Email Communication:

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.

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.

TrustE Watchdog:

"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.

Cookies:

Our web site uses cookies in order to provide a better experience. Thecookies that we use are transitory in nature and are removed from your computer following the end of your session on our web site. They are used only to maintain continuity in your interactions on our site. No personally identifiable consumer information is ever tied to a cookie.

Demographic Information:

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.

Log Files:

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 need 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 does not share your information with third parties who are engaged in any special relationships with us, such as partners, or co-branded sites.  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 employees, and the paramedical company that will schedule a medical appointment with you before you can be considered for a life insurancepolicy.

Correct/Update 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 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 have 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 work station 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/ordata 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:

If we are going to use your personally identifiable information in a manner different from that stated at the time of collection we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site notifying users of the change. In some cases where we post the notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

Life Insurance and Other Partner Links:

We provide links to other web sites for informational purposes. We do not share any user data or information with those web sites. This web site contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours.

Third Party Cookies:

Third Party Cookies: From time to time we may employ the use of a third party agent in tracking non-personal aggregated statistics about our Web site. These third party agents may employ the use of cookies and web beacons to this end. We have no access to these third party cookies and take no responsibility for them.  We use this statistical data to improve our web site offerings and functionality.

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by LifeQuote [http://www.lifequote.com] only and does not cover the use of cookies by any advertisers.

Legal Disclaimer:

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.

Questions about our Privacy Policy:

If you have questions or concerns regarding this Privacy Policy statement, you should first contact Underwriting Dept by email.

Attention:

Maritza Centeno

Operations Director

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: 

This e-mail address is being protected from spambots. You need JavaScript enabled to view it

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.