Privacy Policy

We reserve the right to modify or amend this privacy policy at any time and for any reason. The modified or amended privacy policy will be posted to our website. Last revised 05/20/2024.

In general, you can visit Lincoln Heritage Life Insurance Company on the internet without telling us who you are or revealing any information about yourself. Our web servers collect the IP addresses, not the e-mail addresses of visitors. This information is gathered to measure the number of visits, pages viewed, etc. Like many websites, we use “cookies” to deliver more relevant product messages based on pages viewed while visiting our site or other preferences you make known during your visit. Please refer to the following “How we use ‘cookies’” section for information about cookies and how we use them.

We use this information to help us create a better experience for our website users. There are times, however, when we may need information from you to respond to your inquiry or allow you to access specific account information. We collect no more personal information than is necessary to provide superior service.

HOW WE USE “COOKIES”

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information about your visit.

We primarily use cookies to help us understand your preferences based on previous or current site activity, which enables us to provide you with an improved content experience. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We may contract with third-party service providers to assist us in better understanding our site visitors so that we can improve or customize our website experience for a single user or for all users in general and to serve additional information outside of our website. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business and provide you with a more customized content experience.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer, Google Chrome, or Firefox) settings. Each browser is a little different, so look at your browser Help menu to learn the correct way to modify how your browser manages cookies. If you turn cookies off, you will still be able to gather the information you need and have a typical website experience when visiting us, but we will not be able to serve content to you based on your activity.

This cookie management strategy is global in nature meaning that all cookies from all sources are managed the same way. You may also choose to manage cookies from various sources in unique ways. Sometimes, our third-party service providers require that we provide our site visitors who do not use global cookie management strategies the opportunity to use their cookie management options. When this is the case, we will post links to their policies and procedures in this section of our privacy policy.

Google Analytics Opt-Out – https://tools.google.com/dlpage/gaoptout/

Network Advertising Initiative Opt-Out – http://www.networkadvertising.org/choices/

There are times, however, when we may need information from you to respond to your inquiry or allow you to access specific account information. Typically, this may include name, email address, mailing address and phone number but could also include answers to qualifying questions, credit card information and social security numbers. Our goal is to collect no more personal information than is necessary to provide superior service.

HOW WE USE YOUR EMAIL ADDRESS

Outside of normal business-related communication, we may ask site visitors to opt-in to receive e-mail newsletters, new product announcements or other messages designed to make them aware of other opportunities that may be of interest. If you opt in to receive these emails, we may send you periodic e-mails or direct mail as we deem appropriate. If you would no longer like to receive email messages from us, you can opt out at any time by following the instructions that will be included within the email we send. We will record your opt-out preferences as soon as we receive them but please note that due to email production schedules you might receive emails already in production at the time you opt-out.

YOUR PRIVACY IS OUR CONCERN

Lincoln Heritage Life Insurance Company recognizes the confidentiality expectations of our applicants, policyholders, and beneficiaries. When you apply for insurance or file a claim, you disclose a certain amount of information about yourself to us. We believe it is important you know how we treat the information about you we receive.

OUR PROMISE TO YOU

We will not sell personal information to third parties.
We will collect only information necessary or relevant to our business.
We will use only legitimate means to collect information.
We will only make personal information available:

• to regulatory or other government authorities
• as authorized by you
• as otherwise permitted by law

We restrict access to nonpublic personal information to those associates who need to know to provide you with excellent customer service.

Lincoln Heritage Life Insurance Company trains our associates on the importance of confidentiality of personal information and how to take appropriate and required measures to fulfill privacy responsibilities.

INFORMATION COLLECTION

We collect nonpublic personal information about you from:

• Applications or other insurance forms you complete.
• Your business dealings with us.
• Information we receive from medical, or health care providers as authorized by you.
• Information provided when you report or file a claim.

