Privacy

This is the privacy policy for LifeInsuranceRater.com This Privacy Policy sets forth our policies regarding the collection, use and disclosure of certain information relating to your use of the Site. Your use of this Site signifies your understanding and acceptance of the terms of this Privacy Policy.

Requirements for Use of Site
This Site is not intended for use by persons under the age of 18 years old. You must be 18 years old or older to provide any personal information to the Site, or to us through the Site. You represent and warrant that you are domiciled in the United States.    

Collecting Information
Personally Identifiable Information
The Site may request and collect certain personally identifiable information including, but not limited to, Application Data and other personal information contained in User Submissions, through various means such as online forms, online applications, e-mail and comments submitted to the Site. Such information collected through the Site may include financial information, health-related information, and other sensitive information. Other than as set forth in this Privacy Policy, and unless given permission by you to do so, we will not sell or disclose your personally identifiable information to third parties.

Non-Personally Identifiable Information
We may also collect certain non-personally identifiable information via the Site, such as Site usage activity and preferences, also known as demographic or profile data.

Why must you give so much personal information?
Insurance companies establish their rates using a variety of criteria. Since we deal with hundreds of companies, we must ask you all the questions required by all of them to determine the most competitive match for you. In some cases, where permitted by law, insurance companies may need to obtain additional background information about you, such as credit reports, driving records, or claims history verification, and may need your social security number or drivers license number to obtain these reports. Should you decline to provide information requested on the application form, you may eliminate some of the most competitive quotations.

Site Technology
Third parties (including, but not limited to, software vendors, advertisers and fulfillment companies) may also use Tracking Technologies by or through the Site. We have no control over what information such third parties track or collect, and we have no responsibility or liability for any tracking, data collection or other activities of such third parties.

Usage and Sharing
We use information collected on and through this Site for a variety of purposes in the course of business and as otherwise set forth herein. For example, such information may be used to process your applications to receive insurance quotations or to send you information about our and our affiliates' products and services and other information and materials that may be of interest to you. This information may also be used to evaluate what portions of the Site are more popular than others, determine where visitors came from, where they go, and how long they stay on a particular page, or the Site in general. We may match information collected from you through different means or at different times, and use such information along with information obtained from other sources, including third parties. Application Data will be forwarded to insurance agents, brokers and/or companies who may contact you with your quote by email, telephone, postal mail or other forms of communication. We are not responsible, and shall not be liable, if an agent, broker or company to whom we forward your Application Data violates our Privacy Policy or their own privacy policy, if any.

We may disclose your personal information to companies that perform technology or marketing services for us for their use in performing such services. We may transfer, sell or assign aggregate, non-personally identifiable information about Site usage to third parties. We may transfer, sell or assign personal information to third parties as a result of a sale of all or substantially all of our assets relating to this portion of our business or in connection with a merger, consolidation, change in control, reorganization or liquidation. We also reserve the right to disclose any information concerning you if required by law or to protect or defend our rights or the rights or well-being of our users or if you are involved (or are reasonably suspected to be involved) in any illegal activity, even without a subpoena, warrant or court order.

Consent to Processing
By providing any personal information to this Site, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories. By submitting this information you are authorizing Brokers, Agents and/or Insurance Professionals in our network to contact you directly with quotes via telephone, fax, and email, regardless of the presence of your phone number(s) on any local or national no-call list.

Links
This Site may contain links or references to other Web sites outside of our control. Please be aware that we have no control over these sites and our privacy policy does not apply to these sites.

Your Acceptance of this Policy
By using this Site, you signify your acceptance of our Privacy Policy. If you do not agree to this policy, please do not use our Site. We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time so visitors are encouraged to review this policy from time to time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.

Last updated: May 26, 2008

Features and Advantage of LifeInsuranceRater.com
LifeInsuranceRater helps consumers find the best life insurance rate online. Compare free life insurance rates and save instantly online. Our system provide applicants with a variety of Insurance Carriers to compare free life insurance quotes. Most applicants are guaranteed coverage, regardless of past health issues. Lifeinsurancerater.com is designed to help you find the most affordable life insurance rate for you and your family. Our application form only takes 5 minutes, and will match you with the best companies that fit your life insurance needs. Life insurance rates are provided instantly online, that way you can easily compare and make a choice.