Privacy Policy

This privacy policy covers {“LIC”}
At LIC, we take your privacy seriously. We believe you have the right to know the privacy policies of the sites you visit.
LIC’s database contains information on hundreds of life insurance products offered by hundreds of life insurance companies. Each company uses different criteria to rate prospective customers. The information you provide on the quote request form, combined with each insurance company’s guidelines, allows us to accurately determine which products and rate classes you’ll likely be able to qualify for. The consequence of declining to provide some of the requested information is that the quotes you receive may be inaccurate, and/or that we may not be able to provide a quote for you at all.
Information Collected on the site
In order to receive a life insurance quote, you must first complete the “compare now form”. At this time, you are not required to give personal contact information (such as name and email address). We use the information you have provided to supply you with a comprehensive list of life insurance companies, ranked by premium for the policy details you have supplied us with.
When you request an application or more information, we use this information to contact you about the services on our site in which you have expressed interest.
If you have the option to provide demographic information (such as income level and gender) to us; we encourage you to submit this information so we can provide you a more personalized experience on our site. We also may collect personal health information from you to complete the application.
When do you send my information to an insurance company?
LIC will only send your personal information to insurance companies or agents when you compare now, request an application, or ask us to provide you with more information or services.
Does LIC store my personal information?
Yes. All information submitted through LIC’s quote request forms is stored in our database and/or printed and stored in files. LIC does not use this information except to process your request to provide quotes, or to forward it to an insurance company
or agent, if and when you request additional information or actually apply for coverage. This information is securely stored at our company in order to make it easier and more convenient for you to apply should you not decide to do so immediately. If you would like to access your data to make changes to it, you can do so by emailing us.

Does LIC use “cookies?”
Yes, some of LIC’s pages do use “cookies” – one or more small text files saved on your computer’s hard drive and stored in memory while your browser is running. LIC stores this number as a cookie in order to track usage patterns. Cookies are totally harmless and do not hurt your computer in any way, nor do they compromise your identity or provide us any other information other than what you, as the potential customer, willingly supply to us. Cookies on our site are/are not linked to personal information.
We may also use third-party advertising companies to serve ads and collect anonymous information on our behalf. These companies may use information (NOT including personal information such as your name, address, email address or telephone number) about your visits to our website in order to provide advertisements on the LIC site and other websites about goods and services that may be of interest to you. These companies also use cookies and other tracking technologies, such as web beacons and action tags to measure and improve the effectiveness of ads, and to increase the relevance of the ads that you see while online.
How does LIC use my information?
LIC uses your personal information to prepare an insurance quote for you and to allow a life insurance agent or company to assist you in the application process. When you request a quote from us you are explicitly opting in and allowing us to share aggregated statistical information about the use of the LIC web site with third parties. In this case, individual users’ personal information will not be identified.

Legal Disclaimer
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.
If you use a bulletin board, blog, or chat room on this Web site, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you
choose to submit in these forums. We also have testimonials on our site, for which users have given us permission to post their personal information.

If you choose to use our referral service to tell a friend about our site, we may ask you for your friend’s name and email address. We may automatically send your friend one or more emails inviting him or her to visit the site. LIC stores this information for the sole purpose of sending introductory emails and tracking the success of our referral program.
Your friend may contact us to request that we remove this information from our database.
When you fill out our quote request form or request for more information, you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by LIC and its affiliate partners (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we, or our affiliates, contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list. This list includes email, phone, fax and US Mail.

After I request quotes at LIC, who will contact me?
You may be contacted by an agent or representative to clarify some of the information you provide to us and to provide you with any additional information you have requested. This may be done through one or more of many communication channels (telephone, fax, email, US Mail, etc.) By submitting your information, you also agree to receive other money saving or financially beneficial offers from LIC on behalf of Trusted 3rd Parties in the future. However, we will not share, sell rent or trade your personal information with third parties for promotional purposes. Offers from Trusted 3rd Parties will come on behalf of LIC.

Will you contact me if I’m on the National Do Not Call Registry?
We do not wish to make contact with individuals or companies that are not interested in receiving information or entertaining the possibility of obtaining insurance through our firm, participating agents, or insurance carriers. When you fill out our quote request form you are explicitly initiating a relationship with us, inviting and consenting to the receipt of information (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

What is your policy on spamming?
Spam or UCE, Unsolicited Commercial E-mail, is the Internet version of “Junk mail.” It is an attempt to deliver a message to someone who would not otherwise choose to receive it. Potential target lists for spamming are created by scanning Usenet postings, stealing Internet mailing lists, or searching the Web for addresses. Such information is gathered with automated searches to retrieve e-mail addresses for spamming.
LIC does not spam. If you received a mailing from us, (a) your email address is either listed with us as someone who expressly shared this address for the purpose of receiving information in the future (“opt-in”), or (b) you have registered or purchased or otherwise have an existing relationship with us. By requesting information from us or receiving an online quote, which may require future contact, you have agreed to opt-in to receiving our information, or information from agents or insurance carriers who use our services. We respect your time and attention by controlling the frequency of our mailings.

Can I stop receiving email from LIC?
Each email sent contains an easy, automated way for you to cease receiving email from us, or to change your expressed interests. If you wish to do this, simply follow the instructions at the end of any email. If you have received unwanted, unsolicited email sent via this system or purporting to be sent via this system, you may contact us to request that we remove this information from our database.
Service Providers
If we use email service providers as third party service providers, these companies do not retain, share, store or use personally identifiable information for any other purposes.
Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by LIC. Please be aware that we, are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.
This privacy statement applies only to information collected by this Web site.

The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

How to Contact Us
Should you have other questions or concerns about this privacy policy, please contact us using the “Contact Us” page.

Changes in this Privacy Statement
If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and/or other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.