Privacy Policy
This notice provides you with information about our privacy practices.
In the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it.
This notice describes our privacy practices regarding information about our customers and former customers that obtain financial products or services from us for personal, family, or household purposes. When state law is more protective of individuals than federal privacy law, we will protect information in accordance with state law consistent with the requirements of federal preemption.
INFORMATION WE COLLECT
We collect and maintain information about you to provide you with the coverage, product or service you request and to service your account.
We collect certain information (“nonpublic personal information”) about you and the members of your household (“you”) from the following sources:
Information we receive from you on applications or other forms, such as your social security number, assets, income, and property information;
Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history;
Information we receive from a consumer reporting agency or insurance support organization, such as motor vehicle records, credit report information and claims history; and
Information from your visits to YourLife-Insurance.com or other websites we operate, use of our mobile sites and applications, use of our social media sites, and interactions with our online advertisements.
HOW WE PROTECT YOUR INFORMATION
At YourLife-Insurance.com, our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information about you to those individuals, such as our employees and agents, who provide you with our products and services. We require those individuals to whom we permit access to your customer information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.
We do not disclose any nonpublic personal information about you, as our customer or former customer, except as described in this notice.
INFORMATION WE DISCLOSE
We may disclose the nonpublic personal information we collect about you, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements and to other third parties, all as permitted by law.
Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with YourLife-Insurance.com or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will abide by the privacy restrictions imposed by that organization.
We are permitted to disclose personal health information (1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud; (2) with your written authorization, and (3) otherwise as permitted by law.
SHARING INFORMATION WITH AFFILIATES
YourLife-Insurance.com encompasses various affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.
We may disclose nonpublic personal information, as described above in Information We Collect, to our affiliates, which include:
Financial service providers such as insurance companies and reciprocals, investment companies, underwriters and brokers/dealers; and
Non-financial service providers, such as management companies, attorneys-in-fact and billing companies.
We are permitted by law to share with our affiliates our transaction and experience information with you.
In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information that we have received from you and from third parties, such as consumer reporting agencies and insurance support organizations.
MODIFICATIONS TO OUR PRIVACY POLICY
We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with non-affiliated third parties. Before we do that, we will provide you with a revised privacy notice and give you the opportunity to opt out of that type of information sharing.
WEBSITE
Our website privacy notices, such as the one located at YourLife-Insurance.com, contain additional information particular to web site use. Please pay careful attention to those notices if you transmit personal information to YourLife-Insurance.com over the Internet.
WEBSITE PRIVACY POLICY STATEMENT USE OF INFORMATION YOU GIVE US
General Statement
YourLife-Insurance.com's policy is to protect the confidentiality of the individually identifiable information that you provide, and to limit access to that information only to those with a need to know. YourLife-Insurance.com may collect your name, address, phone number and e-mail address at this site. We will use this information to provide you information you request, to refer you to a YourLife-Insurance.com agent, to refer you to a third party service provider or to comply with a legal requirement. When you encounter a screen in this site that asks for information you do not want us to have or use, you should not proceed further with that screen.
Hyperlinks
We have agreements with third parties that allow you to go to their web site from our Web Site. If you go to these sites from our site, you may be asked to give non-public personal information for access to their services or products. You may become a part of that business' customer base and be subject to their policies regarding the handling of customer data.
Please be aware that YourLife-Insurance.com is not responsible for the privacy practices of those sites, even though YourLife-Insurance.com's name or logo may appear on those sites. We encourage you to be aware of this when you leave our site and to read the Privacy Statements of each and every web site that you visit, as the privacy policy of those sites may differ from ours. Our privacy statement applies solely to our website.
Security
Our policy is to restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you or to provide necessary technical support. We require the employees with access to your nonpublic personal information, including your social security numbers, to use safeguards against unauthorized access, use and unlawful disclosure. We require our employees to adhere to high standards of ethics and integrity in performing their jobs and conducting business. We also require the same standards of confidentiality from the service vendors that assist us. YourLife-Insurance.com uses no encryption (data scrambling) on public portions of the Site and up to 2048-bit encryption on other portions-typically, where you can enter personally identifiable information. When you are on any web site that asks you for confidential information, you should check to see if the information being transmitted is encrypted in order to increase the security of your information.
Logging
In addition to the information you provide us, we collect information about your activities while you are at our site. While you are logged in our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using or reviewing our site. We obtain the information by using cookies.
