In recent years, 400,000 Americans have voted their trust in us by purchasing insurance through us on a private basis. We are dedicated to preserving your privacy and we have tough privacy standards. Try this: we will never give, sell, rent, lease or otherwise transfer your name (or information about you) to any person or entity other than the insurance company you are applying to (which may include outside paramedical firms and investigative agencies which are used in the normal course of insurance underwriting) and those third party firms that we may contract with to perform quote delivery and insurance fulfillment services for us. When you provide us with personal information such as your name, e-mail or phone numbers, we will consider that action as being your express invitation that we contact you about insurance even if you are registered on any state or federal "Do not Call" list. All calls are recorded at all times, so if we call you, the call will be recorded for the safety of both parties When you buy insurance from us, you will remain in control of your purchase decisions at all times. We're dedicated to making the insurance purchase process as private, fast, easy and secure as possible.

OUR PRIVACY POLICY
Required by the federal Gramm-Leach-Bliley Act and state privacy law
(State law will apply if it provides more protection to you than federal law.)

We are committed to keeping the non-public personal information (“NPI”) we collect confidential and secure. We want to let you know how we protect your privacy. Our Privacy Policy applies to potential, current and former customers.

How do we protect you

• We restrict access to NPI to our employees who need it for their jobs.
• We require anyone outside our corporate family (non affiliates) who perform services for us to conform to our privacy standards. We also require them not to use your NPI for any other purpose.
• We verify that any person asking for your NPI is entitled to it before we give it.
• We collect your health information only with your written authorization.
• We disclose your NPI only as permitted or required by law.
• We do not disclose your NPI to others for their own marketing purposes.
• We do not reveal your health, character, personal habits or reputation to anyone for marketing purposes.
• We maintain physical, electronic, and procedural safeguards to protect your NPI.

What information do we collect?

We need some NPI to determine if you are eligible for our products. Once a contract is issued, we typically only seek NPI when someone asks for more coverage or submits a claim. Some examples of what we may collect:

• Data you provide on applications (name, address, date of birth, Social Security number, income, beneficiary).
• Medical information from health care providers obtained with your authorization.
• Information about your policies with us or our affiliates (policy number, coverage, premium, payment history).
• As you have authorized: credit reports from consumer reporting agencies; driving records from the Bureau of Motor Vehicles; medical records from the Medical Information Bureau. (NPI obtained from insurance support organizations may be kept by them and disclosed to others.These organizations are outside of our control, and of this Privacy Notice.)

To whom do we disclose information?

We may share your NPI when you ask or authorize us to do so. We also use public Internet networks to e-mail NPI information to you, the insurance company and authorized outside investigative service agencies such as paramedic examiners companies as needed. Also, the law allows certain disclosures without your authorization. We may share some or all of your NPI with affiliates or non affiliates, as permitted or required by law. Examples of who we may share NPI with:

• Non affiliates under contract with us, such as paramedic examination, medical records facilities, and customer service vendors and other insurance agencies; affiliates that help us provide services or audit our operations.
• A consumer reporting agency to detect or prevent fraud.
• A regulatory, legal or government authority, for a compliance audit, information request or under a subpoena or court order.
• Affiliates or non affiliates that market our products. The parties we may share NPI with include life and health insurers, insurance agents, and marketing firms. The law does not allow you to opt out of these disclosures. We may share your name, address, product purchased, and policy number for these purposes.

What are your rights?

• You have the right to know what NPI we have collected about you; this does not apply to NPI that relates to an actual or possible claim or civil or criminal action. You may ask us in writing to correct any NPI you believe is not correct.
• You may ask us in writing for a list of those to whom we have disclosed your medical records within the past two years.
• If we wish to disclose your NPI for reasons not normally allowed by law, we will ask for your written authorization. If you give it to us, you may revoke it at any time. Revocation is subject to the rights of anyone who acted in reliance of your authorization before it was revoked.
• We may change our Privacy Policy from time to time. If we do, we will provide you with all the legal rights you are entitled to. This privacy notice supersedes all prior notices we may have provided to you.

How do you contact us?

You may write to us at the following address: Life Quotes, Inc.(SM), 850 N. Cass Avenue, Suite 102, Westmont, IL 60559