Privacy Policy

Effective Date: July 24, 2019

This privacy policy applies to https://www.lifequote.com, owned and operated by LifeQuote Holdings, Inc., d/b/a LifeQuote.com ("LifeQuote", "we", "us", "our"). This privacy policy includes information about the way LifeQuote collects and uses the personally identifiable information you provide on our website (i.e, to https://www.lifequote.com). Our privacy policy also describes the choices available to you regarding our use of your personally identifiable information and how you can access and update any personal information collected.

LifeQuote is a life insurance comparison service that quotes life insurance policies and collects commissions for brokering life insurance policies to residents of the United States, in all states except Alaska and Hawaii. (See our Legal section for more detailed licensing information.) LifeQuote conducts business entirely on the Internet. We are committed to providing the best rates from among the nation´s top-rated life insurance companies - names consumers know and trust. In order to provide you with free quotes, we must ask you for some personally identifiable information. We fundamentally respect the privacy rights of our applicants, as described here in the LifeQuote privacy policy.

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Information LifeQuote Gathers / Tracks

As part of the application process, we collect "Personally Identifiable Information,” such as names, addresses, phone numbers, e-mail addresses, demographic information such as age, gender, tobacco usage, and the general state of health, i.e., "Are you in good health?" This data collection is handled in our Free Quote form, as well as in the Coverage Request questionnaire. We also track the search engine hyperlink that you used to find our site. This helps us determine the effectiveness of our advertising in reaching consumers who are interested in life insurance. We also provide a Feedback Form for those customers interested in giving us suggestions and/or reactions to our site.

Demographic Information

Demographic data collection, such as age and gender, is for the specific purpose of estimating the cost of a life insurance policy. It is essential to the calculations built into the LifeQuote Smart System quoting engine. This information is limited to access by LifeQuote and its participating company employees.

Collect and Dump

If users are under the age of thirteen, it is this web site´s standard practice to automatically remove their personal data from the database. That data collection will not be retained by our site.

Use of the Information This Site Gathers / Tracks

We use the information to provide you with a life insurance quote, and to send you the necessary insurance forms you need in order to apply for coverage. Email Communication: Users should expect direct communication from this website, regarding the evaluation process and status of the life insurance policy prices you have requested. If users decide to apply for coverage, they may receive email communications, postal mailings, or telephone calls, as part of the insurance evaluation process. LifeQuote is not in the practice of sending unsolicited emails to anyone who has not requested life insurance information. Furthermore, all emails are sent with an unsubscribe option at the bottom of each email. LifeQuote representatives will occasionally call customers on the telephone to inquire about the status of a life insurance application that had been previously sent through a postal mailing. Users should expect to receive communication from this website either via email, telephone, or postal mailing to collect missing information if the client has requested life insurance coverage.

Customer Service

Based upon the personal information you provide us, we will send you a confirmation e-mail confirming your Instant Quote. We will also communicate with you in response to your inquiries, and to provide the services you request. We will communicate with you by email or telephone, in accordance with your wishes. Mandatory or Optional Information: Some of the personal information being requested is optional. The user only needs to provide enough information to prepare the life insurance quote. Other than the State of residence, email address, demographic information, and tobacco use, any other "personally identifiable information" is optional.

Sharing of the Information This Site Gathers / Tracks

We WILL NOT share your personal information with third parties. We also do not sell that information to third parties. When you provide us with personally identifiable information such as your name, address, e-mail and/or phone numbers, we will consider that action as being your express invitation that we, including any subscribing, contact you about insurance via e-mail, telephone and fax, using the personal information you have supplied. Should you decide to purchase the life insurance policy, you will be required to fill out an application form with the insurance company with which you are considering purchasing a policy, to allow them to proceed with the evaluation process. The application contains detailed personal questions, including medical information. This allows the insurance company to weigh all the pertinent information before making a final decision on issuance of a life insurance policy. This personal information is kept for one year for those clients who purchase insurance. Information is kept for ninety days for those clients who do not purchase insurance. LifeQuote does not share with third parties for unknown or unrelated uses.

