PRIVACY
By pressing the Quote Submit Button you agree and give consent to receive quotes for insurance products to your mobile phone including SMS / MMS message or/and the email address you provided. For inquiries 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 either by text message, email, or phone call. Your personal information is never sold, shared or distributed to any 3rd party vendors outside of LifeInsuranceBrokersGroup. 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 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. Once one of our agents has given you quotes by text, email or phone call and you do not want to proceed, your information is destroyed and NO further contact will be made. We respect your privacy. LifeInsuranceBrokersGroup.Com is determined to protect the information that you provide. When you volunteer your information, it is stored on a secure server which is only accessed by LifeInsuranceBrokersGroup.Com only. Only ONE agent is assigned to you.
Your Information Is Safe With Us. TCPA Compliance: The Telephone Consumer Protection Act (TCPA) Absolutely no telemarketing calls, auto-dialed calls, pre recorded calls, unsolicited text messages, spam and faxes are ever made once your information has been submitted to us.
This information is used solely for assessing customer requirements for insurance purposes, updating existing policies, or to apply requisite information to an application.
Once you enter your details and submit the LifeInsuranceBrokersGroup.Com form, you thereby agree to the terms of this privacy policy. If you don’t agree to any of these terms, please do not submit your details to LifeInsuranceBrokersGroup.Com or use this website.
LifeInsuranceBrokersGroup.Com will reserve the right to make changes to this privacy policy as required. It is up to the client to regularly refer to this page and check for alterations or modifications in order to familiarize themselves with LifeInsuranceBrokersGroup.Com current practices. LifeInsuranceBrokersGroup.Com will always state policy changes on this page. The laws of the the United States of America govern any legal obligation under this privacy policy, regardless of where the user is at the time of viewing this website.
Please remember that it is essential when purchasing a policy from LifeInsuranceBrokersGroup.Com that your details should be given to the insurance company, so that they may start the proceedings with the service.
It is possible that LifeInsuranceBrokersGroup.Com will use third party services when completing your order or for the purpose of validating your application. This is solely in order to provide you with this service and is essential to your application.These third parties are prohibited by law from sharing your personal information or using it to promote or market their own business.
Restrictions, Limitations and Conditions of Use
Any unauthorized use of our Site or Site Content for any purpose is prohibited. Your rights to this Site are given on the condition that you use the Site in accordance with these Terms. You may not use the Site for any unlawful purpose and you may not participate in any of the following:
Access, solicit, collect or use any personally identifying information about any other users of the Site or anyone else;
restrict or inhibit others from using the Site;
Transmit to or introduce at the Site any viruses, harmful software, or other modifications or changes to the Site or reverse engineer, decompile, disassemble, reverse assemble or modify any Site source or object code or any software or other services or processes accessible through any portion of the Site or Site Content;
submit, upload, email or otherwise transmit any content or other materials, to or through the Site which (a) is threatening, abusive, defamatory, obscene, vulgar, offensive, or otherwise objectionable, or which may harm minors; (b) infringes or violates the rights of others, or (c) has an advertising, political marketing, promotional or other commercial purpose;
engage in any activities that interfere with another user’s access to the Site or the proper operation of the Site; or
distribute or copy any Site Content manually or by using any robot, scraper, crawler, or any other automatic device or process; frame or utilize framing techniques to enclose any Site Content; or use content from our Site in a manner that suggests an unauthorized association with any of our or our licensor’s products, services or brands.
LifeInsuranceBrokersGroup has no obligation to monitor your interaction with the Site, but reserves the right to review or monitor the Site and any user submissions in its sole discretion.
Links to Other Sites
In using the Site, you may find that LifeInsuranceBrokersGroup provides hyperlinks to one or more third-party websites (the “Linked Sites”). LifeInsuranceBrokersGroup provides these links as a convenience for you and other users but is not responsible for the content of, or links to and from, the Linked Sites. Your linking to these Linked Sites is at your own risk. We encourage you to read the terms and conditions and similar privacy policies of the respective Linked Sites, should you choose to visit them since your use of those Linked Sites will be subject to their terms of use and privacy policies. A link from the Site does not imply a relationship with, or endorsement of, the Linked Site(s) or its content, purpose, policies, or business practices by LifeInsuranceBrokersGroup.
Disclaimer, Limitation of Liability, and Indemnification
The materials, Site Content and services offered on the Site are provided “AS IS” and without warranties of any kind. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of non-infringement, merchantability and fitness for a particular purpose. We do not warrant that the use of the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server(s) that make it available or any advertised or hyperlinked site are free of viruses or other harmful components or that the Site, server(s), or advertised or Linked Sites will be accessible at all times. We do not warrant or make any representations regarding the use of the Site or any information contained therein, including Site Content, with respect to correctness, accuracy, availability, reliability, graphics, links or otherwise. You assume the entire cost of all necessary servicing, repair or correction to any equipment you use to access the Site. To the extent that applicable law may not allow the exclusion of implied warranties, the above exclusions may not apply to you.
