Stonebridge Life Insurance Company   


Stonebridge Life Insurance Company JCPenney Gift Card Instant Win Game







SPONSOR:       Stonebridge Life Insurance Company, Administrative Offices, 300 Eagleview Boulevard, Exton, PA 19341.


Customer Service Number:  1-800-527-5592


TERM: The Stonebridge Life Insurance Company JCPenney Gift Card Instant Win Game (“Game”) begins at 12:01 a.m. Eastern Time (“ET”) on 11/1/14 and ends at 11:59 p.m. ET on 12/31/14 (the “Game Entry Period”).


ELIGIBILITY: The Game is open to individuals age 18 and older who are legal residents of the United States (except residents of New York) and District of Columbia to whom this offer is addressed. Employees, officers and directors of the Sponsor, Ventura Associates International LLC, J. C. Penney Corporation, Inc., and their respective parent companies and their divisions, subsidiaries, affiliates, resellers, agents, advertising and promotion agencies and any other persons involved with this promotion and immediate family members of employees of the Sponsor, Ventura Associates International LLC, or J. C. Penney Corporation, Inc., (defined as mother, father, sister, brother, son, daughter & spouse) and those living in the same household are NOT eligible to enter. All federal, state and local laws and regulations apply. Void in New York and where prohibited by law. Game is governed by U.S. law.


INSTANT WIN GAME: A unique number (“game piece”) appears on the offer you received via U.S. mail addressed to you. Entry is not transferable. 


To play, call the toll-free number mentioned in your offer and follow all entry instructions provided during the call, including providing your name, address, and unique number. Once you submit your unique number, the live operator will let you know if your unique number is a potential winning number or a non-winning number. Limit: One play per person and/or phone number.


If you have a potential winning unique number, your confirmation as a winner is subject to verification and meeting eligibility requirements. Mail the original offer you received by mail containing your potential winning unique number game piece with name, address, birth date and phone number via certified return receipt mail to: Ventura Associates, Dept.: WG, 60 E 42nd Street, Ste 650, NY, NY 10165.  ALL PRIZES MUST BE CLAIMED BY1/30/15. If you have a potential winning unique number, you are responsible for retaining a photocopy of it for your records. If you have a non-winning unique number, you are not a winner, but your entry will be automatically entered in the Second Chance Drawing for any unclaimed prizes.


CONSUMER DISCLOSURES: No purchase or payment necessary to enter or win.  You have not yet won.  Ends: 12/31/14.  Ten (10) Prizes, consisting of a $500 JCPenney gift card. Total value of all prizes: $5,000.  Prizes are guaranteed to be awarded.  Odds of winning instantly are estimated at 1:200,000. Odds of winning the Second Chance Drawing depend on the number of unclaimed prizes and the number of eligible entries received. Winners are responsible for all federal, state and local taxes.  Prizes subject to standard terms and conditions applicable to JCPenney gift cards.  Winner need not be present to win. Sponsor is not responsible for any typographical, printing, or other errors; or for entries which are late, lost, incomplete, or misdirected.  If any prize claim is not received by 1/30/15 or if an instant win prize is forfeited for any reason whatsoever, it will be awarded in a Second Chance Drawing to be conducted on or about on 2/16/15 at 60 E 42nd Street, Ste 650, NY, NY 10165. Sponsor: Stonebridge Life Insurance Company, Administrative Offices, 300 Eagleview Boulevard, Exton, PA  19341.


GENERAL CONDITIONS: Prize claims subject to verification by, and drawings will be conducted by, an independent judging organization whose decisions are final. Limit: One prize per household. All game pieces submitted for redemption become property of the Sponsor and will not be returned.  Anti-fraud detection devices/methods may be used to verify winners.  Game pieces will be void if they fail to pass anti-fraud detection measures or if found to be photocopied, reproduced, altered, forged, defaced, tampered with, mutilated, stolen, unauthorized or illegible in any way, or if they fail to contain special markings and/or security codes used in this promotion. Game pieces that contain printing errors, are tampered with, illegible, photocopied, mechanically reproduced, distributed where prohibited by law or not obtained through regular channels will be deemed null and void.  If through printing or production errors (or any errors whatsoever), more winning unique numbers are printed and distributed than those prize quantities offered in these official rules, no more than the actual number of prizes per these official rules will be awarded. Should such a situation occur, winners will be determined in a random drawing from among all submitted eligible and verified winning prize claims.


NOTIFICATION:  Once a potential winning game piece is verified, the potential winner will be notified by mail or overnight delivery. Prize may be forfeited if winner is not reachable at address or phone number provided or a forwarding address is not made available. If a prize is forfeited, an alternate winner may be selected from among all eligible Second Chance Drawing entries. Winners (at the judges’ discretion) may be required to complete and return an Affidavit of Eligibility & Liability-Publicity Releases (where permissible by law) (collectively “Affidavit”), which must be executed and returned within 14 days of date printed on notification or winner is disqualified and an alternate winner will be selected in a separate random drawing. If notification or prize is returned as undeliverable, prize will be awarded to an alternate winner.  Prizes awarded approximately 30 days after verification. No substitutions except as may be necessary due to unavailability, in which case a prize of equal value will be awarded. Prizes are not transferable (except to a surviving spouse) or redeemable for cash. All taxes (including but not limited to sales and income tax) are the winners’ responsibility.


Sponsor is not responsible for notification or Affidavit that is misdirected or not received.  If prize notification or prize is returned as undeliverable, it will result in forfeiture of the prize and the prize will be awarded to an alternate winner in a separate random drawing. If winner is otherwise eligible under these official rules, but is nevertheless deemed a minor in his or her state of primary residence, the prize will be awarded in the name of winner's parent or legal guardian who will be required to execute Affidavit on minor’s behalf. Prize is non-assignable or transferable, except to a surviving spouse.