Sharing of Information to Third Parties

Our website DOES NOT share your personally identifiable information with third parties. Demographic data collection, such as age and gender, has the specific purpose of estimating the cost of a life insurance policy. It is essential to the calculations built into the LifeQuote Smart System quoting engine. We may also disclose your personally identifiable information if LifeQuote is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personally identifiable information. If you do not want us to share your personal information with these companies, contact us at info@lifequote.com.

Cookies and Tracking Technologies

Technologies such as cookies, beacons, tags and scripts are used by LifeQuoteHoldings, Inc. and our partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive data collection reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies for our shopping cart, to remember users’ settings (e.g. language preference), for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

Log Files

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.

Behavioral Targeting / Re-Targeting

This website uses the Facebook Pixel to remarketing and advertise on third party websites to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Facebook news feed. Third-party vendors, including Facebook, use cookies to serve ads based on someone’s past visits to the Lifequote.com website. Of course, any data collection will be done in accordance with our own privacy policy and Facebook’s privacy policy.

Correct / Update / Delete Data

Information is collected for a single use, and unless the user requests an application for insurance, the information is not used again. Therefore, there is no need to update or verify personal information on an ongoing basis. Users can correct/update or delete/remove any information they may have submitted through our Feedback Form located in the Contact Us page or by emailing our Customer Support at info@lifequote.com or by contacting us by telephone or postal mail at the contact information listed at the bottom of this privacy policy.

LifeQuote Site Security

Our service provider has developed unique proprietary technology where each session is assigned an encrypted dynamic key that is unique to that user's session. At each page load, the key is validated to verify that the session information has not been altered. Similar precautions are taken within HTML forms to prevent "hijacking" of legitimate changes and access. There are many other security measures, but exactly for reasons of security, they are proprietary and cannot be disclosed in any more detail. Our security and data collection procedures are monitored and improved on a regular basis. In similar installations, no breach of security has occurred. Our access to your data is limited to our organization. Clients can access their data with a user ID and password for their quote retrieval, which is sent to them via email in the form of a URL. The password is system-generated and is four characters in length. It is not case-sensitive. The data is protected by our administration system. In order to access the administration system, employees must sign in with a user ID and password. If the system is not being utilized, the idle workstation is set to shut itself down.

The security of your personal information is important to us. When you enter sensitive information (such as health information) on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

Administrative access attempts are logged and linked to both a user ID, as well as an IP address. We also require any contractors to sign Non-Disclosure Agreements (NDAs) pertaining to sensitive data and data collection. As a backup for data retention, we store your information on 'alternative media' to ensure access in case of disaster. This data is kept in paper files and is locked in cabinets in our offices. We store the data for up to one year for clients who have purchased life insurance, and for up to ninety days for non-purchasing clients. The files and/or data are later destroyed after the aforementioned retention period. We will retain your personal information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Employees are informed of the strict security policies at hire and reminded at employee reviews, or when those policies are amended. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at info@lifequote.com.

Life Insurance and Other Partner Links

We provide links to other websites for informational purposes. We do not share any user data or personal information with those websites. This website contains links to other websites. Please note that when you click on one of these links, you are moving to another website. If you submit personal information to any of those sites, your information is governed by the privacy policy of that website (i.e., not the LifeQuote privacy policy). We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from our LifeQuote privacy policy.

Social Media Features and Widgets

Our Web site also includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it (i.e, not the LifeQuote privacy policy). We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from our LifeQuote privacy policy.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at info@lifequote.com.

Opt-In Notice

By submitting an insurance quote request, you expressly "Opt In" to receive information about products and services and term life insurance pricing from us.

Opt-Out Policy

You can remove your email at any time by sending an email to info@lifequote.com.

Legal Disclaimer

Though we make every effort to preserve user privacy, we may need to disclose personally identifiable information when required by law such as to comply with a subpoena, or similar legal process wherein we have a good-faith belief that such action is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Notification of Changes to the LifeQuote Privacy Policy

We may update this privacy policy to reflect changes to our information and data collection practices. Website users should check this space for any material changes to our privacy practices regarding the collection of personally identifiable account information. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective.