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Life Insurance Coverage believes in protecting the personal information that you provide us. We have made safe computing and the protection of your privacy an important priority. we provides insurance quotes/estimates with minimal personal information. Except where mandated by the government and its regulatory bodies or the courts, the personal information that you share with us will not be shared with third parties without your prior consent.

Life Insurance Coverage has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions.

Security

Entering personal data on Life Insurance Coverage is not only easy but also safe. Life Insurance Coverage uses an Apache server with SSL (Secure Socket Layer) protocol, among the best Internet security software in the world, and Entrust.net certificates for securing the exchange of confidential data. This security technology encrypts the personal information that you send us (including things like names, addresses, emails and telephone numbers), so it cannot be read by anyone as it travels over the Internet. We will evaluate and adopt new security technology as it becomes available.

You can find out when the secure SSL connection is activated by looking for the key or padlock icon in the lower corner of your browser window. If the key becomes whole, or the padlock becomes closed, this indicates that the browser is now in "secure" mode.

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Cookies

Cookies are small pieces of information stored on your hard drive. The only personal information that a cookie can contain is information supplied by the visitor and the cookies we use cannot read data off of our visitor's hard disk or read cookie files created by other websites.

Cookie technology can save you time by eliminating the need to re-enter frequently requested information. Cookies also give us capability to understand how visitors use our site. We use this information to optimize our website and improve the visitor experience.

We use both session ID and persistent cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. If you choose to tick the box indicating you would like to be remembered, a persistent cookie is set so you don't have to reenter your login information more than once. If you later decide that you would no longer like to be 'remembered', the cookie will be removed when you log off. You can also remove persistent cookies by following directions provided in your Internet browser's "help" file. Please note that you have the option to set your browser to decline our cookies. If you choose not to receive cookies from Life Insurance Coverage, you may not be able to use all the services available on the site. These cookies are not tied to your personally identifiable information.

Collecting information

We gather and store data about online usage on a collective rather than individual basis. For example, like most websites, we gather aggregate information about the number of visitors that visit our website and the pages that they view, NOT what pages were viewed by each individual. We use this information to anticipate bottlenecks, to gauge the capacity of our servers, and to improve the overall management of our website.

Collecting personal identifiable information

In some provinces, Life Insurance Coverage offers visitors the option of personalized quotes and gathers personal information as part of this process. Depending on the province, this may include obtaining your credit score from a credit reporting agency, or require you to provide details regarding your credit history. This information, along with the other details you enter will be used to provide you with a personalized offer and to determine the payment options that will be available to you.

Communication of personal identifiable information

At various points on the Life Insurance Coverage website and when visitors contact Life Insurance Coverage, visitors may be asked if they consent to sharing their personal information with 3rd parties. If they agree, Life Insurance Coverage provides one or more 3rd parties with their personal information for the purposes of either preparing or validating an insurance quote or providing marketing services as explicitly requested by the visitor.

Email

By submitting your question, comment or suggestion online the information you provide becomes the property of Life Insurance Coverage. Where necessary, we may share the information you provide in your email with 3rd parties in order to address your question, comments or concerns. The content of your email may be used for any purpose and Life Insurance Coverage is free to use any idea contained in it for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.

We will use the email address you provide us to send you copies of the quotes you have requested to obtain a copy for your records.

Policy holder information

If you apply online for coverage or purchase a policy online through Life Insurance Coverage, additional information is needed to process your request. This information may include your first and last name, email address, and dwelling address; your telephone number, , employer name and credit card number or bank account information. We may also need to obtain your credit score from a credit reporting agency, or require you to provide details regarding your credit history. This information, along with the other details you have provided will only be used to fulfill services you specifically request. They will not be used for any other reason.

We forward this information to the insurance company who will be reviewing your application or underwriting your policy. If you agree to purchase a policy from the insurance company, it may use your personal information for the purpose of fulfilling the requested insurance transaction and for future contact in accordance with the terms and conditions of its own privacy policy.

Framing

Some of our content is served on other pages using framing techniques to serve and provide our content and services on our partner's sites while preserving the look and feel of their site. Please be aware that you are providing your personal information to Life Insurance Coverage for the services you are requesting and the use of your personal information is governed by this privacy policy.

Our select partners may also offer you the opportunity to opt-in to receiving information regarding their products and services. If you choose to receive these communications the information you provide is governed by their privacy policy.

Service providers

In some cases, we use third parties to provide the online quotes you receive on our site. The only information shared with the third party is the information required to provide you with an accurate quote. Depending on the type of quote you are seeking, this information may be comprised of one or more of the following: your age, gender, marital status, smoking status, driving, and insurance history. This information is only shared as necessary for the third party to provide you with an accurate quote.

These third parties are prohibited from using your personally identifiable information for any other purpose.

Life Insurance Coverage contains links to other websites. For example, you may find links to the suppliers featured in our comparison service or links to our affiliated brokerages. We do not exchange any information with these third-party sites if you click on them. If you do decide to click on one of these links, we encourage you to read the privacy statements of these linked sites as their policies may differ from ours.

Opting out

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for certain purposes. For example, in some provinces we may ask your permission to obtain your credit score from a credit reporting agency, or ask you to provide details regarding your credit history. This information, along with the other details you enter will be used to provide you with a personalized offer and to determine the payment options that will be available to you. You can opt to not provide us with this permission and still get quotes.

You will be notified when your personal information is collected by any third party that is not our one of our service providers, so you can make an informed choice as to whether or not to share your information with that party.

Public Forums

Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us through our online form. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Notification of changes

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email or by means of a notice on our homepage.

Legal disclaimer

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.

In the event Life Insurance Coverage goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

If you have any concerns

We are committed to providing excellent service to you. However, if you have a concern or complaint, please contact us, because we are also committed to working with you to achieve a resolution and following through to a successful conclusion as quickly as possible. In most cases, complaints are resolved simply by discussing it with us. You should be able to get swift results by:

RBC Insurance Manulife Financial Sun Life Financial Canada Standard Life Great West Life Desjardins Empire Life

Paul Neave{ Edmonton AB }

Your Service is Excellent. I must say you provide all the information that I need and that too so easily and quickly . Thank you so much....

Joey Groh{ Sarnia ON }

"Just wanted to say that When I used your service and went with one of the quotes - It Helped me saving me nearly $700.00 per year on my premium. This is a great service which I will use again."

Andy Law{ Toronto ON }

"This site is really Awesome! I was able to find a very competitive quote and it was all because of your site! I will definitely recommend your business to others. Thank you very much!"