Privacy Policy

Welcome to www.policyexpertslv.com (the “Site”)! The Site is owned and operated by Policyexpertslv (“Policyexpertslv” “we,” “us,” or “our”). This privacy policy (this “Privacy Policy”) describes the information that we collect from you when you use our Site or our Services and what we do with this information. By accessing or using the Site or any of the Services, you hereby agree to the terms of this Privacy Policy and the Terms of Use governing your use of the Site and the Services, into which this Privacy Policy is incorporated by reference. If you do not agree with this Privacy Policy or the Terms of Use, then please do not use the Site or the Services. Capitalized terms that are used in this Privacy Policy but not defined shall have the meanings ascribed to them in the Terms of Use.

What information is gathered and how is it used?

The questions we ask on our site are used only to determine which insurance companies and products best match your unique needs. Each insurance company bases its final prices on its own criteria. To more accurately match you with the best company, product and policy for your needs, we gather some general health, lifestyle, family history, and contact information on our site. A licensed representative will then review your submission and, if necessary, either call or email you to clarify any outstanding issues and provide you with the information you request.

From time to time, we may contact you with information concerning various insurance products that we believe might be of interest to you. Of course, you should only feel comfortable providing this information to a trusted name with a verified commitment to your privacy and security. As America’s number one independent term life sales agency, PolicyExpertsLV has helped hundreds of thousands of people get the coverage they need – quickly and privately.

When does PolicyExpertsLV provide my personal information to insurance companies?

Only when you explicitly authorize us to begin the application process for the policy and carrier you choose. Even then, you will receive the formal paperwork to review (and correct, if necessary) and sign before any information will be released to the carrier of your choice.

How will the insurance companies use my information once I authorize its release?

Any personal information gathered by PolicyExpertsLV is used only for the process of qualifying you for insurance products. Where permitted by law, your information may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with the disclosures and releases that you must review and sign. These authorizations are included with your application.

How do we use your information?

We use your Information to:

  • Provide the Services;
  • Help underwrite and provide accurate insurance premium rate quotes;
  • Provide insurers with the required information for applications;
  • provide or offer other financial and consumer products and services from partners with whom we have entered into a joint marketing agreement;
  • Provide, maintain and improve customer service;
  • Tailor your experience with the Services to your interests;
  • Develop and improve the Site and the Services;
  • respond to your inquiries; and communicate with you regarding the insurance products that you purchased through the Site as well as other products and services that may be of interest to you.

What information do we share with third parties?

We may share your Information with insurance carriers offering the third- party insurance products made available to you through the Services if you are applying for coverage. We may use third party vendors to assist us with the Service (“Third Party Vendors”). Some examples of the assistance that may be provided by third party service providers are: monitoring and analyzing Site activity, operations and marketing assistance, hosting the Site, and maintaining our database. It is possible that some of these service providers will be located outside of the United States. We may share your Information with these Third Party Vendors but only as necessary for them to perform their functions and to the extent permitted by law. Use of your Information by these Third Party Vendors is governed by their own privacy policies and procedures and not by this Privacy Policy.

Children

We do not knowingly collect Personal Information from children under the age of 13. If you are under 13, please do not give us any Personal Information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce this Privacy Policy by instructing their children to never provide Personal Information through Internet without their permission. If you have reason to believe that a child under the age of 13 has provided Personal Information to us, please contact us, and we will endeavor to delete that information from our databases.

Questions or Concerns

If you have additional questions or would like more information regarding our information collection, use of disclosure practices, please feel free to contact us Info@policyexpertslv.com