LifeVest’s Privacy Policy
For California residents, see our California Consumer Privacy Act Privacy Notice below.
At LifeVest, we are committed to protecting your privacy. We want to make sure you understand how we collect, protect, and share personal information when you interact with our website or purchase our products. This privacy policy describes the privacy practices of LifeVest Insurance Services LLC (“LifeVest,” “we”, “us” or “our”).
This policy may be modified by us at any time without notice to you. Please check this page regularly for updates.
How we use your personal data.
We use personal data when you apply for coverage or interact with our site.
When you request a quote, purchase insurance, or create an account, we may collect personal information, including: your name, contact information (email address, phone number, mailing address), birth day or age, date of birth, flight details (airline, flight number, date of travel), payment information (credit card number, billing address), and personal information about your beneficiary
We use personal data to improve your customer experience
We may collect and use your personal data if you choose to submit feedback to help us evaluate and improve your customer experience. Participation is completely voluntary and may require personal data like your name, address, and zip code. For example, with your consent, we may post your reviews on our website along with your name.
We may use your personal data for marketing and promotional purposes.
For example, we may use your information, such as your email address, to send you newsletters, special offers, surveys, promotions, or other information we think may interest you.
We also use your information to assist us in advertising on third-party websites and to evaluate the success of our advertising campaigns. Third-party cookies and other technologies are governed by their specific privacy policy, not this one.
We may also use personal data to improve our products and services and for other internal business purposes, including detecting security incidents, research and analytics, improving site functionality, performing services on your behalf or that you request, and fulfilling transactions
How we collect your personal data.
Information collected automatically from your devices.
We use cookies (small bits of electronic information) to improve your website experience by personalizing content, making it easy to log in to your account, and speeding up performance. Cookies automatically collect the following information about your use of our site:
Your domain name
Your browser type and operating system
Web pages you view
Links you click
Your IP address
The length of time you visit our site and/or use our services
The referring URL or the webpage that led you to our site
We also use cookies, session replay and other third party predictive analytic services and software to monitor and analyze your interactions with our site. We may combine this information with other information that we have collected about you
Information collected as part of the application.
If you get a quote or apply for a policy, we will collect information directly from you or with your authorization as described in the application. The types of information collected can vary including your birthdate, gender, age, zip code, and address and email address..
Third-Party analytics.
Our site may use services operated by third parties, such as Google Analytics, which uses cookies and similar technologies. This service may also collect information regarding the use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/, and you can opt out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.
Social Plugins.
We use social plugins like Meta, Facebook, Twitter, Instagram, or other social plugins on our sites. When you view a site that contains a plugin, your browser will create a direct link to the third parties’ servers. If you are logged into your social media account, the social media platform will record the visit to your social media account. Please visit the social media platform’s privacy policy for more information.
How we share your personal data
Service providers.
We may share your personal data with insurance carriers, third-party service providers or independent contractors to process payments, verify your identity, authenticate your signature, perform underwriting, and administer your policy, manage data, conduct research and analytics, and other similar purposes.
Agents and business partners.
We may receive your personal data from an insurance agent or business partner. In this case, we will share your information as necessary to provide you with the products and services that may be of interest to you.
Affiliates.
We may disclose the personal information we collect from you to our affiliates, contractors or subsidiaries; however, if we do so, their use and disclosure of your personal information will be subject to this privacy policy.
Business transfers.
We may transfer your personal information if we are acquired by or merged with another company, our assets are transferred to another company, or there is a bankruptcy proceeding.
In response to legal requests.
We also may disclose the information we collect from you in order to comply with the law, a judicial proceeding, court order, or other legal process, such as in response to a court order or a subpoena.
To protect us and others.
We also may disclose your information to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person, violations of our terms or this privacy policy, or as evidence in litigation in which we are involved.
Aggregated or de-identified information.
We may share aggregated or de-identified information about users with third parties for marketing, advertising, research, or any other purposes.
Opting Out.
We want you to have choices about how and when you do business with us. You can email us at info@lifevestinsurance.com to update your information or change your preferences. If you withdraw your consent, you may be unable to apply for or receive our insurance products and services. Please note that if you disable your account, we will keep your contact information on file and may retain other account information for a reasonable period of time for the purpose of internal account management, fraud prevention and as permitted bylaw.
Marketing emails.
If you no longer want to receive our marketing emails or other announcements, you may unsubscribe using the “unsubscribe” link at the bottom of our emails. Please note that you cannot unsubscribe from certain correspondence from us, such as operational messages relating directly to your account.
Cookies.
You can adjust the use of cookies for LifeVest or other third-party websites by updating your browser or device settings. Please be aware that you must update your preferences on each browser and each device.
Users in the United States may opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (DAA) Consumer Choice Page (optout.aboutads.info) for information about opting out of interest-based advertising and your choices. Opting out from one or more companies listed on the DAA Consumer Choice Page (optout.aboutads.info) will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our site or on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA site, your opt out may not be effective. Additional information is available on the DAA’s website at www.aboutads.info.
Automated calls.
You can opt out of receiving calls from automatic telephone dialing systems or prerecorded messages at any time. The Do Not Call Registry accepts registrations from both cell phones and landlines. To register by telephone, call 1-888-382-1222 (TTY: 1-866-290-4236) from the phone number you want to register or register online at donotcall.gov.
Other important privacy information.
Third-Party links.
