Bankrate Insurance
Gift of Success Sweepstakes
Official Rules
No Purchase Necessary to Enter or Win

Open Only to Legal United States Residents
Void in Florida, New York, Puerto Rico, Rhode Island and Where Prohibited by Law

PRIZE: Subject to the provisions of these Official Rules, during the Promotion Period (as defined below) of the "Bankrate Insurance Gift of Success Sweepstakes" (this "Promotion"), Bankrate Insurance, a division of Bankrate, Inc. ("Bankrate Insurance") will award each of nineteen (19) winners (the "Winners") one of the following nineteen (19) prizes (each, a "Prize" and, collectively, the "Prizes"):

  1. One (1) grand Prize Winner will receive "free leads for a year" (for the purposes of this Promotion, "free leads for a year" means US$300 worth of insurance sales leads per month for twelve (12) consecutive months);
  2. One (1) second Prize Winner will receive a free one (1) year subscription to Velocify Express®;
  3. Each of three (3) third Prize Winners will receive a free six (6) month subscription to Velocify Express®;
  4. Each of two (2) fourth Prize Winners will receive Apple iPad 2® devices;
  5. Each of eight (8) fifth Prize Winners will receive a free three (3) month subscription to Velocify Express®;
  6. One (1) sixth Prize Winner will receive US$500 worth of Available Gift Cards (as defined below);
  7. Each of two (2) seventh Prize Winners will receive an 8 Secrets Success Kit from the Bill Whitely Company®;
  8. One (1) eighth Prize Winner will receive US$200 worth of Available Gift Cards.

"Available Gift Cards" means gift cards (or, as applicable, gift certificates) of each applicable Winner's choice with respect to the following retailers and some additional retailers that can be chosen from a list provided by Bankrate Insurance, in an aggregate amount totaling the dollar amount of the applicable Prize: Brookstone®, Brooks Brothers®, Coach®, Gap®, Kohl's® Department Store, Land's End®, L'Occitane®, Neiman Marcus®, Nike®, Old Navy®, Pottery Barn®, Red Door®, REI®, Restoration Hardware®, Saks Fifth Avenue®, Talbots®, The Home Depot®, Victoria's Secret®, William Sonoma® and Zappos®. Notwithstanding anything to the contrary in these Official Rules, in no event shall any single individual gift card that is part of a Prize be in a denomination of less than US$50. 

THE TOTAL MAXIMUM VALUE OF THE PRIZES AWARDED TO ALL WINNERS DURING THE PROMOTION PERIOD WILL BE APPROXIMATELY US$9,000.

ENTRY PERIOD: This Promotion begins at 9:00 a.m. Eastern Standard Time on December 2, 2013 and ends at 11:59 p.m. Eastern Standard Time on December 20, 2013 (the "Promotion Period").

HOW TO ENTER: Subject to the "Conditions of Entry" below, there are two (2) ways to enter. You may enter this Promotion by registering online as an agent member (an "Agent Member") with one (1) (but not more than one (1)) of the following three (3) Bankrate Insurance Brands (collectively, the "Brands"): NetQuote, InsureMe or AgentInsider (as further described below) or by email.

  1. Register as an Agent Member

    Enter this Promotion by (a) following the specified link on an email sent to you by Bankrate Insurance, which email invites you to register as an Agent Member with respect to one of the Brands, and (b) signing up to receive leads and taking all other steps necessary to activate your account and become an Agent Member.
    In the event of a dispute over who submitted an entry, the entry will be deemed to have been submitted by the newly registered Agent Member that is the account holder of the Agent Member account with respect to which such entry is received.

  2. Enter by Email

    Enter this Promotion by email by sending an email to AkersB@BankrateInsurance.com, which email includes the following information: (a) in such email's subject line, the text "Gift of Success Sweepstakes Entry", and (b) in such email's body, your name, complete street address, city, state, zip code, home telephone number and email address. One entry per email is permitted. Incomplete entries are void.

    If you need an email account, free email services are available, such as at gmail.com and hotmail.com. If you need Internet access, visit you local library, or you can obtain free Internet access through a provider such as NetZero.