 

INFORMATION USE AND DISCLOSURE

We may disclose information we collect as permitted by law to the following persons or organizations:

• Companies with whom we contract to perform marketing and support services on our behalf, such as data processors and printing companies.
• Our licensed insurance agents who may offer our insurance products, assist with policyholder service, survey customer satisfaction, or perform other duties related to their licensure as an insurance agent.
• Regulatory and other government authorities. Examples include responses to a court order or a regulatory demand.

Companies with whom we share information are required to maintain the confidentiality of that information and to use it solely for the purpose for which it is disclosed.

We may disclose the following types of personal information as allowed by law:

• Information we receive from you on applications or other insurance paperwork, such as your name, address, social security number and age.
• Information about your transactions with us, such as your policy coverage, premiums, and payment history.

MEDICAL INFORMATION

We may collect medical information to provide you with a product or to process a claim. We do not use or share this information for any other purpose than as required or permitted by law or as otherwise authorized by you.

INFORMATION ACCESS AND CORRECTION

You have the right to review and request correction of the personal information we have recorded about you. To do this, write to us at:

Lincoln Heritage Life Insurance Co.

Consumer Privacy
PO Box 29045
Phoenix, AZ 85038

INFORMATION CONFIDENTIALITY AND SECURITY

We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information. Third parties who have access to personal information must agree to use it only to perform the services agreed upon and to comply with all applicable federal and state laws.

If you feel uncomfortable providing personal information over the internet, you can always submit it to the address or telephone number provided.

If you have any questions or concerns about privacy, our information practices, secure web servers or the confidentiality of personal data transmissions over the internet, email us at: privacy@lhlic.com or write us at:

Lincoln Heritage Life Insurance Co.

Privacy and Security Inquiries

PO Box 29045
Phoenix, AZ 85038

TERMS OF USE

Use of this website is only permitted for the following, private, non-commercial purposes: (i) viewing this website; (ii) requesting a premium quote or additional information; (iii) corresponding with our corporate office on Lincoln Heritage business matters or life insurance; (iv) accessing or submitting policy forms; (v) submitting a data access request (vi) transferring to other websites through links provided on this website; and (vii) making use of other facilities that may be provided on the website.

The use of automated systems or software to extract data from this website for commercial purposes, (‘screen scraping’) is prohibited unless the third-party has received express written authorization from an officer of Lincoln Heritage Life, permitting access to and use of the intellectual property contained on this site.

CALIFORNIA RESIDENTS

This notice also explains your rights regarding your personal information and how you can exercise those rights under California law. It describes our practices regarding the collection, use, disclosure, sale, sharing, and retention of personal information we collect from you and have collected from California consumers in the past 12 months.

Personal information identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you as an individual or your household. Personal information includes, for example, information collected directly from you or personal information that you voluntarily provide, such as information you provide in response to an advertisement or survey, or to do business with us.

We may also collect or receive personal information about you through or from our business partners; service providers; marketing partners; and other third parties that provide services for us or for you, or to market our products and services to you.

Sensitive personal information is a subset of personal information that reveals certain financial, health, geolocation, racial, ethnic, biometric, and sexual orientation information about a California Consumer. If a business collects this type of information but uses or discloses it to provide you goods and services you requested or for certain business purposes described in the CPRA, this information is considered personal information, not sensitive personal information.

Under the CPRA and the consumer rights described below, personal information does not include:

• Publicly available information, such as information from government records, information made available to the general public, or unrestricted information you have disclosed or made available.
• De-identified or aggregated consumer information we maintain in deidentified form and do not attempt to reidentify except as required or permitted by law.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA).
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FRCA”), the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994.

We separately provide notices required under other state and federal laws, such as GLBA, in connection with products and services subject to those laws.

Personal Information Practices: We may collect, use, and/or disclose, and in the past 12 months we have collected, used, and/or disclosed, information under the following categories or types of personal information and sensitive personal information:

Identifiers. This category may include real name, alias, postal address, unique personal identifier, cookies and pseudonymous identification number, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, user identification number, or other similar identifiers.

