Privacy Policy

Revised 08-18-2025

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 here to our website.

YOUR PRIVACY IS OUR CONCERN

Lincoln Heritage Life Insurance Company recognizes the confidentiality expectations of our consumers, 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 we receive about you. This Privacy Policy is designed to provide full transparency of the personal information practices Lincoln Heritage may utilize and the personal information practices we have utilized over the past 12 months.

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

OUR COMMITMENT TO COMPLIANCE

We maintain full compliance with all applicable privacy and security laws and guidelines, including:

Gramm-Leach-Bliley Act (GLBA)
California’s consumer privacy (CCPA) and privacy rights (CPRA) Acts.
Other applicable federal and state privacy regulations.
National Association of Insurance Commissioners (NAIC) Data Security Model Law

We restrict access to nonpublic personal information to those associates who need to know to provide you with excellent customer service. We also train our Home Office associates on the importance of confidentiality of personal information and how to take appropriate and required measures to fulfill privacy responsibilities.

We retain your personal and sensitive personal information only for as long as it is reasonably necessary to fulfill the purposes for which it was collected or 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

We provide all consumers in the United States the rights afforded by existing privacy laws, including:

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

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 inaccurate personal information if doing so does not negatively impact you, or if you consent.

Right to opt out: The right to request we do not use any of your sensitive personal information or to opt out of the selling and sharing of your personal information (Lincoln Heritage does not sell or share personal information – including the information of minors).

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.

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

INFORMATION WE COLLECT

We collect personal information from several types of consumers including our policyholders and other individuals named in a policy, 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 consumer you are.

We may collect the following categories and pieces of personal information and sensitive personal information:

Identifiers: Name, address, email, phone number, IP address, SSN, etc.
Personal Information: Policy and claim details or history, payment information or financial data.
Health and medical information: Collected only as authorized by you or required by law.
Protected classifications: Age, sex, disability.
Internet activity: Browsing history, ad interaction.
Inferences: Language preference only.
Audio/electronic: Customer service call recordings, agent communications, emails, etc.

SOURCES OF PERSONAL INFORMATION

We may collect personal information from the following:

Our policyholders (as provided on forms, applications, and through interactions)
Licensed agents
Marketing and analytics partners
Medical providers (only as authorized)
Public records or government databases
Digital marketing providers

BENEFICIARIES AND OTHER AUTHORIZED CONTACTS

We may collect personal information about individuals who are not the direct purchasers of our products and services such as policy beneficiaries, insured parties, referrals, emergency contacts, or authorized representatives. This information may be provided by policyholders, agents, or other sources. Information may include name, date of birth, SSN, contact information, relationship to the policyholder, and other relevant data. We use this information only for the permitted business purposes listed in the continuing section.

OUR USE OF PERSONAL INFORMATION

We may use or disclose personal information for the following business purposes:

Providing products or services
Underwriting applications
Claims processing
Personalization
Marketing
Assessing customer satisfaction or service experience
Fraud prevention
Legal or regulatory compliance

HOW WE DISCLOSE INFORMATION

To fulfill our business purposes, we may disclose (“share”) your information to the following entities:

Licensed agents
Technology providers and processors
Marketing and analytics partners
Regulatory authorities
Providers of cross-context behavioral advertising data

All parties are contractually bound by confidentiality obligations. We never sell or share your personal information for monetary gain.

MEDICAL INFORMATION

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

EMAIL MARKETING

If you provide us with your email address such as when requesting a quote, applying for insurance, or contacting us, you may receive occasional marketing emails from Lincoln Heritage. You can unsubscribe at any time by using the link included in each marketing email.

In some cases, we may also receive your email address through advertising partners or data providers that combine information across websites and services (“cross-context behavioral data”). This may occur even if you have not directly submitted your email address to us. We use this information to provide relevant offers and communications that may be of interest to you. You can opt out of these communications at any time using the unsubscribe link provided.

Some consumers who use Gmail may see advertisements from Lincoln Heritage within the Gmail interface. These are not marketing emails sent by Lincoln Heritage, but rather display ads served by Google. These ads may appear in the Promotions tab or in Sponsored sections of your Gmail account. Because they are delivered through Google’s advertising platform and not sent directly by us, opting out of our marketing emails will not prevent these ads from appearing.

If you would like to stop seeing these ads within Gmail, you can manage your ad preferences directly through Google. For instructions, please visit: https://support.google.com/mail/answer/6603?hl=en

COOKIES AND TRACKING TECHNOLOGY

We use cookies and similar technologies to personalize your experience, analyze website traffic, and support our marketing efforts. Cookies are small files placed on your device that help us remember your preferences, measure interactions, and deliver relevant content.

We may also share information about your use of our site with our advertising, analytics, and social media partners, who may combine it with other information you’ve provided to them, or they’ve collected from your use of their services. This type of data sharing may be considered cross-context behavioral advertising under certain privacy laws.

You can manage or disable cookies through your browser settings. For broader opt-out options, you may use tools such as:

Google Analytics Opt-Out: https://tools.google.com/dlpage/gaoptout/
Network Advertising Initiative Opt-Out: http://www.networkadvertising.org/choices/

Use of our site indicates your agreement to our use of these technologies unless you opt out.

CCPA METRICS

Calendar Year: 2025, median response time: 4 days.

	RECEIVED	COMPLETED	DENIED – No Info Available	NOT VERIFIABLE
DATA REQUESTS	33	12	21	21
DISPUTES	3	1	2	2
DELETIONS	60	27	33	33

EXERCISING YOUR RIGHTS

Consumer Privacy Request form

Use this link to submit a request to access, delete, correct, or limit use of your personal information or contact us on our privacy hotline at 1-8OO-945-O156, via Email at privacy@lhlic.com, or by mail:

Lincoln Heritage Life Insurance Company, Attn: Privacy Inquiries, PO Box 29045, Phoenix AZ 85038.

We may require identity verification to process your request.

NEED HELP?

Contact Customer Service at: 1-800-438-7180