Privacy policy
Your privacy and the security of your information are important to us at Life Best Choice
The following Privacy Policy explains how we collect, protect, and handle personal information when you visit www.lifebestchoice.com
Please call us at 859-894-0021 if you have any questions or issues about our privacy policy.
Why do we collect information on visitors?
On this site, we collect visitor information for two reasons.
- Data is collected in order to deliver accurate, real-time life insurance quotes.
- Data is collected to begin the application request process or to start the application process of obtaining life insurance.
The only personally identifying information gathered on this site is information submitted voluntarily by you, the user.
To see user patterns, site usage information and aggregate user profiles are studied.
They are not utilized to track individual users’ usage patterns.
Request Form Insurance Quote
This website offers no-cost life insurance quotations.
We need to collect certain information in order to deliver accurate quotations.
State of residence, date of birth, gender, height, weight, desired coverage quantity, proposed insured’s health categorization, and tobacco usage are all factors to consider.
Other health information may be required for simplified-issue and guaranteed-issue life insurance estimates.
Based on the previously mentioned information, all life insurance firms have their own rate rules.
We must collect the information mentioned above in order to deliver accurate bids and pricing.
Insurance Application Request Form
This form signifies the start of the insurance buying process.
By submitting this form, you are requesting that a member of our staff contact you regarding your insurance purchase.
The information you provide in this form (name, mailing address, email address, and phone number) will only be used to contact you about your insurance purchase.
This information is not sold or given away by Life Best Choice.
Life Best Choice may share this information with life insurance companies in order to offer you, our client, with the best service and products possible.
Other health and lifestyle information is also requested, as is the case with the bulk of insurance applications.
This information does not need to be filled out online, but it must be provided throughout the application process.
Cookie
A cookie is a little bit of data that is saved on the computer of a user and is linked to information about that person.
None of the cookies used on this site are linked to personally identifiable information in any way.
Both session ID cookies and permanent cookies are used on this site.
When the user exits the browser, the session ID cookies expire.
Persistent cookies are little text files that stay on the user’s computer for a long time.
You can delete persistent cookies by following your browser’s “Help” instructions.
Cookies can be disabled at any moment by following your browser’s “Help” instructions.
Cookies collect information that is examined to determine the performance of our website.
Even if a user rejects our cookies, they can still use our site.
Files of Logs
Our server logs information such as the IP 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 when visitors enter and travel through the pages of our site.
The data is then analyzed.
Our goal is to have a better understanding of what our users want and to improve the quality of our site.
We look for patterns, determine the most and least popular pages, and compile broad demographic data.
None of the data we collect from our log files is shared with or sold to third parties.
We also don’t track individual users’ behavior or use these technologies to collect emails or personally identifiable information.
Client relationship management
Once a user has established a relationship with Life Best Choice through this website, the user may receive numerous forms of communication.
They are: (1) telephone contact; (2) email contact; (3) postal contact; and (4) fax contact.
All contact is made in order to assist our clients in applying for, purchasing, or receiving life insurance.
Only a Life Best Choice representative or our processing staff will contact you.
If you ever want us to stop communicating with you, simply let us know by email, phone, letter, or fax, and we will promptly remove you from our database.
Your choices
On the website lifebestchoice.com
This site is available to the general public without the need to provide any personally identifiable information.
By supplying your personally identifiable information to Life Best Choice on this site (as defined by the National Do Not Call Registry), you formally establish a relationship.
You are inviting, consenting to, and requesting communication and information from Life Best Choice or one of our carriers, affiliates, vendors, or partners, which may be sent to you online, via phone, fax, email, or mail.
As a result, you are forever waiving any claim (including claims under the Telemarketing Sales Rule) that we contacted you without your informed authorization.
If you request that we stop communicating with you at any time, we shall do so by adding you to our internal “Do Not Contact” list.
At any moment, you may unsubscribe from our email list by clicking the “unsubscribe” link at the bottom of any of our emails.
Alternatively, send the message “unsubscribe” as a reply.
Cookies
At any moment, you can disable cookies in your browser by following the instructions provided by your browser.
Personal Information Can Be Updated/Changed
Please contact us at 206-530-9584 if you would like to update or change any of the personal information we have on file for you.
Privacy policies for carriers, partners, vendors, and affiliates
Life Best Choice may share your personally identifiable information with insurance carriers, other partners, vendors, or affiliates in order to assist you with your insurance purchase.
Life Best Choice is not responsible for the privacy policies or practices of these third-party firms, nor for any data loss or breach caused by these third-party systems.
If you have any questions about these companies’ privacy policies, please contact them directly.
Anti-spam policy
Life Best Choice does not send unsolicited email.
Spam, often known as UCE (Unsolicited Commercial Email), is an effort to send an email to someone who has not requested it.
You have accepted to receive our information by requesting information from us or submitting your contact information on our website.
At any moment, you may unsubscribe from our email list by clicking the “unsubscribe” link at the bottom of any of our emails.
You may also unsubscribe by replying to the email with the phrase “unsubscribe” in the subject line.
Updates to the privacy policies
This Privacy Statement is subject to change at any time.
Life Best Choice is continuously on the lookout for new and better ways to keep our clients’ data protected.
As a result, this Privacy Statement may be revised to reflect those changes.
We recommend that you read this Privacy Statement each time you visit this site.
Disclaimer
This is a general disclosure statement and is not a contract. The information provided is a brief summary, not a complete description of the benefits, exclusions, limitations, reductions, termination provisions, or terms for keeping any insurance in force. The exact terms and conditions of coverage are governed by the individual policy issued. Life insurance policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. Your policy may also have reduction of benefits or acceleration of benefits, which are provisions that reduce or accelerate the death benefit in the event of a long-term illness or chronic condition. Please refer to the policy for complete details of coverage and for a full explanation of the terms and conditions of the policy. Life Best Choice does not provide financial, tax, or legal advice. This material is not intended to replace the advice of a licensed professional. If you have any questions, please contact Life Best Choice for a complete explanation of the coverage. Life Best Choice does not issue life insurance policies, but collect personal information that are submitted to insurance carriers who issue policies. Life Best Choice Agents may text or contact directly prospects upon receiving their personal information in our database.
Terms and Conditions
Agreement to Terms: By using the services provided by Life Best Choice, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the services.
Services: Life Best Choice provides life insurance services and offers a range of insurance products from different insurance companies. Life Best Choice acts as an intermediary between the customer and the insurance company and provides information, advice, and assistance in the selection of a suitable policy.
Eligibility: The services of Life Best Choice are available to individuals who meet the eligibility criteria of the insurance companies. Eligibility criteria may include age, medical history, and other factors.
Policy Information: Life Best Choice will provide information about the available insurance policies, but it is the customer’s responsibility to carefully read and understand the policy details, including the benefits, exclusions, limitations, and terms for keeping the policy in force.
Fees and Commission: Life Best Choice may receive a commission from the insurance company for the sale of life insurance policies. This commission is built into the premium of the policy and is disclosed in the policy information.
Limitation of Liability: Life Best Choice shall not be liable for any errors or omissions in the information provided or for any loss or damage arising from the use of the services.
Changes to Terms: Life Best Choice reserves the right to change these Terms and Conditions at any time without prior notice. Your continued use of the services after any changes have been made constitutes your acceptance of the new terms.
Governing Law: These Terms and Conditions shall be governed by and construed in accordance with the laws of the state where Life Best Choice is located.
By using the services provided by Life Best Choice, you acknowledge that you have read, understood, and agree to these Terms and Conditions.