Effective Date: 02/06/2014
LifeQuote has received TRUSTe's Privacy Seal signifying that this privacy statement and our practices have been reviewed for compliance with the TRUSTe program viewable on the validation page available by clicking the TRUSTe seal. The TRUSTe program covers only information that is collected through this Web site, www.lifequote.com.
By displaying the TRUSTe trustmark, this web site has agreed to notify you of:
- What personally identifiable information of yours or third party personally identifiable information that is collected from you through the web site.
- The organization collecting the information.
- How the information is used.
- With whom the information may be shared.
- What choices are available to you regarding collection, use and distribution of the information.
- The kind of security procedures that are in place to protect the loss, misuse or alteration of information under LifeQuote Holdings' control.
- How you can correct any inaccuracies in the information or delete/remove information no longer used.
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact TRUSTe at https://feedback-form.truste.com/watchdog/request.
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 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, such as age and gender, is collected on the web site 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.
Users should expect direct communication from this web site, 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 in 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 web site either via email, telephone, or postal mailing to collect missing information if the client has requested life insurance coverage.
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 the Information this site gathers/tracks:
Sharing of Information to Third Parties:
Our web site 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 web site 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.
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.
Third Party Cookies:
These companies may use technologies to measure the effectiveness of ads and emails and use information about your visits so that we can provide a better experience to you.
Web Beacon Disclosure:
We and our third party advertising partners may also make use of web beacons in monitoring individual page traffic and user preferences. A web beacon is a one-pixel image embedded within a web page. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We tie [do not tie] the information gathered by clear gifs to our customers’ personally identifiable information.
We do not log information such as IP addresses, ISPs, and browser type, nor do we link that information with personally identifiable information. IP addresses are logged by our service provider, but is not in the files accessed by LifeQuote linked with personally identifiable information.
Behavioral Targeting / Re-Targeting
NOTE: Participant may also link to the NAI opt-out mechanism http://www.networkadvertising.org/managing/opt_out.asp
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.
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 in 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.
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 ensue 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. Employees are informed of the strict security policies at hire, and reminded at employee reviews, or when those policies are amended.
Life Insurance and Other Partner Links:
Social Media Features and Widgets:
As a courtesy to our users, we provide widgets on the web site that allow users to easily share information on third party platforms. These widgets do not collect, or store any personally identifiable information.
OPT-IN NOTICE: By submitting an insurance quote request, You Expressly “Opt In” To Receive Information And Grant Us Permission To Share Your Information
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:
LIFEQUOTE Life Insurance Quotes Mailing Address:
LifeQuote Holdings, Inc.
95 Merrick Way, Suite 400 Coral Gables, FL 33134
LifeQuote Phone: 1.800.521.7873
LifeQuote Fax: 305.539.9732
Life Insurance Support E-Mail:
If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe here, and TRUSTe will then serve as a liaison with LifeQuote.com to resolve your concerns.