Privacy Policy
Updated 8/14/2024
Excel Life Benefits believes your privacy and the security of your information are important. The following Privacy Policy details our information gathering, protection, and handling practices relating to using the website www.ExcelLifeBenefits.com.
If you have questions or concerns about our privacy policy, please contact us by phone at 385-202-6043 or visit https://excellifebenefits.com/contact/.
Why we collect visitor information
There are two reasons why we collect visitor information on this site.
(1) Information is collected to provide life insurance quotes.
(2) Information is collected to initiate an application request process to begin purchasing life insurance.
The only personal identifying information collected on this site is provided by you, the user, voluntarily by your submission. Site usage statistics and aggregate user profiles are analyzed to see user trends. They are not used to track the usage patterns of individual users.
Information collected & how we use it
Insurance Quote or Application Request Forms
ExcelLifeBenefits.com provides free life insurance quotes. To provide quotes, we must collect certain information including state of residence, date of birth, gender, height, weight, coverage amount desired, 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.
Excel Life Benefits does not sell any submitted information. Excel Life Benefits may share information with life insurance carriers to provide the best service and products to you, our client to complete an insurance application.
All life insurance carriers have their proprietary rate guidelines based on the previously mentioned information. To provide quotes and rates, we must collect the data mentioned above.
Communication with clients
Once a user has initiated a relationship with Excel Life Benefits through this site, various forms of communication may ensue. They may include contact by telephone, email, or text. All contact is to help our clients receive quotes and apply, purchase, or get life insurance or other forms of insurance. Contact will only come from an Excel Life Benefits state-licensed agent or our processing staff.
If at any time you desire that we cease contact with you, please reply by email, telephone, mail, or fax, and we will immediately remove you from our database.
Cookie
A cookie is a piece of data stored on a user’s computer tied to information about that user. None of the cookies this site uses are linked in any way to personally identifiable information.
This site may use both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user’s hard drive for an extended period. You can remove persistent cookies by following the “Help” directions provided by your browser. Cookies may be disabled at any time by following the “Help” directions provided by your browser.
Information collected by cookies is analyzed to determine the effectiveness of our site. Users rejecting our cookies may still use our site.
Log Files
When visitors enter and navigate through the pages of our site, our server logs information, including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor’s browser, operating system, and screen resolution. We then analyze that data. Our goal is to understand better what our visitors are looking for and improve the quality of our site. We look for trends, identify the most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns or use these technologies to gather emails or personally identifiable information.
Your options
On ExcelLifeBenefits.com
This site is open for public use without providing any personally identifiable information.
You explicitly initiate a relationship by providing your personally identifiable information on this site (as defined by the National Do Not Call Registry) with Excel Life Benefits. You are inviting, consenting to, and requesting contact and information from us, which may be provided to you online, by phone, fax, email, or mail by Excel Life Benefits 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 contacted you without your express consent.
If you desire that we cease contact with you at any time, we will honor your request to place you on our internal “Do Not Contact” list.
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. Or reply with the message “unsubscribe.”
Cookies
You may disable cookies on your browser at any time by following the directions provided 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, don’t hesitate to get in touch with us at 385-202-6043.
Carrier, partner, vendor, and affiliate privacy policies
Excel Life Benefits 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. Excel Life Benefits is not responsible for these third-party companies’ privacy policies or procedures or any loss or breach of data through these third-party systems. Please get in touch with these individual organizations with questions regarding their Privacy Policies.
Spam policy
Excel Life Benefits 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 Excel Life Benefits it would be because (1) you expressly shared your email address with us to receive 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. You can also do so by replying to the email with the subject line, “unsubscribe.”
Privacy policy updates
This Privacy Policy may be updated at any time. Excel Life Benefits is always looking for new and safer ways to protect our clients’ information. Consequently, this Privacy Policy may be updated to reflect those changes. We suggest that you review this Privacy Policy each time you use this site.
Contact us
If you have any questions regarding this document, our procedures, and policies, this site, or your relationship with us, please contact us at https://excellifebenefits.com/contact/ or as noted below.
Excel Life Benefits
ExcelLifeBenefits@gmail.com
385-202-6043