Privacy Policy

Your trust is our most important asset. We will never use your personal information in any way which is not explicitly spelled out in this privacy policy, and for the reasons stated below.

When you fill out forms on this site, you are agreeing to allow us to use this information to provide third-party insurers with data from which they may generate personalized quotes for you. We collect your information and transmit it to third-party insurance companies, who use it to supply you with individual term life insurance quotes. This is the only use to which we will ever put the personal information with which you provide us.

It is against our policy to sell information from any of our customers to third parties. We do not distribute, disseminate, or in any way give your information to third parties, beyond the distribution as outlined above to the insurance companies which will generate your quotes.

Other Information We Collect

Some non-identifiable information about you may be gathered by tools on our website, such as Google Analytics. This information is never identifiable for purposes of solicitation or contacting you; rather, it used for compiling statistical data about visitors to our website. We may also allow other statistical collection software to access information such as operating system types, types of browsers used, and URL addresses. However, this information is not personally identifiable and is used only to compile statistical data about internet usage. You will not be contacted or identified in any way through the collection of this information.

Outside Websites

We try to carefully screen the websites which are linked to ours. We make every effort to avoid links to websites which are disreputable or which may sell your information to third parties. Unfortunately, we have no control over the privacy policies and terms of use of other websites, and we are not always aware if companion websites change their policies.

If you click on a link to an outside website which takes you to a location other than ours, the privacy policy and terms of use of that website apply. If the website does not protect your information, you should not give personal data if you do not want it to be used according to that website’s policies. You should always read the privacy policy of any website before giving personal information, in order to avoid having your information sold or given to a third party.

Our Website Quoter

The completion of any quote request form on our website implies the establishment of a business relationship. This provides us the right to contact you via phone, text or email.

PRIVACY POLICY for Lifeinsuranceblog.net

At Lifeinsuranceblog.net, we believe your privacy and information security is important. The following Privacy Policy details our information gathering, protection, and handling practices relating to use of the website Lifeinsuranceblog.net (referred to as the “Site”).  If you have issues or concerns relating to this privacy policy, please contact us at the following email address: michael@lifeinsuranceblog.net.

Security

We take all reasonable and commercial efforts to protect your data, however, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use the Site you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability. If you feel more comfortable submitting your information by phone, please call us at 888-411-1329.

Why We Collect Visitor Information

There are three reasons why we collect visitor information on this site. (1) Information is collected to provide real-time, accurate life insurance quotes; (2) Information is collected regarding your use of this site in an effort to make this site better for our users; (3) Information is collected regarding your general geographic location, the site that referred you to this site, and hardware and software used to view this site in an effort to optimize our marketing efforts. The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and are not used to track the usage patterns of individual users.

What Information We Collect and How We Use It

Insurance Quotes This site provides life insurance quotes free of charge to our life insurance agents. To provide accurate life insurance quotes, certain information must be collected, including state of residence, date of birth, gender, height, weight, coverage amount desired, term period desired, health classification of the proposed insured, and tobacco use. For simplified issue and guaranteed issue life insurance quotes, other health information may also be required. All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates from these carriers, the information mentioned above must be collected. Cookie A cookie is a piece of data stored on a user’s computer that is tied to information about that user. None of the cookies this site uses are linked in any way to personally identifiable information. This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed at any time by following help directions provided by your Iinternet browser. Cookies may be disabled at any time by following help directions provided by your internet browser. Information collected by cookies is analyzed to determine the effectiveness of our site. Users who reject our cookies may still use our site. Log Files When visitors enter and surf through the pages of our site, our server logs information including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor’s browser, operating system, and screen resolution. This data is analyzed to understand better what our visitors are looking for and to improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns, or use these technologies to gather emails or personally identifiable information.

How We Communicate With Our Clients

Once a user has initiated a relationship with Lifeinsuranceblog.net through this site, various forms of communication may ensue. They include (1) contact by telephone; (2) contact by text message; (3) contact by email; (4) contact by mail; (5) contact by fax. All contact is to help our agents and their clients apply for, purchase, and/or get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.). Contact may come from Lifeinsuranceblog.net or any one of its carriers, affiliates, vendors, or partners. If at any time you desire that we cease contact with you, please send a letter detailing your request to the following email address: michael@lifeinsuranceblog.net

Your Personal Information Options

By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with Lifeinsuranceblog.net and are inviting, consenting to, and requesting contact and information from us, which may be provided to you online, by phone, fax, email, or mail by Lifeinsuranceblog.net or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners, contacted you without your express consent. If at any time you desire that we cease contact with you, we will honor your request to place you on our internal “Do Not Contact” list. Email You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails. Cookies You may disable cookies on your browser at any time by following the prescribed method provided to you by your browser. Update/Change Personal Information If you would like to view, update, or change the personal information we have on file for you, please contact us at 888-411-1329.

Carrier, Partner, Vendor, and Affiliate Privacy Policies

Lifeinsuranceblog.net may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in brokering the sale of insurance. Lifeinsuranceblog.net is not liable or responsible for these third-party company’s privacy policies or procedures, or any loss or breach of data through these third-party systems. Please contact these individual organizations with questions regarding their Privacy Policies.

Website Areas Beyond DRT ’s Control

Public Forums This website may include interactive forums such as message boards and chat rooms. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information. Third-Party Websites This website may contain links to other websites. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.

Spam Policy

Lifeinsuranceblog.net does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. If you receive an email from Lifeinsuranceblog.net, it is because (1) you expressly shared your email address with us for the purpose of receiving information in the future (also known as “opt-in”), or (2) you have purchased from us or have a current relationship with us. By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information. You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails.

Legal Requests & Emergencies

We cooperate with law enforcement inquiries and demands for information that are made under force of law. Therefore, we may provide personal information to law enforcement agencies in what we believe to be emergency situations, we may provide personal information where required by statute, court order, legal process or lawful authority, and we may provide it to our legal counsel in connection with the foregoing.

Privacy Policy Updates

This Privacy Policy may be updated at any time. Lifeinsuranceblog.net routinely looks for new and safer ways to protect client information. Consequently, this Privacy Policy may be updated to reflect those changes. You must review this Privacy Policy each time you use this site.

Contacting Us

If you have any questions regarding this document, our procedures and policies, the Site, or your relationship with us, please contact us at 888-411-1329 or michael@lifeinsuranceblog.net