CONDITIONS OF ENTRY: No purchase is necessary to enter the Promotion or to win a Prize. The Promotion is open only to natural persons who (i) are legal United States residents (except for residents of Florida, New York, Rhode Island, Puerto Rico or any other jurisdiction in which such natural person would be prohibited by law from entering the Promotion), (ii) are eighteen (18) years of age or older or have reached the age required by their state or territory of residence to be reached in order to enter a sweepstakes, if such age is greater than eighteen (18) years of age and (iii) have agreed to these Official Rules. Employees and/or agents of Bankrate Insurance (and/or its affiliates, subsidiaries and/or divisions) and of agents of Bankrate Insurance (and/or their respective affiliates, subsidiaries and/or divisions) and their respective affiliates, parent organizations, subsidiaries, divisions, trade partners, advertising and promotion agencies and associated marketing firms and other vendors, and the respective immediate families of such employees, including, without limitation, household members, are not eligible to participate in the Promotion. Bankrate Insurance reserves the right to verify eligibility qualifications of each Winner.
Any use of robotic, mechanical, automatic, programmed or like methods of participation will void each entry made by such methods. Each person may enter this Promotion only once, regardless of method of entry. In the event that a person attempts to submit multiple entries, all of that person's entries will be deemed void. Bankrate Insurance will not verify receipt of entries. Bankrate Insurance will not verify receipt of entries. Bankrate Insurance is not responsible for lost, late, misdirected, illegible or damaged mailed entries. Any attempted form of entry into the Promotion other than as described in these Official Rules, and any incomplete entry, is void. Entries that are in violation of these Official Rules will be disqualified. Should Bankrate Insurance suspect or determine actual or attempted (i) fraud, tampering, or impairment or disruption of the administration, security, fairness or proper play of the Promotion, or (ii) violation of these Official Rules, Bankrate Insurance reserves the right, in its sole discretion, to void any and all entries of an entrant, or suspend or prohibit the participation of any person, who Bankrate Insurance determines, in its sole discretion, is responsible or otherwise involved with such acts.

ANY ATTEMPT BY ANY INDIVIDUAL(S) TO DELIBERATELY DAMAGE ANY WEB SITE AND/OR DAMAGE AND/OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, BANKRATE INSURANCE RESERVES THE RIGHT TO COOPERATE IN THE PROSECUTION OF ANY SUCH INDIVIDUAL(S) AND/OR TO SEEK DAMAGES FROM ANY SUCH INDIVIDUAL(S) TO THE FULLEST EXTENT OF THE LAW.

ODDS OF WINNING:  Odds of winning will vary depending on the number of eligible entries received.

CONSENT TO PUBLICITY AND USEExcept where prohibited, each entrant, by acceptance of a Prize, grants to Bankrate Insurance and its subsidiaries, affiliates and assigns the absolute and worldwide right, license and permission and consent to use, in any manner or media whatsoever, such entrant's name, voice, photograph (including on Web pages maintained by Bankrate Insurance and/or any of its subsidiaries and/or affiliates), biographical information (including, without limitation, hometown and state), email address and/or likeness for any promotional and/or publicity purposes.

SELECTION AND NOTIFICATION OF THE WINNERS: Subject to these Official Rules, a designated Bankrate Insurance official or a third party designated by Bankrate Insurance will select the Winners by means of nineteen (19) separate random drawings, which will be held on or around January 2, 2014. One Winner will be selected by means of each such drawing. The first such drawing will be for the one (1) grand Prize; the second such drawing will be for the one (1) second Prize; the third, fourth and fifth such drawings will be for the three (3) third Prizes; and the subsequent fourteen (14) drawings will be for the fourteen (14) remaining Prizes, in like manner and in ascending order (e.g., the last Prize so awarded will be the one (1) eighth Prize), until all drawings have been held with respect to all of the Prizes. The Winners will be selected by means of these nineteen (19) separate drawings from among all eligible entrants who have not yet won a Prize. That is, by way of example, if thirty (30) entrants enter the Promotion during the Promotion Period and the Winner of the grand Prize is selected in the first such drawing, then the twenty-nine (29) entrants who do not win the grand Prize in such drawing will be eligible to win the second Prize in the second such drawing, but the Winner of the grand Price in the first such drawing will not be eligible to win the second Prize in such second drawing or any Prize with respect to any subsequent drawing. Each Prize will be awarded no later than January 31, 2014.
NO WINNER WILL BE REQUIRED TO BE PRESENT AT THE TIME OF ANY SUCH DRAWING.
On or about forty-eight (48) hours after the determination of each Winner, that Winner will be notified by email or telephone. Each Winner must claim his or her Prize within ten (10) business days after the date of Bankrate Insurance's first notification attempt, which shall be the first date notification is sent if by email or the first date a call is placed to that Winner, if by telephone. Each Winner must claim his or her Prize in the manner indicated in Bankrate Insurance's notification of that Winner. For the avoidance of doubt, each Winner must continue to comply with these Official Rules.