Personal information. This category may include name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number and information, credit card number, debit card number, income, tax, ACH, or any other financial information, health history, tests, and other medical information, policy and other health insurance information, health expense preferences, or date of birth.

Characteristics of protected classifications. This category may include age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Internet or other similar network activity. This category may include browsing history, search history, or information on a consumer’s interaction with a website, application, or advertisement.

Audio, electronic, or similar information. This category may include audio, electronic, or similar information, such as call recordings and the content of agent emails where Lincoln Heritage is not the intended recipient.

Business purposes: We may collect, use, and/or disclose, and in the past 12 months we have collected, used, and/or disclosed, personal information for the following business purposes:

A purpose you direct. You direct us to collect, use, and/or disclose your personal information.

Marketing to you. For example, this may include determining what products and services you may be interested in; marketing products and services to you; providing insurance product quote information; and screening for insurance product eligibility and suitability.

Enhancing your experience with us on our website. For example, this may include identifying website visits, ad interaction, and search history; recommending insurance products based on preferences; delivering jurisdiction-specific website content.

Marketing enhancement. For example, this may include conducting data analytics; reporting lead conversions; optimizing online searching and identifying consumer product interest.

Legal and regulatory compliance. For example, this may include complying with applicable laws, regulations, and oversight obligations; for quality assurance; for internal and external audits and investigations; engaging with law enforcement and other governmental bodies; for litigation; for compliance with policies and procedures, contracts, and oversight obligations; and enforcing contractual obligations and exercising contractual rights.

Our internal purposes. For example, this may include conducting, managing, maintaining, and improving our products and services; business operations and processes; security and privacy practices, which may include, but not be limited to detecting, investigating, and resolving potential vulnerabilities, data security, or privacy incidents; quality assurance; business continuity; systems, networks, applications, and databases, which may include, but not be limited to preventing, finding, and resolving software, hardware, or application bugs and issues.

Sources and recipients of personal information: We may collect your personal information from and/or disclose your information to, and in the past 12 months we have collected from or disclosed your personal information to, one or more of the following parties:

You.

Data providers. This may include relationship management providers; data/lead aggregators; web, call tracking, marketing, and other data analytics providers, market researchers, credit reporting agencies, consumer insight platform organizations, and similar vendors.

Digital marketing providers. This may include social media and other online advertising/marketing providers, brand managers, marketing brokers, digital advertising publishers, and similar vendors.

Marketing providers. This may include our call centers, multi-channel marketers, advertising publishers, marketing print and distribution providers, and similar vendors.

Agents. This may include our sales agents, producers, marketers, and other similar business partners.

Technology providers. This may include communication compliance providers, security vendors, electronic document management vendors, and similar entities.

Government entities. This may include regulatory agencies, law enforcement entities, and similar parties.

Consumers whose personal information we collect, use, and disclose: We collect personal information from several types of California consumers, including persons who may receive information about products or services (“Leads/Prospects”); prospective recruits; agents and other similar business partners; and representatives of other businesses we work with. The type of personal information we may collect, the sources of that personal information, our purposes for collecting, using, and disclosing that personal information, and other factors vary depending on the type of California consumer you are.

Why we collect your personal information: We may collect and/or use your personal information for various business purposes, such as, for a purpose you direct; marketing to you; enhancing your experience with us on our website; marketing enhancement; for our own internal purposes; and for legal and regulatory compliance.

What personal information we collect: To accomplish these business purposes and depending on the nature of our specific relationship with you, we may collect identifiers; personal information; characteristics of protected classifications under California or federal law; commercial information; internet or other similar network activity; inferences drawn from other personal information; audio, electronic, or similar information.

How we collect your personal information: We may collect this personal information from you if you use certain services available on our sites or voluntarily provide it to us; data providers; marketing providers; digital marketing providers; and other service providers, contractors and/or third parties.

Personal information we sell: Lincoln Heritage does not sell or share your personal information with third parties (including the personal information of minors).

