Our Commitment to You

This policy describes our privacy practices with respect to current and former customers. It will help you understand information we collect, and when and if we share it.

At TermSelect.com we recognize the importance of maintaining and protecting your privacy and the privacy of your personal information. The personal information you submit on our web site when you request a life insurance quote or apply for a life insurance policy, include your personal financial and health information, which are protected by federal privacy laws. The Federal Gramm-Leach-Bliley Act protects consumer financial information. The new federal and state HIPAA health laws protect your personal health information. We are also aware of widespread consumer concerns about identity theft and related privacy issues.

In light of these laws and your rightful concerns about your privacy, we have established this privacy policy to demonstrate our commitment to protect your privacy rights when you use our web site services to obtain a free term life insurance quote, then request and submit a life insurance policy application.

If you have questions or concerns regarding this statement, please contact us by e-mail at privacy@TermSelect.com
or by phone at 1-877-837-6347.

How We Use Any Personal Information You Submit on Our Website

Our web site provides you with term life insurance tools and information to assist you in obtaining quotes and applying for term life insurance. Most of all the tools and information are available for your benefit without the need to disclose any personally identifiable information. If you decide to request an application or quote for insurance, we require you to submit some personal information.

Your personal information that you submit through our TermSelect.com web site may include such information as your:

• Name, address, e-mail address, phone number;
• Credit record;
• Health information, such as medical records, lab results, prescription drug databases or other information about illness, disability or injury;
• Internet Cookies (cookies help our Internet application process - they do not store any personal data).

We collect personal data from many different sources, such as:

• From you in person, by telephone, or over the Internet;
• From agents or service providers, including service providers who conduct marketing service for us;
• Forms you submit to us for life insurance policy quotes and applications;
• Your transactions with us, such as premium payments, account balances;
• Credit agencies, to determine whether you are eligible or payment plan options; and
• Other data providers

We may disclose personal data we collect to:

• Insurers and broker-dealers affiliated with us;
• Insurance companies, agents, re-insurers or credit agencies that assist us with underwriting, processing; payments, or adjusting claims;
• Service providers used to maintain your policy, process your transaction or that assist us with underwriting; processing payments, or adjusting claims;
• Group policyholders for purpose of reporting claims experience;
• Service providers that perform marketing services for us; · Medical Laboratories;
• Medical Information and Motor Vehicle Bureaus or similar institutions;
• A court or governmental agency when there is a lawful request;
• Assist law enforcement and prevent criminal activity and/or fraud;
• As otherwise allowed by law.

We may share aggregated statistical information such as website traffic or demographic information with our business partners. In no case will your personally identifiable information be included in such aggregated information.

How We Use Your Personal Information

We use the information we gather from your insurance application request to begin the application process. A life insurance agency representative will contact you by telephone to obtain additional information necessary to complete your application, which is then be mailed to you for your review and signature.

We do not:

a) Share your personal health information with anyone without your written consent;
b) Share your credit information with anyone for any purpose;
c) Share your personal data with third parties to market products or services to you; or
d) Sell, trade, lease or rent any personally identifiable information to any other companies or organizations,

except as described and listed herein.

Some insurance companies may permit you to complete their entire application online. We protect any information we receive when you provide such information with your application the same way we protect all other personal information.

Finally, an insurance company examining service representative will contact you to schedule a medical examination. If you have any questions about how the insurance company you are applying to uses your personal information, you should contact that company directly.

Cookies

A cookie is a data stored on the your (user's) computer that is tied to information about the you, our web site "User". Our use of cookies is in not linked to any personally identifiable information you provide about yourself while visiting and using our TermLife.com web site. We use both session ID cookies and persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user's hard drive for an extended period of time. They are a marketing tool which enables us to track and target the interests of you, our Users, to enhance Users' experience on our site. Persistent cookies can be removed by following Internet browser help file directions. Users can reject the cookie and still use our TermSelect.com web site.

Notice of Changes to our Privacy Policy

Any changes to our Privacy Policy will be posted on this web site. All users of this TermSelect.com web site and our services should periodically check this posted Privacy Policy Statement for any changes or updates.

Correcting or Updating Your Personal Information

This site gives users the following options for changing and modifying any personal information about yourself that you have previously provided to us on this TermSelect.com web site. Please call us at 1-877-837-6347 or send an e-mail to us at privacy@TermSelect.com.

If you feel uncomfortable submitting any personal information to us on-line, through this website, you can, alternatively, call us toll-free at 1-877-837-6347 and request a life insurance application by phone.

Surveys

From time-to-time our site requests information from users via surveys. Participation in these surveys is completely voluntary, and the user has a choice whether or not to disclose this information. Information requested may include contact information (like name and mail address) and demographic information (such as zip code, age and gender). Survey information will be used solely for purposes of monitoring or improving use and satisfaction of this site.

Log Files

We use your computer's IP address to analyze trends, administer the site, track the users' movement, and gather broad demographic information (for aggregate use). Your IP address is never linked to your personally identifiable information.

Links to other Websites

This TermSelect.com web site may contain links to other sites that are not under our control. These websites have their own policies regarding privacy. TermSelect.com is not responsible for the privacy policies or practices, or the content of such other websites. For your own protection, you should review their privacy policies when visiting other sites to make sure they respect your privacy.

Your Right to Review and Correct Personal Data

You have a right to review your personal data. To do so please contact us by phone at 877-837-6347, or send us an e-mail at privacy@TermSelect.com.

Please include your name, address, telephone number, and policy number. Also, let us know what kind of information you want to see. We may charge a small fee to collect and send the information to you.

Correcting Errors

If you see any errors, let us know and we will review it. If we agree, we will correct our files. If we disagree, you may file a short statement of dispute with us. Your statement will be included with any information we disclose in the future. You can also request that we send it to anyone who received your information from us in the past two years.