ADDITIONAL TERMS AND CONDITIONS: JCPenney gift card is redeemable for merchandise and services (excluding gift cards) at JCPenney stores in the U.S. and P.R. and  JCPenney gift card is not redeemable for cash except where required by applicable law. JCPenney gift card may not be used as payment on a JCPenney credit card account or any other credit card account.  Lost, stolen or damaged gift cards may be cancelled and replaced with a new gift card in the amount of the then-remaining balance upon proof as required by JCPenney.   JCPenney gift card usage is subject to the complete terms and conditions printed on the back of each gift card and available on


By participating in the Instant Win Game, the winner consents to the use of his or her name and likeness for advertising and publicity purposes without further compensation, where permitted. Information provided by you to participate in this Instant Win Game is subject to   Sponsor’s privacy policy located at Sponsor is not responsible if Instant Win Game cannot be implemented due to delays or interruptions caused by acts of God, acts of war, natural disasters, weather, utility outages or terrorism.  Entry materials/data that have been tampered with or altered, or mass entries or entries generated by automated devices are void.  The Sponsor and its respective affiliates, parents, subsidiaries or agents are not responsible for: (i) late, lost, incomplete, mechanically reproduced, stolen, misdirected, damaged, impermissible entries or  any other error whether human, mechanical or electronic; or (ii) error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction of unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment or carrier/network, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of or failure to receive entry information by Sponsor on account of technical problems or traffic congestion on the telephone carrier’s system or traffic congestion on the Internet or at any Web Site or any combination thereof or any injury or damage to entrant’s or any other person’s computer related to or resulting from participating in the Instant Win Game.  Sponsor’s decisions as to all matters related to the administration of the Instant Win Game and selection of the prize winner is final.  Sponsor reserves the right to cancel or modify the Instant Win Game without prior notice.


Winner agrees that Sponsor, Ventura Associates International LLC, J. C. Penney Corporation, Inc., and their respective affiliates, parents, subsidiaries, agents, employees, directors, or officers of these companies are not liable whatsoever for injury, damage, expense, accident, delay, irregularities, loss or claim caused or claimed to be caused, directly or indirectly, by participating in this Instant Win Game, or by the acceptance, possession, use or misuse of any prize awarded.  By participating and redeeming prize, winner releases Sponsor, Ventura Associates International LLC, J. C. Penney Corporation, Inc., and their respective affiliates, parents, subsidiaries and agents, employees, directors and officers from any and all loss, liability or damage resulting from or arising out of participation in the Instant Win Game.  Entrants agree that (1) any and all disputes, claims, and causes of action arising out of or connected with this Instant Win Game or the determination of winner shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the Eastern District of Pennsylvania or the appropriate Pennsylvania State Court; (2) any and all claims, judgments and awards shall be limited to the actual out-of-pocket costs incurred, including costs associated with entering this Instant Win Game but in no event attorneys’ fees; and (3) under no circumstances will an entrant be permitted to obtain awards for and entrant hereby waives all rights of claim to punitive, incidental and consequential damages and all other damages, other than for the actual out-of-pocket expenses and any and all rights to have damages multiplied or otherwise increased.  SOME JURSIDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILTY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATONS OR EXCLUSIONS MAY NOT APPLY TO YOU.


By participating in the Instant Win Game, you (i) agree to be bound by these official rules, including all eligibility requirements; and (ii) agree to be bound by the decisions of Sponsor and the independent judging organization, which are final and binding in all matters relating to the Instant Win Game.  Failure to comply with these official rules may result in disqualification from the Instant Win Game. Sponsor reserves the right to: (i) permanently disqualify any person it believes has intentionally violated these Official Rules; and (ii) withdraw the telephonic or electronic method of entry if it becomes technically corrupted (including if a computer virus or system malfunction inalterably impairs its ability to conduct the Instant Win Game), and to select winner(s) from among all eligible entries received prior to withdrawal.


Legal Warning: ANY ATTEMPT BY AN individual, whether or not an ENTRANT, TO DELIBERATELY DAMAGE, destroy, tamper or vandalize this WEB SITE OR interfere with the OPERATION OF THE INSTANT WIN GAME, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS and THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES and diligently pursue all remedies against ANY SUCH individual TO THE FULLEST EXTENT PERMITTED BY LAW.


OFFICIAL RULES, WINNER’S LIST OR MAIL PREFERENCE: To obtain a copy of the Official Rules or receive the winner’s list (available by 3/31/15), send self-addressed, stamped envelope by 3/31/15 to Stonebridge Life Insurance Company JCPenney Instant Win Game AEGD-4957, Administrative Offices, 300 Eagleview Boulevard, Exton, PA 19341. Vermont residents may exclude return postage.


To decline to receive future Sweepstakes/Game offers from the Sponsor you may write to this same address.

This coverage is issued by Stonebridge Life Insurance Company, Administrative Office: 2700 W. Plano Parkway, Plano, TX 75075-8200. Home Office: Rutland, VT 05701. Stonebridge Life Insurance Company is licensed to sell insurance in all states. Stonebridge Life Insurance Company NIAC number 65021. NOT AVAILABLE IN ALL STATES. ACCEPTANCE BASED UPON INFORMATION PROVIDED. Stonebridge Life Insurance Company is authorized by J.C. Penney Corporation, Inc. to market approved products to customers of JCPenney. Compensation will be paid.