Documents, information, product descriptions, graphics and other materials appearing on the Site may include technical inaccuracies, miscalculations, typographical errors, and out-of-date information. Use of such documents, information, product descriptions, graphics or other materials is at your own risk.
You waive any and all claims and rights against us and our affiliates, parents, and successors and each of our employees, assignees, officers, agents and directors (the “LifeInsuranceBrokersGroup Parties”) resulting from injury or damage to, or destruction, theft, or loss of, any property, or person, to the maximum extent permitted by applicable law. None of the LifeInsuranceBrokersGroup Parties will be liable to you under any cause of action, for any direct, indirect, special, incidental, consequential, reliance or punitive damages, including loss of profits or business interruption. You hereby agree to indemnify the LifeInsuranceBrokersGroup Parties from and against any and all claims, liabilities, and expenses (including reasonable attorneys’ fees), resulting from your use of the Site or any breach of these Terms by you.
Ability to Accept Terms
You affirm that you are the age of majority in your jurisdiction and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms. The Site is not intended for children under the age of eighteen (18). If you are under 18 years of age, then please exit now and do not use this Site.
Data Processed in the United States
LifeInsuranceBrokersGroup processes data in the United States, and we make no representation that this Site is appropriate or available for use beyond the United States. If you use this Site from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. This Site may describe programs and services that are available only in the United States (or only parts of it). We reserve the right to limit the availability of this Site and/or the provision of any content, programs, service, or other feature described or available on this Site to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, service, or other feature that we provide.
LifeInsuranceBrokersGroup.com only sells insurance in states where we are licensed to sell.
Our Services are offered through our licensed insurance producer entity, LifeInsuranceBrokersGroup.com LifeInsuranceBrokersGroup.com is not an insurance carrier. Instead we provide the products and services of our admitted insurance carrier partners licensed to sell insurance in your state. Not all products are available in all states. LifeInsuranceBrokersGroup.com is paid commissions and may receive other performance-based compensation for its services.
The products we offer are only for people who live in the United States. We don't and don't intend to sell insurance products outside the United States, or anywhere LifeInsuranceBrokersGroup.com isn't licensed.
Our quotes may not be the final price
LifeInsuranceBrokersGroup.com generates quotes for life insurance products. These prices change based on your answers to our questions and information collected during your application, your choices for different products, or due to changes of insurance pricing guides. For example, if you apply for life insurance just before your birthday, but don't pay for it that day, it can cost more a few days later --- as it's after your birthday and your price may go up as you get older. Whenever you leave your application before you pay, your price may change. Your price isn't final and set until you sign your insurance contract with our insurance carrier and pay your initial premium.
LifeInsuranceBrokersGroup.com protects its brand and assets © 2023 LifeInsuranceBrokersGroup.com. All rights reserved. LifeInsuranceBrokersGroup.com and all of our logos and designs are trademarks and/or service marks of LifeInsuranceBrokersGroup.com. You may not use our images or logos without first getting the okay from us in writing.
Everyone who uses our Services and visits our website should respect intellectual property laws and the rights of LifeInsuranceBrokersGroup.com. If something does not look right on our website or if you have any concerns, you may send us questions. We will work quickly to look into your question and will remove material from our website if we determine third party copyrighted material is displayed without LifeInsuranceBrokersGroup.com holding a license to do so. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. If you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorneys' fees).
LifeInsuranceBrokersGroup.com’ name, logos, designs, business processes, and everything else that's part of our Services are protected by intellectual property rights including copyright, trademark, trade secret, and other laws of the United States. Our Terms don't give you any license to use any of our intellectual property, other than as necessary to use our Services and to assist you in purchasing insurance products we make available to you.
You agree to honor LifeInsuranceBrokersGroup.com' ownership rights related to our Services and the rights of the other parties whose intellectual property is included in the Services. You will not misuse Services or any third party intellectual property used along with the Services. You may not copy or reproduce any of the Services in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Services. You will not trespass, bypass, interfere with, disrupt any host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Services.
At Life Insurance Brokers Group, we believe your privacy and the security of your information are essential. The following Privacy Policy details our information gathering, protection, and handling practices relating to using the website www.LifeInsuranceBrokersGroup.com. If you have questions or concerns about our privacy policy, please contact us by phone at 520-208-0929
Why we collect visitor information
There are two reasons why we collect visitor information on this site.