Our site and services may contain links to third-party websites and we may work with third parties to offer you additional products or services. We do not directly share your information with these third parties, but when using any third-party links, features, or services, your data will be subject to their terms of use, terms of service, and privacy policy. We recommend you review these terms and policies as we are not responsible for their information practices.
Security.
We have implemented commercially reasonable precautions to protect the personal information we collect from loss, misuse, and unauthorized access, disclosure, and destruction. Please be aware that despite these measures, no data security measures can guarantee 100% security. You should take steps to protect against unauthorized access to your password, phone, and computer by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. Do not share your password with others. We are not responsible for any lost, stolen, shared, or compromised passwords or for any activity on your account via unauthorized password activity.
Children.
LifeVest’s site and services are not intended for use by children under the age of 13. If we learn that we have collected personal information from a child under 13 without parental or guardian consent as required by law, we will delete it
Questions?
If you have any questions about our privacy practices or this Privacy Policy, please contact us by email at info@lifevestinsurance.com.
This policy may change from time to time. Any changes will be posted to LifeVest’s website and effective when posted. Your use of LifeVest’s site or service after the effective date of the updated policy indicates your acceptance of that policy.
Last Updated: August 22, 2024
California Consumer Privacy Act (CCPA) Notice
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This notice describes how LifeVest Insurance Services LLC (“LifeVest,” “we”, “us” or “our”) collect, use, and disclose the Personal Information of California residents. “Personal Information” is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.
This notice and the rights described in it only apply to Personal Information that is subject to the CCPA. To understand how LifeVest handles all personal information, see our Privacy Policy.
What categories of Personal Information do we collect?
We collect data to do things like streamline the life insurance application process, verify your identity, improve your customer experience, and for recruiting and hiring. The categories of Personal Information we collect may vary. In the past 12 months, we’ve collected the following Personal Information relating to California residents:
Identifiers like name, address, and date of birth.
Commercial Information, such as products purchased.
Characteristics of protected classifications under California or federal law, such as sex and age.
Internet or network activity information like browsing history and website interactions.
Audio, electronic, or visual information, such as call recordings.
Professional Information or employment information, such as work history and prior employer.
Education Information, such as school and date of graduation.
Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.
From where do we collect your Personal Information?
The information we collect depends on business purposes and user relationships. We may collect personal information from:
Website interactions
California residents or affiliates directly
Operating Systems, platforms, and ISPs
Public records
Employment, consumer reporting, or credit agencies (for job applicants)
Employers (for job applicants)
Service providers
Other references
How do we use your Personal Information?
For information about how we use your Personal Information, see our Privacy Policy.
In addition, for prospective employees, we may use your Personal Information for recruiting, hiring, managing, and evaluating job applicants, including:
Scheduling and conducting interviews
Identifying Applicants, including by working with external recruiters
Reviewing, assessing and verifying information provided, to conduct criminal and background checks (where relevant and pursuant to applicable law), and to otherwise screen or evaluate Applicants’ qualifications, suitability and relevant characteristics
Extending offers, negotiating the terms of offers and assessing salary and compensation matters
Satisfying legal and regulatory obligations
Communicating with Applicants regarding their applications and about other similar position(s) for which they may be interested
Maintaining Applicant personal information for future consideration
Supporting our equal opportunity employment policy and practices
Do we sell your Personal Information?
We do not sell your personal information. We may share your Personal Information with our subsidiaries, affiliates, and service providers to:
Provide information about our products and services
Perform various business functions, such as data analytics, marketing and advertising, market research, mailings, recruiting and hiring, fraud prevention, and other IT and administrative support functions
The personal information disclosed may include Identifiers, Characteristics, Commercial information, Internet or network activity, Professional information, or Education information. We do not authorize our service providers to use or disclose this information except as necessary to perform services or functions on our behalf, or to comply with legal requirements.
What are your California Privacy Rights?
If you are a California resident, you may have certain rights regarding personal information covered by the CCPA; however, these rights are not absolute, and in certain cases, we may decline your request as permitted by law.
Right to know
You can request the following information from the past 12 months:
Categories of Personal Information we have collected and used.
Categories of sources from which we collected Personal Information.
Business or commercial purposes for collecting or sharing personal information.
Categories of third parties with whom we share Personal Information.
Whether we have disclosed your personal information for a business purpose, and if so, the categories of Personal Information received by each category of third party recipient.
Whether we’ve sold your Personal Information, and if so, the categories of Personal Information received by each category of third party recipient.
Right to access
You can request a copy of the Personal Information we have collected about you during the past 12 months.
Right to delete
You can ask us to delete the Personal Information we have collected from you.
Nondiscrimination
You are entitled to exercise the rights described above free from discrimination. This means that we will not penalize you for exercising your rights by taking actions such as denying you services; increasing the price or rate of services; decreasing service quality; or suggesting that we may penalize you as described above for exercising your rights.
How can you exercise your rights?
You may exercise your California privacy rights described above by:
calling us at (949) 229-2922.
We will need to confirm your identity by matching information you provide to us with the Personal Information we have about you to process your request to exercise your information, access, or deletion rights. We can’t process your request if you don’t provide us with sufficient detail to allow us to understand and respond to it. We will decline your request with respect to information that is subject to the Gramm-Leach-Bliley Act (GLBA) or other CCPA exemptions.
Changes to this California Consumer Privacy Act Notice
We may change or update this notice from time to time. When we do, we will post the revised Notice on our site with a new “Last Updated” date.
Effective Date: August 22, 2024
Last Updated: August 22, 2024