Update August 11, 2020
Uslifeinsuranceguru.com (hereafter called or referred to as 「Our,」 「We,」 or 「Us) may receive monetary compensation through our affiliates for life insurance products offered, mentioned or not, from this website. This, in no regard, will direct, influence or sway our opinions on the insurance companies or their products, and are expressly the opinions of the author(s), writer(s), researcher(s), or otherwise. Our editorial guidelines and methodology for all rankings are our own, and are strictly upheld.
Our foremost goal is to ensure every user has the knowledge, the education, and the resources to make an informed purchase for their life insurance, and the ability to compare and contrast as many aspects of their purchase as possible, including price.
We do our best to supply accurate representations, up-to-date and accurate numbers, where provided, and to fairly uphold industry and professional standards in every way possible.
To ensure our own transparency is as clear as glass, we may receive compensation in one or several forms from any of the following partners:
- Consumers Advocate
- Humming Life
- Haven Life
- Ladder Life
- Banner Life
We will do our best to update the list as we gain additional partners.
We are not responsible for any partners, their agents or personnel, websites, or materials, and suggest you always check with your State Insurance Department or State Insurance Commissioners before making any purchases.
Some partners may find it beneficial to offer additional products or services to customers; we are, in no way, compensated for any additional products or sales.
Updated December 31, 2019
[email protected] to compliant with CalOPPA: California Online Privacy Protection Act and General Data Protection Regulation(GDPR)——-
This privacy notice discloses the privacy practices for https://www.uslifeinsuranceguru.com. This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following:
- What information we collect;
- With whom it is shared;
- How it can be corrected;
- How it is secured;
- How policy changes will be communicated; and
- How to address concerns over misuse of personal data.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g., to ship an order.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number provided on our website:
- See what data we have about you, if any.
- Change/correct any data we have about you.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data
In order to use this website, a user must first complete the registration form. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.
We request information from you on our order form. To buy from us, you must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we’ll use this information to contact you.
We share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.
We use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes beyond filling your order.
We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (e.g. billing or customer service) are granted access to personally identifiable information. The computers/servers on which we store personally identifiable information are kept in a secure environment.
We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance their experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Surveys & Contests
From time-to-time our site requests information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
Notification of Changes
Whenever material changes are made to the privacy notice specify how you will notify consumers.
Other Provisions as Required by Law
Numerous other provisions and/or practices may be required as a result of laws, international treaties, or industry practices. It is up to you to determine what additional practices must be followed and/or what additional disclosures are required. Please take special notice of the California Online Privacy Protection Act (CalOPPA), which is frequently amended and now includes a disclosure requirement for 「Do Not Track」 signals.
Like many other Web sites, https://www.uslifeinsuranceguru.com makes use of log files. These files merely logs visitors to the site – usually a standard procedure for hosting companies and a part of hosting services』s analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user』s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
DoubleClick DART Cookie
→ Google』s use of the DART cookie enables it to serve ads to our site』s visitors based upon their visit to https://www.uslifeinsuranceguru.com and other sites on the Internet.
Our Advertising Partners
https://www.uslifeinsuranceguru.com has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers』 respective websites.
We believe it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to observe, participate in and/or monitor and guide their online activity. https://www.uslifeinsuranceguru.com does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that https://www.uslifeinsuranceguru.com has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.