This notice is provided to you so that you may know: the type of information we collect; how we collect information; how we use information; and the steps we take to protect information about you.
Please also review our Experts page, to review their individual privacy policies, as well.
Contact information includes items such as your name, telephone number, and email address.
Financial information includes items such as your experiences and needs related to life insurance applications, policy type, premium amount, and benefit amount.
Risk profile information includes items such as your health and medical history, as well as other insurance underwriting risk factors.
Internet information includes items such as when and which of our pages you visit, your IP address, your domain name, and your referring URL (how you found our websitewhich search engine, for example).
Your contact, financial, and risk profile information (described above) is collected through your voluntary communications to us, including your submission of our online forms, emails to us, and any other communication methods that you choose to utilize. We will not collect your financial and risk profile information (described above) from any other source, without your express permission.
We maintain physical, electronic, and procedural safeguards to protect all the information we collect.
Your contact, financial, and risk profile information (described above) is used internally by our staff and Resident Expert(s) to better answer your voluntary request for information and assistance. When our staff or Resident Expert(s) contact you (in response to your voluntary communication), you reserve the right to refuse the information and to decline future contact. We will not disclose, sell, share, license, or otherwise distribute your contact information to anyone unless you have authorized us to do so, or as required by law. We may disclose non-personally identifying information in aggregate form, only, such as to advertisers.
Your internet information (described above) is used to perform statistical analyses of user behavior in order to measure visitor interest in the various areas of our site, to measure how visitors find our site, and to inform advertisers (if applicable) as to how many visitors have seen or clicked on their advertising banners and/or rate-quoting forms. In performance of these analyses, we will disclose information to third parties only in aggregate form; individual information will not be given.
Please, never send highly sensitive information (such as social security number and bank account numbers) through our online forms or through email. We have no need for this type of information and will never request it.
If you feel uncomfortable submitting your contact, financial, and risk profile information (described above) through the Internet, you may call us toll-free at 1 (866) 633-1818, instead.
Once your information is in our possession, we use appropriate security procedures and practices such as firewalls and passwords to protect the data that we store on our servers.
This site contains links to other sites that are not under our control. These websites have their own policies regarding privacy. We are not responsible for the privacy practices or the content of other websites. For your own protection, you should review their policies upon visiting these other sites to make sure they respect your privacy. In particular, please make yourself aware of privacy practices used by our Resident Expert(s), listed at the top of this page.
To subscribe to any newsletter, you must provide your e-mail address and name. You are not obligated to provide your legal namenicknames and aliases are permitted for the purpose of newsletter subscription. PLEASE NOTE: If you request information through our online forms, you will be eventually added to the newsletter email list, as well.
When you subscribe to any newsletter, a confirmation email will be sent to the email address you provided, as a precaution against those who would maliciously or inadvertently subscribe with your email address. You may change or cancel any newsletter subscription at any time by sending us an email or by using the cancellation link that's provided in every newsletter.
We may use your email address to send you additional email messages, as needed for maintenance of our email list and for alerting our email membership of pertinent insurance news. We do not release subscriber names or email addresses to outside organizations.
Although this site is intended for the use of adults, and is not of likely interest to children (under 13 years of age), the forms on this site are capable of collecting online contact information from children who furnish it without prior parental consent or parental notification. Upon discovery that any such information was supplied by children, such information shall be disregarded and deleted. This web site fully supports COPPA (Children's Online Privacy Protection Act).
A "cookie" is a small text file that a web site can place on your computer's hard drive in order, for example, to collect information about your activities on the site or to make it possible for you to use an online "shopping cart" to keep track of items you wish to purchase. Most consumers do not know that cookies are being placed on their computers when they visit websites. If you want to know when this happens, or to prevent it from happening, you can set your browser to warn you when a website attempts to place a cookie on your computer.
Our web site uses a cookie to track information such as when and which of our pages you visit, your IP address, your domain name, and your referring URL (how you found our websitewhich search engine, for example). Your privacy is important to us, and this cookie assigns you an arbitrary, anonymous "Visitor ID" number for purposes of identification.
We use this information to perform statistical analyses of user behavior in order to measure visitor interest in the various areas of our site, to measure how visitors find our site, and to inform advertisers as to how many visitors have seen or clicked on their advertising banners and/or rate-quoting forms. In performance of these analyses, we will disclose information to third parties only in aggregate form; individual information will not be given.
This web site may make public areas (such as chat rooms, forums, message boards, and/or news groups) available to its users. Please remember that any information that is disclosed in these public areas becomes public information and you should exercise caution when deciding to disclose your personal information. If you choose to use a public area, you are solely responsible for your own communications, the consequences of posting those communications, and your reliance on any communications found in the public areas.