Privacy Policy

Effective Date: 07/15/2025
Last Updated: 07/15/2025

Affordable Life Policies ("we," "our," or "us") respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, share, and protect your information when you use our website.

1. Information We Collect

We collect a range of personal, financial, medical, and lifestyle information necessary to provide accurate life insurance quotes and facilitate policy applications.

Personal Information:

• Full Name, Date of Birth, Gender

• Social Security Number (SSN) or ITIN

• Driver’s License Number

• Contact Information: Address, Phone Number, Email

• Marital Status and Number of Dependents
  
  

Financial Information:

• Annual Income, Savings, Investments, Debts, and Net Worth

• Existing Life Insurance Policies

• Future Financial Obligations (e.g., college tuition)

• Estimated Final Expenses
  
  

Health & Medical Information:

• Current Health Status and Medical History

• Prescription Medications

• Family Medical History

• Height, Weight, and BMI

• Lifestyle Habits (e.g., tobacco, alcohol, drug use)

• Participation in High-Risk Activities

• Medical Exam Results

• Physician Information
  
  

Lifestyle & Background:

• Occupation

• Driving Record

• Criminal Record

• Foreign Travel History

Beneficiary Information:

• Full Name and Relationship of Your Chosen Beneficiaries
  
  

2. How We Use Your Information

We use the information you provide to:

• Generate and deliver personalized life insurance quotes

• Assist with applications and policy underwriting

• Comply with legal and regulatory requirements

• Communicate with you about your policy, services, and updates

• Prevent fraud and verify your identity

• Analyze eligibility and premium rates
  
  

3. Sharing Your Information

We may share your information with trusted third parties, including:

• Licensed insurance providers and underwriters

• Partner agencies and brokers

• Legal and regulatory bodies as required by law

• Vendors who help us manage applications or provide services (e.g., document processing)

We do not sell your personal information to third-party marketers.

4. Use of Cookies and Tracking Technologies

We do not use cookies or third-party tools (like Google Analytics or Facebook Pixel) to track user behavior or collect browsing data. We may use digital tools to find potential clients through advertising platforms, but not to collect data from visitors.

5. Data Protection and Security

We use appropriate technical and administrative safeguards to protect your information, including secure data storage, encryption, and access controls. However, no method of transmission over the internet is 100% secure.

6. Your Rights and Choices

Depending on your location (e.g., California), you may have the right to:

• Access or correct the personal data we hold about you

• Request deletion of your information

• Opt-out of certain data uses

• Lodge complaints with a regulatory authority

To exercise these rights, please contact us at the information below.

7. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors.

8. Changes to This Privacy Policy

We may update this Privacy Policy at any time. When we do, we’ll revise the “Last Updated” date at the top of this page. We encourage you to review this policy periodically.