Cookies
A cookie is a message sent to your browser from a web server that is stored on your computer's hard drive. The message is sent back to the web server whenever the browser requests a page from that server. Many commercial Internet sites use cookies. While a code in the cookie file enables the site to label you as a particular user, it does not identify you by name or address unless you have provided the site with such information or set up preferences in your browser to do so automatically. You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions. In general, cookies allow us to identify you as a particular user and thus provide you with a more customized service. We may also use cookies to track customer or user requests, inquiries and traffic patterns or to determine audience size and repeated usage. YourLife-Insurance.com uses pixels, or transparent GIF files, to help manage online advertising. These files enable us to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. With both cookies and Spotlight technology to measure online advertising, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address.
We do not currently support Do Not Track signals but may in the future.
When you visit our website, other parties may collect personally identifiable information about your online activities over time and across different websites. Notwithstanding any other provision, we may work with a third party partner who may collect information from you, such as your IP address and information about your browser or operating system, and may place or recognize a unique cookie on your browser for the purpose of enabling interest-based content or advertising to you. The cookies placed by our third party partners contain no personally identifiable information; they may contain demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address or email, which we may share in hashed or encrypted form. To opt-out of these data provider cookies, please go to http://www.aboutads.info.
Right to Preserve and Disclose
YourLife-Insurance.com may preserve for any period of time it deems appropriate all information you provide. YourLife-Insurance.com may also disclose information you provide if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) complete your transaction; (b) comply with legal process; (c) enforce this Agreement; (d) respond to claims that any materials on this site violate your rights or the rights of third parties; (e) protect the rights, property, or personal safety of YourLife-Insurance.com, its users and/or the public; or (f) in the event that all or substantially all of YourLife-Insurance.com assets are acquired by a third party.
Modifications
We reserve the right, at any time, to change or modify our policies on the use of information you provide us, and will post the revised policy on our website. We, therefore, recommend you review this policy statement each time you may be asked to give us personal information after accessing this site.
Legal Terms
We also recommend you read the section called Terms of Use. The Legal Disclaimer section describes the terms and conditions for use of our website, discusses the content in this site, and information about your responsibilities when using this site.
Children and Minors
YourLife-Insurance.com makes no active effort to collect personal information from children and does not wish to receive any such information.
Effective July 7, 2020
In the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it.
This notice describes our privacy practices regarding information about our customers and former customers that obtain financial products or services from us for personal, family, or household purposes. When state law is more protective of individuals than federal privacy law, we will protect information in accordance with state law consistent with the requirements of federal preemption.
INFORMATION WE COLLECT
We collect and maintain information about you to provide you with the coverage, product or service you request and to service your account.
We collect certain information (“nonpublic personal information”) about you and the members of your household (“you”) from the following sources:
Information we receive from you on applications or other forms, such as your social security number, assets, income, and property information;
Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history;
Information we receive from a consumer reporting agency or insurance support organization, such as motor vehicle records, credit report information and claims history; and
Information from your visits to YourLife-Insurance.com or other websites we operate, use of our mobile sites and applications, use of our social media sites, and interactions with our online advertisements.
HOW WE PROTECT YOUR INFORMATION
At YourLife-Insurance.com, our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information about you to those individuals, such as our employees and agents, who provide you with our products and services. We require those individuals to whom we permit access to your customer information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.
We do not disclose any nonpublic personal information about you, as our customer or former customer, except as described in this notice.
INFORMATION WE DISCLOSE
We may disclose the nonpublic personal information we collect about you, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements and to other third parties, all as permitted by law.
Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with YourLife-Insurance.com or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will abide by the privacy restrictions imposed by that organization.
We are permitted to disclose personal health information (1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud; (2) with your written authorization, and (3) otherwise as permitted by law.
SHARING INFORMATION WITH AFFILIATES
YourLife-Insurance.com encompasses various affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.
We may disclose nonpublic personal information, as described above in Information We Collect, to our affiliates, which include:
Financial service providers such as insurance companies and reciprocals, investment companies, underwriters and brokers/dealers; and
Non-financial service providers, such as management companies, attorneys-in-fact and billing companies.
We are permitted by law to share with our affiliates our transaction and experience information with you.
In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information that we have received from you and from third parties, such as consumer reporting agencies and insurance support organizations.
MODIFICATIONS TO OUR PRIVACY POLICY
We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with non-affiliated third parties. Before we do that, we will provide you with a revised privacy notice and give you the opportunity to opt out of that type of information sharing.
