Last updated: January 1, 2025
Independent Agency Disclosure
Life Insurance Coverage is an independent insurance agency. We are not affiliated with, endorsed by, or acting on behalf of any single insurance carrier. We work with multiple carrier partners and may display carrier names or logos for identification purposes only.
Interpretation and Definitions
Interpretation
Capitalized words in this Privacy Policy carry the meanings described below, whether they appear in singular or plural form.
Definitions
- Company means Life Insurance Coverage.
- Service means this website and any related lead-generation or policy-support services.
- Personal Data means any information that identifies or can reasonably identify you as an individual.
- You means the individual accessing or using the Service.
Information We Collect
When you use this Service, we may collect the following:
- Contact information — name, email address, phone number
- Insurance-related details — state of residence, date of birth, health status, coverage preferences
- Technical data — IP address, browser type, pages visited, and time on site collected through analytics tools
We collect this information when you fill out a form, request a quote, call us, or otherwise contact us through this Service.
How We Use Your Information
We use the information we collect to:
- Provide insurance quotes and connect you with a licensed agent
- Follow up on your inquiry by phone, email, or text
- Comply with state and federal licensing and regulatory requirements
- Improve how this website works and what it offers
Information Sharing
We do not sell your personal information to data brokers or marketing lists. We may share your information with:
- Licensed insurance carriers, solely to generate quotes or place coverage on your behalf
- Regulatory authorities when required by law
- Service providers who support our operations — each bound by confidentiality agreements
Google Ads and Remarketing
We may use Google Ads or similar platforms to reach people who have previously visited this Service. If you submit your contact information through an ad, you consent to being contacted for insurance-service purposes under this Privacy Policy. You can opt out of Google's ad personalization at adssettings.google.com.
Cookies and Tracking
This Service uses cookies and similar tracking tools to understand how visitors use the site and to run advertising campaigns. You can disable cookies in your browser settings. Some features may not work correctly if you do.
Data Retention
We keep your personal information for as long as needed to fulfill the purposes described in this policy, or as required by applicable law. If you ask us to delete your information, we will do so unless we are legally required to retain it.
Your Rights
Depending on your state of residence, you may have the right to:
- Access the personal information we hold about you
- Correct inaccurate information
- Request deletion of your information, subject to legal retention obligations
- Opt out of marketing communications at any time
To exercise any of these rights, contact us using the details below.
Data Security
We use industry-standard security measures to protect your personal information. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security. We will notify you if a breach occurs that affects your information, as required by law.
Licensing and Coverage Disclosure
Life Insurance Coverage is licensed in 49 states and is not currently licensed in New York. Coverage availability, pricing, and underwriting decisions are determined by the issuing carrier and may vary based on age, health, location, and other factors.
Changes to This Policy
We may update this Privacy Policy from time to time. When we do, the "Last Updated" date at the top of this page will change. Continued use of this Service after an update means you accept the revised policy.
Contact Us
For privacy-related questions or to exercise your rights, contact Life Insurance Coverage at contact@lifeinsurancecoverage.co or call (888) 550-7159.