If a Winner fails to claim his or her Prize within the ten (10) business day period of time, is found to be ineligible, fails to comply with these Official Rules or fails to meet the requirements of these Official Rules, that Winner will be disqualified and an alternate Winner, randomly selected from the remaining eligible entries, will be contacted. Bankrate Insurance's decisions with respect to each Winner and other matters pertaining to this Promotion shall be final.

REQUIREMENTS OF THE WINNERS: Each Winner will be required to sign an Affidavit of Eligibility and Release of Liability for Participation, Publicity and Use (an "Affidavit") as a part of determining that Winner's eligibility to win his or her Prize and, prior to, and as a condition of, that Winner’s acceptance and use of his or her Prize. If a Winner's Affidavit and all other documents required by Bankrate Insurance, in its sole discretion, are not completed as specified, are not received by Bankrate Insurance within ten (10) business days of notification, or, after Bankrate Insurance's receipt of the Affidavit from that Winner, that Winner is found to be an ineligible entrant, that Winner's entry will be disqualified and an alternative potential Winner, randomly selected from the remaining eligible entries from among all remaining eligible entries, will be contacted.

TO RECEIVE WINNERS' NAMES OR OFFICIAL RULES:  To request the names of the Winners or a copy of these Official Rules, mail your request, along with a self-addressed stamped envelope (residents of Washington State and Vermont need not include postage) to: Bankrate Insurance Gift of Success Sweepstakes, c/o Bankrate, Inc., Attention: Scott Axcell, 1860 Blake Street #900, Denver, Colorado 80202. Please specify whether you are requesting the names of the Winners or a copy of the Official Rules. Requests for the names of the Winners must be received by Bankrate Insurance at the address above from the tenth (10th) business day following the end of the Promotion Period through the twentieth (20th) business day following the end of the Promotion Period. Requests for a copy of these Official Rules received more than ninety (90) days after the end of the Promotion Period will not be honored.

SPONSORBankrate Insurance is the sponsor of this Promotion.

NONE OF FACEBOOK, LINKEDIN NOR TWITTER IS A SPONSOR: The Promotion is in no way sponsored by, endorsed by, administered by or associated with Facebook Inc. ("Facebook"), LinkedIn Corporation ("LinkedIn") or Twitter, Inc. ("Twitter").

GENERAL CONDITIONSFlorida law governs this Promotion. Void where prohibited. Bankrate Insurance reserves the right to cancel or modify this Promotion if fraud, misconduct or technical failures, or any other factor beyond Bankrate Insurance's reasonable control impairs the integrity of this Promotion, as determined by Bankrate Insurance, in its sole discretion, or if a computer virus, bug or other technical problem corrupts the administration or security of this Promotion as determined by Bankrate Insurance, in its sole discretion. In the event that Bankrate Insurance cancels or modifies this Promotion, Bankrate Insurance will post to the web sites for each of the Brands notice that this Promotion has been cancelled or modified. In such event, Bankrate Insurance reserves the right to award the Prizes at random from among any eligible entries received up to the time of the impairment or in any other method selected by Bankrate Insurance, in its sole discretion. Bankrate Insurance reserves the right in, its sole discretion, to change the dates of the Promotion Period, with or without notice, in the event of technical failure, or for any other reason. EACH WINNER IS SUBJECT TO VERIFICATION BY BANKRATE INSURANCE. BANKRATE INSURANCE'S DECISION IS FINAL AND BINDING IN ALL MATTERS RELATED TO THIS PROMOTION. AN ENTRANT IS NOT A WINNER UNLESS AND UNTIL ENTRANT'S ELIGIBILITY HAS BEEN VERIFIED AND ENTRANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE. Any attempt by any person to deliberately damage or undermine the legitimate operation of this Promotion may be a violation of criminal and civil laws. Bankrate Insurance's failure to enforce any term of these Official Rules shall not constitute a waiver of Bankrate Insurance's ability to enforce its rights. Any taxes due on a Prize won will be the sole responsibility of the Winner of that Prize. Each Prize is non-transferable, except in accordance with the laws of descent and distribution, and may not be substituted or redeemed for cash, except by Bankrate Insurance, which reserves the right to substitute each Prize with another prize of comparable or greater value. Neither Bankrate Insurance nor any subsidiary or affiliate of Bankrate Insurance will enter into correspondence, including email, regarding this Promotion. The invalidity or unenforceability of any provision of these Official Rules shall not affect the validity or enforceability of any other provision of these Official Rules. In the event that any provision of these Official Rules is determined to be invalid or otherwise unenforceable or illegal, these Official Rules shall otherwise remain in effect and be construed in accordance with their terms as if the invalid or illegal provision were not contained within these Official Rules.