(1) Information is collected to provide real-time, accurate life insurance quotes by text message SMS / or phone call
(2) Information is collected to initiate the application request process or begin purchasing life insurance.
The only personally-identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends. They are not used to track the usage patterns of individual users.
Information collected & how we use it
Insurance Quote Request Form
This site provides free life insurance quotes. To provide accurate quotes, we must collect certain information. That includes state of residence, date of birth, gender, height, weight, coverage amount desired, health classification of the proposed insured, and tobacco use. For simplified-issue and guaranteed issue life insurance quotes, other health information may also be required.
All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates, we must collect the data mentioned above and more.
Insurance Application Request Form
This form represents the initiation of the insurance purchasing process. By filling out this form, you are requesting contact by a staff member regarding your insurance purchase. The information collected via this form (name, mailing address, email, and phone numbers) will be used only to contact you regarding your purchase of insurance. Life Insurance Brokers Group does not sell or give away this information. Life Insurance Brokers Group may share this information with life insurance carriers to provide the best service and products to you, our client.
This form also requests other health and lifestyle information required by the majority of insurance applications. You do not need to fill out this information online, but you will need to provide it during the application process.
Cookie
A cookie is a piece of data stored on a user’s computer tied to information about that user. None of the cookies this site uses are linked in any way to personally identifiable information.
This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user’s hard drive for an extended period. You can remove persistent cookies by following the “Help” directions provided by your browser. Cookies may be disabled at any time by following the “Help” directions provided by your browser.
Information collected by cookies is analyzed to determine the effectiveness of our site. Users that reject our cookies may still use our site.
Log Files
When visitors enter and navigate through the pages of our site, our server logs information, including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor’s browser, operating system, and screen resolution. We then analyze that data. Our goal is to understand better what our visitors are looking for and improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns or use these technologies to gather emails or personally identifiable information.
Communication with clients
Once a user has initiated a relationship with Life Insurance Brokers Group through this site, various forms of communication may ensue. They include
(1) contact by telephone
(2) contact by email
(3) contact by mail
(4) contact by text message SMS
All contact is to help our clients apply for, purchase, or get life insurance or other forms of insurance (such as an annuity, health, vision). Contact will only come from a Life Insurance Brokers Group agent or our processing staff.
If at any time you desire that we cease contact with you, please reply by email, telephone, mail, or fax, and we will immediately remove you from our database.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to LIBG , 13802 N Scottsdale Rd Suite # 151-72 Scottsdale, AZ 85254.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: United States
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Life Insurance Brokers Group, accessible from https://www.lifeinsurancebrokersgroup.com/
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
Your options
On LifeInsuranceBrokersGroup.com
This site is open for public use without providing any personally identifiable information.
You explicitly initiate a relationship by providing your personally identifiable information on this site (as defined by the National Do Not Call Registry) with Life Insurance Brokers Group. You are inviting, consenting to, and requesting contact and information from us, which may be provided to you online, by phone, text message, SMS, email, or mail by Life Insurance Brokers Group or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent.
If you desire that we cease contact with you at any time, we will honor your request to place you on our internal “Do Not Contact” list.
You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails. Or reply with the message “unsubscribe.”
Cookies
You may disable cookies on your browser at any time by following the directions provided to you by your browser.
Update/Change Personal Information
If you would like to update or change the personal information we have on file for you, don’t hesitate to get in touch with us at 520-208-0929
Carrier, partner, vendor, and affiliate privacy policies
Life Insurance Brokers Group may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in your purchase of insurance. Life Insurance Brokers Group is not responsible for these third-party companies’ privacy policies or procedures or any loss or breach of data through these third-party systems. Please get in touch with these individual organizations with questions regarding their Privacy Policies.
Spam policy
Life Insurance Brokers Group does not spam.
Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. Suppose you receive an email from Life Insurance Brokers Group. In that case, it is because (1) you expressly shared your email address with us to receive information in the future (also known as “opt-in”), or (2) you have purchased from us or have a current relationship with us.
By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information.
You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails. You can also do so by replying to the email with the subject line, “unsubscribe.”
Privacy policy updates
This Privacy Policy may be updated at any time. Life Insurance Brokers Group is always looking for new and safer ways to protect our clients’ information. Consequently, this Privacy Policy may be updated to reflect those changes. We suggest that you review this Privacy Policy each time you use this site.
Our Service may contain links to other websites 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.
Changes to this Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: admin @lifeinsurancebrokersgroup.com
By mail: L.I.B.G. 13802 N Scottsdale Rd Suite # 151-72 Scottsdale, AZ 85254