Privacy Policy

by Jeff Rose

Also read our Disclaimer page

The privacy of our visitors to Term Life Insurance By Jeff is important to us. At Term Life Insurance By Jeff, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use visit Term Life Insurance By Jeff, and how we safeguard your information. We never sell your personal information to third parties.

Security

Term Life Insurance By Jeff, a part of the Alliance Wealth Management, is an accredited member of the BBB Online Reliability Program. Our website uses Verisign’s SSL (Secure Sockets Layer) Certificate to encrypt and protect all personal information submitted through this our online forms. It is suggested that you use a browser that supports SSL and that the encryption feature of your browser is not disabled when you submit information online (we recommend Firefox, Safari, Opera, or Chrome). In addition to SSL, we also use firewalls to secure all data stored on our servers, which includes any personally identifiable information you have submitted on this site.

If you feel more comfortable submitting your information by phone, please call us at 866-267-2591.

Why We Collect Visitor Information

There are four reasons why we collect visitor information on this site. (1) Information is collected to provide real-time, accurate life insurance quotes. (2) Information is collected to initiate the application request process and/or to begin the purchase of life insurance. (3) Information is collected regarding your use of this site in an effort to make this site better for our users. (4) Information is collected regarding your general geographic location, the site that referred you to this site, and hardware and software used to view this site in an effort to optimize our marketing efforts.

The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and are not used to track the usage patterns of individual users.

What Information We Collect and How We Use It

Insurance Quote Request Form

This site provides insurance quotes free of charge to our visitors. To provide accurate insurance quotes, certain information must be collected, including state of residence, date of birth, gender, height, weight, coverage amount desired, term period desired (in the case of term life insurance), health classification of the proposed insured, and tobacco use. For simplified issue and guaranteed issue life insurance quotes, other health information may also be required.

All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates from these carriers, the information mentioned above must be collected.

Insurance Application Request Form

This form represents the initiation of the insurance purchasing process. By filling out this form, you are requesting contact by a member of our staff regarding your purchase of insurance. The information collected on this form (name, mailing address, email, and phone numbers) will be used only to contact you regarding your purchase of insurance. Wholesale does not sell or give away this information. Wholesale may share this information with carriers, affiliates, vendors, and partners (such as life insurance carriers) in an effort to provide the best service and products to our clients.

This form also requests other health and lifestyle information that is required on the majority of insurance applications. You do not need to fill out this information online, but you will need to provide it at some point during the application process.

Log Files

As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons

We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on Life Insurance By Jeff to support our site. Some of these advertisers may use technology such as cookies, DART cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. Use of cookies is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites). The use of DART cookies enables advertisers such as Google Adsense to serve ads based on your visit and your visits to other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.

You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

How We Communicate With Our Clients

Once a user has initiated a relationship with Life Insurance By Jeff through this site, various forms of communication may ensue. They include (1) contact by telephone; (2) contact by email; (3) contact by mail; (4) contact by fax; (5) contact by SMS text. All contact is to help our clients apply for, purchase, and/or get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.). Contact may come from Wholesale or any one of its carriers, affiliates, vendors, or partners.

If at any time you desire that we cease contact with you, please send a letter detailing your request to the following address:

Alliance Wealth Management, LLC
115 S. Washington Rd.
Carbondale, IL 62901

Your Personal Information Options

On LifeInsurancebyJeff.com

This site is open to public use without providing any personally identifiable information.

By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with Life Insurance By Jeff and are inviting, consenting to, and requesting contact and information from Life Insurance By Jeff, which may be provided to you online, by phone, fax, email, or mail by Wholesale or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners, contacted you without your express consent.

If at any time you desire that we cease contact with you, we will honor your request to place you on our internal “Do Not Contact” list.

Email

You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails.

Cookies

You may disable cookies on your browser at any time by following the method prescribed to you by your browser.

Update/Change Personal Information

If you would like to update or change the personal information we have on file for you, please contact us at 866-267-2591.

Carrier, Partner, Vendor, and Affiliate Privacy Policies

Life Insurance By Jeff may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in your purchase of insurance. Life Insurance By Jeff is not liable or responsible for these third-party company’s privacy policies or procedures, or any loss or breach of data through these third-party systems. Please contact these individual organizations with questions regarding their Privacy Policies.

Website Areas Beyond Life Insurance By Jeff’s Control

Public Forums

The site may include interactive forums such as message boards and chat rooms. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Third Party Websites

The site may contain links to other websites. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.

Spam Policy

Life Insurance By Jeff does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. If you receive an email from Life Insurance By Jeff it is because (1) you expressly shared your email address with us for the purpose of receiving information in the future (also known as “opt-in”), or (2) you have purchased from us or have a current relationship with us.

By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information.

You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails.

Privacy Policy Updates

This Privacy Policy may be updated at any time. Life Insurance By Jeff is always looking for new and safer ways to protect our client’s information. Consequently, this Privacy Policy may be updated to reflect those changes. It is suggested that you review this Privacy Policy each time you use this site.

Contacting Us

If you have any questions regarding this document, our procedures and policies, this site, or your relationship with us, please contact us at the address below.

Alliance Wealth Management, LLC
115 S. Washington Rd.
Carbondale, IL 62901
Email us