Personal information we disclose for a business purpose:

• We disclose certain personal information for various business purposes, such as marketing to you; enhancing your experience with us on our website; marketing enhancement; for our own internal purposes; and for legal and regulatory compliance. We may also disclose personal information we collect for one or more business purposes described in our online privacy policy.
• Personal information we disclose for these business purposes includes identifiers; personal information; or characteristics of protected classifications under California or federal law.
• We disclose this information to our licensed agents, data providers, marketing providers, and other service providers, contractors and/or third parties.

Retention of personal information: We will retain your personal information and sensitive personal information that we collect and maintain for as long as is reasonably necessary to fulfill the purposes for which it was collected. In doing so, we will consider the type of products and services requested by or provided to you, the nature and length of our relationship with you or the business entity you are associated with, and mandatory retention periods under applicable law. We will also retain your information, including after your relationship with us ends, as long as necessary to enforce or comply with our legal or contractual rights and obligations, to resolve disputes and defend claims, and to reserve our legal rights.

YOUR PRIVACY RIGHTS:

Right to know The right to request that we disclose certain information to you about our collection and use of your personal information including:

• The categories of personal information collected.
• The categories of sources of personal information collected.
• Our purposes for collecting, sharing, or selling your personal information.
• The categories of personal information disclosed for a business purpose, if any, and the categories of persons to whom the personal information was disclosed.
• The specific pieces of personal information we collected about you.
• The categories of personal information we shared for targeted marketing purposes, if any, and the categories of third parties to whom the personal information was disclosed for that purpose; and
• The categories of personal information we sold, if any, and the categories of third parties to whom the personal information was sold.

Right to delete The right to request that we delete any of your personal information collected from you and retained by us. Some legal limitations and exceptions may apply.

Right to correct The right to request we correct inaccurate personal information that we maintain about you. Alternatively, we may delete the inaccurate personal information if doing so does not negatively impact you, or if you consent.

Opt-Out rights The right to request we opt you out of selling and sharing your personal information. Lincoln Heritage does not sell or share your personal information.

Disclosure rights We do not disclose sensitive personal information for purposes other than those specified in section 7027(m) of the California Consumer Privacy Act Regulations.

• To provide you with the services or goods you requested.
• To ensure security and integrity of your information.
• To prevent, detect, and investigate security incidents that affect your information.
• To avoid illegal actions against us and prosecute responsible parties.
• To ensure the physical safety of persons.
• To advertise to you during your visit to the websites linking to this policy and other short-term uses, where your information is not disclosed to a third party or used to affect your web experience or build a consumer profile.
• To collect or process sensitive personal information for purposes other than inferring characteristics about you.
• To maintain/service accounts, provide customer service, process payments, provide analytics, complete transactions, and perform other services on behalf of Lincoln Heritage; or
• To verify and maintain the quality or safety of, or to improve, a Lincoln Heritage product or service.

Non-discrimination We will not discriminate against you for exercising any of your rights.

How to Submit a Request to Exercise Your Rights: You may submit a request by completing our Consumer Privacy Request form, or by contacting us toll-free at: 1-800-945-0156.

Once we receive and process your request, we will stop using and disclosing your personal information for purposes other than those listed above. We try to respond to a verifiable consumer request to know, delete, or correct within forty-five (45) days of its receipt. We will deliver our written response by mail or electronically. The response we provide will also explain any reasons we cannot comply with a request, if applicable.

Only you, or your authorized agent (as defined by CA AG 999.326), may make a verifiable consumer request to know, delete, or correct your personal information. You may make a verifiable consumer request to know twice within a 12-month period. To verify your identity for processing your request, we will request your full name, street address, city, zip code, phone number, and email address.

If we are unable to verify your identity or authority to make the request, confirm the personal information we have in our systems relates to you, or locate your information in our systems we cannot respond to your request or provide you with personal information. If the information you provided us with does not match our records, we may request additional information from you.