LifeQuote Holdings, Inc., d/b/a LifeQuote.com, is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement applies exclusively to www.lifequote.com (the web site.) Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe. 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.
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 personal information. We fundamentally respect the privacy rights of our applicants.
If your inquiry is not acknowledged within a reasonable time expectation, or hasn't been addressed to your satisfaction, please contact TRUSTe who shall then work as a liaison with us to resolve your concerns.
"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 personal information."
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.
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.
Sharing of the Information this site gathers/tracks:
When you provide us with personal 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, affiliated customer of LifeQuote referral service, contact you about insurance via e-mail, telephone and fax, using the 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 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.
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.
"If your inquiry is not acknowledged within a reasonable time expectation, or hasn't been addressed to your satisfaction, please contact TRUSTe who shall then work as a liaison with us to resolve your concerns.
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.
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
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:
Our web site may share your 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.
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 any personal 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.
Notification of Changes:
Web site users should check this space for any material changes to our privacy practices regarding the collection of personally identifiable information.
Life Insurance and Other Partner Links:
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.
OPT-IN NOTICE: By submitting an insurance quote request, You Expressly “Opt In” To Receive Information And Grant Us Permission To Share Your Information
You can remove your email at any time by sending an email to
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.
Web Beacon Disclosure:
We 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.
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, and TRUSTe will then serve as a liaison with LifeQuote.com to resolve your concerns.