Effective Date: 18/10/2014
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.
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 information is collected 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 information, such as age and gender, is collected on the website 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 personally identifiable information from the database and that data 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. We also use this information for the paramedical company to contact you, to schedule a medical appointment with you before you can be considered for a life insurance policy.
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. If you wish to opt-out of receiving any of these e-mails, you may send us this request through our Feedback page on our Contact page. 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 personally identifiable 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. Generally, you may not opt-out of these communications, which are not promotional in nature.
Mandatory or Optional Information: Some of the 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 Information to Third Parties: Our website may share your personally identifiable information with third parties or carefully selected business partners who may offer services that complement those provided by us or which we believe may be of interest to you. Demographic information, such as age and gender, is collected on the website 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, its participating company affiliates, and the paramedical company that will schedule a medical appointment with you before you can be considered for a life insurance policy. These companies are authorized to use your personally identifiable information only as necessary to provide these services to us.
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 personally identifiable 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 [email protected]
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 reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
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.
We do not link this automatically-collected data to other information we collect about you. OrWe may combine this automatically collected log information with other information we collect about you. We do this [to improve services we offer you, to improve marketing, analytics, or site functionality.
Local Storage Objects (HTML5/Flash): Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LS (Local Storage) such as HTML 5 orLSO (Local Storage Objects) Flash to collect and store information.Various browsers may offer their own management tools for removing HTML5 LSOs.
Behavioral Targeting / Re-Targeting We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based on your browsing activities and interests. Please note this does not opt you out of being served ads. You will continue to receive generic ads.
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 information on an ongoing basis. Users can correct/update or delete/remove any personally identifiable information they may have submitted through our Feedback Form located in the Contact Us page or by emailing our Customer Support at [email protected] or by contacting us by telephone or postal mail at the contact information listed below.
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 is 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 a health information) on our order 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. As a back up 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 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 [email protected].
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 [email protected].
Opt-Out Policy: You can remove your email at any time by sending an email to [email protected].
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.
Attention: Customer Relations LIFEQUOTE Life Insurance Quotes Mailing Address: LifeQuote Holdings, Inc. 95 Merrick Way, Suite 400 Coral Gables, FL 33134 LifeQuote Phone: (800) 521-7873 LifeQuote Fax: 305.539.9732 Life Insurance Support E-Mail: [email protected]