Privacy Policy

By pressing the Quote Submit Button you agree and give consent to receive quotes for Mortgage Protection Insurance/ or and other insurance services to your mobile phone including SMS or MMS message or/and the email address you provided. For inquires with land-line phones that cannot accept text messages and prefer a phone call, then one of our Licensed Field Underwriters will call you.  You consent and give permission to our licensed brokers, agents or/and field underwriters associated with Life Insurance Brokers Group to contact you.

 

Your personal information is never sold, shared or distributed to any 3rd party vendors outside of LifeInsuranceBrokersGroup. We respect your privacy. Once a quote has been given and if no services are offered or sold, your information will be destroyed.  You recognize and understand that you are not required to sign this authorization in order to receive insurance services. No obligations of purchasing any insurance are required by you.  Under no circumstances do you hold licensed brokers, agents or/and field underwriters, associated with Life Insurance Brokers Group or/and its partners and affiliates accountable for any liabilities by contacting you by a Text Message, Phone or Email from this quote. You understand in order to get a proper quote or offer, a license agent will need to gather more personal information regarding health, employment, age, and basic information to help underwriting get you an accurate quote or offer. Quotes are sometimes not the final quote, as Insurance Companies must also agree and do their underwriting to see if the application can be approved at the quote the agent or broker has stated on the application.

Scott Smith Life Insurance Broker & LifeInsuranceBrokersGroup ("us", "we", or "our") operates the www.lifeinsurancebrokersgroup.com website (the "Service").

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at www.lifeinsurancebrokersgroup.com

Information Collection And Use While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to, your email address, name, phone number, postal address, other information ("Personal Information").

We collect this information for the purpose of providing the Service, identifying and communicating with you, responding to your requests/inquiries, servicing your purchase orders, and improving our services.

Cookies
Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and transferred to your device. We use cookies to collect information in order to improve our services for you.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The Help feature on most browsers provide information on how to accept cookies, disable cookies or to notify you when receiving a new cookie.

If you do not accept cookies, you may not be able to use some features of our Service and we recommend that you leave them turned on.

Do Not Track Disclosure
We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

 

Service Providers
We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services and/or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform specific tasks on our behalf and are obligated not to disclose or use your information for any other purpose.

Security
The security of your Personal Information is important to us, and we strive to implement and maintain reasonable, commercially acceptable security procedures and practices appropriate to the nature of the information we store, in order to protect it from unauthorized access, destruction, use, modification, or disclosure.

However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the Personal Information we have collected from you.

Links To Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy
Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 ("Children").

We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from a child under age 13 without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy


This Privacy Policy is effective as of July 30, 2020 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.

Contact Us


If you have any questions about this Privacy Policy, please contact us at Scott@lifeinsurancebrokersgroup.com

LifeInsuranceBrokersGroup.com . (“LifeInsuranceBrokersGroup.com”) was designed to make it easy for people to buy life insurance online. As part of that mission, LifeInsuranceBrokersGroup.com takes your privacy seriously. We share a commitment to protect your privacy and the confidentiality of your personal and financial information.

As providers of products and services that involve compiling personal – and sometimes sensitive – information, protecting the confidentiality of that information has been, and will continue to be, a top priority for LifeInsuranceBrokersGroup.com. Whether you are a current customer, former customer, or potential customer, we believe that you should know about the information we collect, the measures we take to safeguard it, and the situations in which we might share information with select business partners.

This Privacy Policy describes how we handle and protect information that we receive through our website at LifeInsuranceBrokersGroup.comlife.com (the “Site”) and our related and subsidiary webpages and through access to any optimized version of our Site for mobile devices.

By accessing and using the Site, you consent to our Terms of Use, as well as the collection, use, and storage of your information by us in the manner described in this Privacy Policy. We reserve the right to change and update this Privacy Policy and such updated versions will be posted on the Site. This Privacy Policy supersedes all earlier versions of such policy.

What information is collected on the Site?
Personal Information submitted by you

We collect personal information from you to help you use our products and services, and this may be done while requesting a quote, submitting your application, through your use of our Site, discussing your application or insurance product with us, or by providing feedback to us. By “personal information,” we mean information that specifically identifies you. Generally, you do not have to register or provide your name or other information that personally identifies you in order to view the Site Content. If you choose to obtain a quote using our quote tool, you may initially be asked to provide your birthdate, gender, zip code, household information, financial information, information about whether or not you smoke, and similar biographical and lifestyle information. From time to time, we may contact you with information regarding our products or services.

If you choose to apply for a life insurance policy through LifeInsuranceBrokersGroup.com, you will then be asked to register with LifeInsuranceBrokersGroup.comlife.com and provide your personal information as part of your insurance application process. You will have the option to apply for a policy, where you will be asked to provide further information about your health, lifestyle, and financials. The information we collect and the extent to which we use it for the application process will vary depending on the product or service involved.

Non-personal Information

The Site collects certain standard Internet log information that you do not visibly enter, such as your browser type, Internet Protocol (IP) address of your computer or device, browser type, clickstream data, operating system, loading or exiting of web pages, HTTP protocol elements, and the status of cookies placed on your computer by LifeInsuranceBrokersGroup.comlife.com. In addition, in order to manage and improve our Site, we or our service providers may use cookies (small packets of information that are stored by your web browser) or web beacons (electronic images that allow us to count visitors who have accessed a webpage). These tools do not identify you personally and allow us to track and analyze aggregated usage data about our Site. This information may be shared on an anonymous aggregated basis. You may choose to block or disable cookies from your device using your browser settings or options. However, this may impact your user experience and parts of the Site may not work for you. You cannot remove or block web beacons as they form part of the content of the web pages, however because they work in conjunction with cookies, turning off cookies will prevent web beacons from tracking your user activity on our Site. The beacon can still account for an anonymous visit, but your unique information will not be recorded.

How is your information used?


If you choose to provide personally identifiable information to us through the Site, we use that information for the intended purposes for example, to quote, apply for, and help issue you a life insurance policy. Applications for insurance become the property of LifeInsuranceBrokersGroup.com and may be used for any purposes ordinarily associated with such applications and retained in accordance with our processes for retaining such documentation and applicable law. If you apply for an insurance product, we may use your personal information to deliver your products and services, underwrite your application, provide you with customer service, and communicate with you during the life insurance application process, and as we deem appropriate for our internal business purposes and to fulfill our legal and regulatory requirements