The parties to this agreement (the “Agreement”) are the primary covered person, covered person, and/or claimant (“You”) and American Bankers Management Company, including its applicable affiliates (collectively, “Assurant”, “we” or “us”), who agree as follows:

1. By electing to file your benefit (Benefit Activation) online via the Assurant Financial Services Portal, you agree to have us electronically deliver to you any information, correspondence, notices or other documentation related to the Benefit Activation you file (the "Benefit Documents"). You acknowledge and understand that you will receive these electronic Benefit Documents instead of paper documents in the US Mail. You also acknowledge that an adjuster may communicate with you electronically regarding your benefit activation.
2. I have read and agree to the Legal Notice (including browser and computer requirements) for filing a benefit activation.
3. I am the person indicated in the coverage application or enrollment and the e-mail address provided for the additional members for whom I have requested coverage (excluding my minor dependents) is the correct e-mail address of the additional member. I recognize that providing false information in respect to the application, including the concealment of my true identity or the true identity of others, can be a violation of law and that I may be subject to criminal and civil prosecution in respect to such misrepresentation.
4. At any time while this Agreement is effective, you may obtain a paper copy of a particular Benefit Document at no charge by contacting us and requesting a copy through any of the following methods: calling us at (800)-859-0568, emailing us at FSOBenefitsAdministration@assurant.com, or writing to us at FSO Claims & Activations Dept. PO Box 977122 Miami, FL 33197-7122.
5. Since email correspondence may be the primary method of communication between you and us while this Agreement is in effect, you agree that you will promptly notify us of a change in your email address.
6. To access and view the Benefit Documents, you will need an Internet connection, an active, valid email account, and Adobe Acrobat Reader. You will need the hardware capabilities to electronically store or save your Benefit Documents, and you will also need a functional printer to print out your Benefit Documents.
7. You are responsible for accessing, opening and reading your Benefit Documents. Electronic Benefit Documents have the same legal effect as printed ones. If you cannot access, open or read any Benefit Documents, you must contact us. You agree that your email account is configured to properly receive incoming emails from @assurant.com
8. We may amend the terms of this Agreement at any time by providing notice to you of the amendment(s). If you do not agree with the term(s) of the amendment(s), you can terminate this Agreement as described above in Section 4.
9. We do not warrant that the delivery of electronic Benefit Documents will be uninterrupted or free of error. We are not liable for any loss or damage arising from problems or issues with your equipment or your telecommunications provider, for your failure to meet your responsibilities as outlined in this Agreement or on our website, for your failure to access, open and read your Benefit Documents after they are sent to you, or for any equipment problems or other occurrences beyond our reasonable control.
10. By accepting this Agreement below, you acknowledge that you have read, understand and agree to the terms and conditions of this Agreement. This Agreement is effective when we receive your acceptance.