Expenses not specifically stated as part of a Prize and all expenses not specifically identified as being included in a Prize, are the sole responsibility of the Winner of that Prize. All taxes, fees and surcharges related to a Prize, if any, are the sole responsibility of the Winner of that Prize. No Prize shall be used in connection with any other promotion or offer.

DISPUTES: Each entrant agrees that: (i) any and all disputes, claims and causes of action arising out of or connected with this Promotion shall be resolved individually, without resort to any form of class action, and exclusively by the Federal or Florida state courts of record in Palm Beach County, Florida, (ii) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Promotion, but in no event shall such costs include attorneys' fees and (iii) under no circumstances will an entrant be permitted to obtain awards for, and, by entering the Promotion, entrant waives all rights to claim, punitive, indirect, special, incidental and consequential damages and any other damages (other than for actual out-of-pocket expenses described in subsection (ii), above) and any and all rights to have damages multiplied or otherwise increased. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above may not apply. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules and/or the rights and obligations of the entrant and Bankrate Insurance in connection with this Promotion, shall be governed by, and construed in accordance with, the laws of the State of Florida, without giving effect to any choice of law or conflict of law rules (whether of the State of Florida or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Florida. All Florida state and local laws and regulations apply.

INDEMNIFICATION AND RELEASEEach entrant agrees to defend, indemnify and hold Bankrate Insurance, Facebook, LinkedIn, Twitter and their respective subsidiaries, affiliates and divisions and their respective representatives, attorneys, assigns, agents and licensees and their respective affiliates, equity holders, officers, directors, managers, agents, co-branders, associated marketing firms, advertisers and sponsors or other partners and any of their employees (each, including, without limitation Bankrate Insurance, Facebook, LinkedIn and Twitter, a "Released and Indemnified Party," and collectively, including, without limitation, Bankrate Insurance, Facebook, LinkedIn and Twitter, the "Released and Indemnified Parties"), harmless from and against any and all rights, demands, losses, injuries, liabilities, damages, claims, causes of action, actions and suits of any kind whatsoever (no matter whether at law or equity), fees, costs and attorneys' fees (including appellate level) whatsoever (each, a "Claim," collectively, "Claims"), brought or asserted by any party against any of the Released and Indemnified Parties arising out of or in connection, directly or indirectly, with the entrant's entry in the Promotion, participation in the Promotion, the Promotion, any Prize and/or use or misuse of any Prize.

By entering the Promotion, each entrant agrees to release, discharge and hold harmless each Released and Indemnified Party from and against all Claims arising out of or in connection with, indirectly or directly: (i) entry or participation in the Promotion and/OR (ii) acceptance, use, or misuse of A Prize.

LIMITATIONS OF LIABILITY: Bankrate Insurance is not responsible for: (i) electronic, human, United States Postal Service, equipment programming or other error, omission, interruption, defect or delay which may occur in the administration of this Promotion or the processing of any entry, any Prize, in the Official Rules, or in any other materials related to this Promotion, (ii) technical failures of any kind, including but not limited to, the malfunctioning of any electronic equipment, computer, Internet, Web site, network, hardware or software, a computer virus, bug or other technical problem, (iii) unauthorized human intervention in any part of the entry process or this Promotion, (iv) any entrant's conduct in connection with this Promotion, (v) any printing, typographical, technical errors in any materials associated with this Promotion or any Prize, (vi) incorrect, inaccurate, late, lost, stolen, illegible, incomplete, or misdirected entries, or entries received through impermissible or illegitimate channels, or (vii) any death, injury or damage to persons or property, which may be caused, directly or indirectly, in whole or in part, from an entrant's entry or participation in this Promotion or use or misuse of any Prize.

PRIVACY NOTICE: Entrants should read the "Privacy Policy" located at http://www.bankrateinsurance.com/privacy-policy.aspx. Information collected from entrants is subject to such Privacy Policy.

Bankrate, Inc. All Rights Reserved.