WEBSITE
Our website privacy notices, such as the one located at YourLife-Insurance.com, contain additional information particular to web site use. Please pay careful attention to those notices if you transmit personal information to YourLife-Insurance.com over the Internet.
WEBSITE PRIVACY POLICY STATEMENT USE OF INFORMATION YOU GIVE US
General Statement
YourLife-Insurance.com's policy is to protect the confidentiality of the individually identifiable information that you provide, and to limit access to that information only to those with a need to know. YourLife-Insurance.com may collect your name, address, phone number and e-mail address at this site. We will use this information to provide you information you request, to refer you to a YourLife-Insurance.com agent, to refer you to a third party service provider or to comply with a legal requirement. When you encounter a screen in this site that asks for information you do not want us to have or use, you should not proceed further with that screen.
Hyperlinks
We have agreements with third parties that allow you to go to their web site from our Web Site. If you go to these sites from our site, you may be asked to give non-public personal information for access to their services or products. You may become a part of that business' customer base and be subject to their policies regarding the handling of customer data.
Please be aware that YourLife-Insurance.com is not responsible for the privacy practices of those sites, even though YourLife-Insurance.com's name or logo may appear on those sites. We encourage you to be aware of this when you leave our site and to read the Privacy Statements of each and every web site that you visit, as the privacy policy of those sites may differ from ours. Our privacy statement applies solely to our website.
Security
Our policy is to restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you or to provide necessary technical support. We require the employees with access to your nonpublic personal information, including your social security numbers, to use safeguards against unauthorized access, use and unlawful disclosure. We require our employees to adhere to high standards of ethics and integrity in performing their jobs and conducting business. We also require the same standards of confidentiality from the service vendors that assist us. YourLife-Insurance.com uses no encryption (data scrambling) on public portions of the Site and up to 2048-bit encryption on other portions-typically, where you can enter personally identifiable information. When you are on any web site that asks you for confidential information, you should check to see if the information being transmitted is encrypted in order to increase the security of your information.
Logging
In addition to the information you provide us, we collect information about your activities while you are at our site. While you are logged in our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using or reviewing our site. We obtain the information by using cookies.
Cookies
A cookie is a message sent to your browser from a web server that is stored on your computer's hard drive. The message is sent back to the web server whenever the browser requests a page from that server. Many commercial Internet sites use cookies. While a code in the cookie file enables the site to label you as a particular user, it does not identify you by name or address unless you have provided the site with such information or set up preferences in your browser to do so automatically. You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions. In general, cookies allow us to identify you as a particular user and thus provide you with a more customized service. We may also use cookies to track customer or user requests, inquiries and traffic patterns or to determine audience size and repeated usage. YourLife-Insurance.com uses pixels, or transparent GIF files, to help manage online advertising. These files enable us to recognize a unique cookie on your Web browser, which in turn enables us to learn which advertisements bring users to our website. With both cookies and Spotlight technology to measure online advertising, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email address.
We do not currently support Do Not Track signals but may in the future.
When you visit our website, other parties may collect personally identifiable information about your online activities over time and across different websites. Notwithstanding any other provision, we may work with a third party partner who may collect information from you, such as your IP address and information about your browser or operating system, and may place or recognize a unique cookie on your browser for the purpose of enabling interest-based content or advertising to you. The cookies placed by our third party partners contain no personally identifiable information; they may contain demographic or other interest-based data in a de-identified form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address or email, which we may share in hashed or encrypted form. To opt-out of these data provider cookies, please go to http://www.aboutads.info.
Right to Preserve and Disclose
YourLife-Insurance.com may preserve for any period of time it deems appropriate all information you provide. YourLife-Insurance.com may also disclose information you provide if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) complete your transaction; (b) comply with legal process; (c) enforce this Agreement; (d) respond to claims that any materials on this site violate your rights or the rights of third parties; (e) protect the rights, property, or personal safety of YourLife-Insurance.com, its users and/or the public; or (f) in the event that all or substantially all of YourLife-Insurance.com assets are acquired by a third party.
Modifications
We reserve the right, at any time, to change or modify our policies on the use of information you provide us, and will post the revised policy on our website. We, therefore, recommend you review this policy statement each time you may be asked to give us personal information after accessing this site.
Legal Terms
We also recommend you read the section called Terms of Use. The Legal Disclaimer section describes the terms and conditions for use of our website, discusses the content in this site, and information about your responsibilities when using this site.
Children and Minors
YourLife-Insurance.com makes no active effort to collect personal information from children and does not wish to receive any such information.
Effective July 7, 2020