPTION ARE THE FEDERALLY REGISTERED TRADEMARKS AND TRADE NAMES OF PYRAMID. THE PYRAMID AND TODAY’S OPTION LOGOS ARE PROTECTED BY FEDERAL AND STATE COPYRIGHT LAWS. OTHER MARKS MAY BE INCLUDED OR REMOVED FROM THIS WEBSITE AT ANY TIME. FURTHER, THE INFORMATION CONTAINED IN THIS WEBSITE, AND ITS ASSOCIATED WEBSITES IS PROVIDED AS A SERVICE TO THE INTERNET COMMUNITY AND PYRAMID ENROLLEES, PROSPECTIVE ENROLLEES, AND THE GENERAL PUBLIC. ANY INFORMATION OR FORMS CONTAINED IN THIS WEBSITE OR ANY LINKED WEBSITE DOES NOT CONSTITUTE MEDICAL OR LEGAL ADVICE. WE TRY TO PROVIDE QUALITY INFORMATION, BUT WE MAKE NO CLAIMS, PROMISES, OR GUARANTEES ABOUT THE ACCURACY, COMPLETENESS, OR ADEQUACY OF THE INFORMATION CONTAINED IN OR LINKED TO THIS WEBSITE OR ITS ASSOCIATED SITES. AS MEDICAL AND LEGAL ADVICE MUST BE TAILORED TO THE SPECIFIC CIRCUMSTANCES OF EACH PERSON, AND THE LAWS ARE CONSTANTLY CHANGING, NOTHING PROVIDED HEREIN SHOULD BE USED AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT MEDICAL PROVIDER OR ATTORNEY AND YOU ARE URGED TO CONSULT WITH AN APPROPRIATE PROFESSIONAL FOR INFORMATION SPECIFIC TO YOUR NEEDS. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED. LEGAL NOTICE - Marquette National Life Insurance MARQUETTE NATIONAL LIFE INSURANCE COMPANY (“MARQUETTE) IS LICENSED IN ALL STATES WHERE IT CONDUCTS BUSINESS.  MARQUETTE WILL USE ALL REASONABLE EFFORTS TO SAFEGUARD THE CONFIDENTIALITY OF IDENTIFIABLE INFORMATION PROVIDED TO IT. THE USER ACKNOWLEDGES AND AGREES THAT THE TRANSMISSION AND RECEIPT OF DATA VIA THE INTERNET OR THROUGH MARQUETTE'S WEB SITE CANNOT BE MADE ABSOLUTELY SECURE AND THAT IN NO EVENT SHALL MARQUETTE BE LIABLE FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS OR LOSS OF DATA (EVEN IF MARQUETTE  IS ADVISED OF THE POSSIBILITY OF SUCH), WITHOUT LIMITATION, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS WEB SITE OR OF ANY INFORMATION TRANSMITTED FROM OR TO MARQUETTE VIA THE INTERNET, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR INFORMATION AVAILABLE FROM THE SERVICES PROVIDED BY THIRD PARTIES. LINKS TO THIRD PARTIES MAY TAKE USERS OUT OF MARQUETTE'S WEB SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF MARQUETTE  AND MARQUETTE  IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE, ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES.  MARQUETTE IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. MARQUETTE IS PROVIDING THESE LINKS TO USERS AS A CONVENIENCE ONLY. THE INCLUSION OF ANY LINK DOES NOT IMPLY MARQUETTE 'S ENDORSEMENT OF THE SITE UNLESS MARQUETTE EXPRESSLY STATES THAT MARQUETTE HAS A MATERIAL INTEREST OR CONTRACTUAL RELATIONSHIP WITH SAID SITE. THIS STATEMENT IS NOT INTENDED TO CREATE A CONTRACTUAL OR LEGAL RIGHT IN OR ON BEHALF OF ANY PERSON OR ENTITY OTHER THAN THOSE EXPRESSLY STATED WITHIN THIS NOTICE. THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS WEB SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. MARQUETTE MAY MAKE IMPROVEMENTS AND CHANGES IN THE CONTENT OF THIS WEB SITE AND ANY PRODUCTS AND THE PROGRAMS DESCRIBED HEREIN AT ANY TIME WITHOUT NOTICE. THIS WEB SITE CONTAINS INTELLECTUAL PROPERTY THAT IS THE SOLE PROPERTY OF MARQUETTE . ANY USE THEREOF, INCLUDING, BUT NOT LIMITED TO, USE OF THE MARQUETTE NAME OR LOGO, WITHOUT THE EXPRESS PRIOR WRITTEN CONSENT OF MARQUETTE, MAY RESULT IN LEGAL ACTION. MARQUETTE AND TODAY’S OPTIONS ARE THE FEDERALLY REGISTERED TRADEMARKS AND TRADE NAMES OF MARQUETTE. THE MARQUETTE AND TODAY’S OPTIONS LOGOS ARE PROTECTED BY FEDERAL AND STATE COPYRIGHT LAWS. OTHER MARKS MAY BE INCLUDED OR REMOVED FROM THIS WEBSITE AT ANY TIME. FURTHER, THE INFORMATION CONTAINED IN THIS WEBSITE, AND ITS ASSOCIATED WEBSITES IS PROVIDED AS A SERVICE TO THE INTERNET COMMUNITY AND MARQUETTE ENROLLEES, PROSPECTIVE ENROLLEES, AND THE GENERAL PUBLIC. ANY INFORMATION OR FORMS CONTAINED IN THIS WEBSITE OR ANY LINKED WEBSITE DOES NOT CONSTITUTE MEDICAL OR LEGAL ADVICE. WE TRY TO PROVIDE QUALITY INFORMATION, BUT WE MAKE NO CLAIMS, PROMISES, OR GUARANTEES ABOUT THE ACCURACY, COMPLETENESS, OR ADEQUACY OF THE INFORMATION CONTAINED IN OR LINKED TO THIS WEBSITE OR ITS ASSOCIATED SITES. AS MEDICAL AND LEGAL ADVICE MUST BE TAILORED TO THE SPECIFIC CIRCUMSTANCES OF EACH PERSON, AND THE LAWS ARE CONSTANTLY CHANGING, NOTHING PROVIDED HEREIN SHOULD BE USED AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT MEDICAL PROVIDER OR ATTORNEY AND YOU ARE URGED TO CONSULT WITH AN APPROPRIATE PROFESSIONAL FOR INFORMATION SPECIFIC TO YOUR NEEDS. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED. Last Modified: 10/01/2007