Introduction
Health Accident Life ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit healthaccidentlife.com or submit a coverage review or quote request through our website.
By using our website and submitting your information, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or submit your information.
Your Consent
By using our website and services and by submitting your personal information through our website or to our agents, you expressly consent to this Privacy Policy and to the transfer, processing, and use of your personal information by Health Accident Life and any third-party service providers for the purposes stated in this Privacy Policy.
By providing your contact information, you consent to receive communications from us, including insurance product information and promotional offers. You may unsubscribe from marketing emails at any time by clicking "unsubscribe" in any email or by contacting us at cc@healthaccidentlife.com.
Information We Collect
We may collect the following types of information directly from you when you complete our coverage review or quote request form:
- Full name, phone number, and email address
- ZIP code and state
- Age and household information
- Annual household income
- Current insurance status
- Coverage preferences and healthcare usage habits
- IP address, browser type, device information, and pages visited
We may also collect audio records of calls with our licensed agents. Calls may be monitored or recorded for quality assurance, training, compliance, and documentation purposes.
How We Use Your Information
We use the information we collect to:
- Provide insurance quotes, coverage reviews, and related services
- Connect you with licensed insurance agents or service providers
- Communicate with you about insurance products and services
- Personalize your experience and tailor recommendations to your needs
- Support advertising, analytics, and marketing efforts
- Improve our website, services, and customer experience
- Comply with legal, regulatory, licensing, and compliance obligations
How We Protect Your Information
We use physical, technical, and administrative safeguards to help protect your information. We also seek to work with service providers who use reasonable safeguards to protect information against unauthorized access or use.
No method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security.
Our Sharing of Your Information
We may share your personal information in the following circumstances:
- Licensed insurance carriers, agents, and service providers: When you submit a request, we may share your information with licensed carriers, agents, and insurance service providers to deliver the quotes, coverage reviews, or services you requested.
- Service providers: We may share information with vendors that assist with website hosting, analytics, communications, form processing, customer support, and IT services.
- Advertising and marketing partners: We may work with companies that assist us in advertising our services using cookies, pixels, analytics, and similar technologies.
- Legal requirements: We may disclose information when required by law, court order, legal process, regulatory request, or to protect our rights or the safety of others.
- Business transfers: We may share or transfer information in connection with a merger, acquisition, financing, reorganization, or sale of assets.
TCPA & Telephone Contact
By checking the consent checkbox on our coverage review or quote request form and submitting your information, you provide your express written consent to Health Accident Life and its licensed insurance agents to contact you at the phone number you provide, including via live operators, automatic telephone dialing systems, pre-recorded voice messages, and text messages, regarding insurance products and services, even if your number is on a state or national Do Not Call registry.
You acknowledge and agree that:
- Your consent is not a condition of purchasing any insurance product or service.
- Standard message and data rates may apply to SMS messages.
- You may opt out of text messages at any time by replying STOP.
- You may opt out of calls by informing our agent or by emailing cc@healthaccidentlife.com.
Cookies & Tracking Technologies
We use cookies and similar tracking technologies to improve our website, remember preferences, run analytics, and support advertising. We may permit third-party advertising platforms to place their own cookies, pixels, or similar technologies on our site.
You can disable cookies through your browser settings, though this may affect site functionality. Our website does not respond to "Do Not Track" browser signals.
How to Exercise Your Opt-Out Rights
To opt out of communications, you may click "unsubscribe" in any marketing email, reply STOP to any SMS message, or email us at cc@healthaccidentlife.com.
California Consumer Privacy Rights
California residents may have the right to know, delete, correct, and opt out of the sale or sharing of their personal information, as well as the right to non-discrimination for exercising these rights. To submit a verifiable consumer request, contact us at cc@healthaccidentlife.com. We will respond within the time period required by applicable law.
Colorado Consumer Privacy Rights
Colorado residents may have the right to access, correct, delete, and obtain a portable copy of their personal data, and to opt out of targeted advertising and the sale of personal data under applicable Colorado privacy law. To submit a request, email cc@healthaccidentlife.com.
Virginia Consumer Privacy Rights
Virginia residents may have rights under the Virginia Consumer Data Protection Act, including the right to access, correct, delete, and opt out of the sale of personal data and targeted advertising. To submit a request, email cc@healthaccidentlife.com.
Connecticut Consumer Privacy Rights
Connecticut residents may have rights under the Connecticut Data Privacy Act, including the right to access, correct, delete, and opt out of targeted advertising. To submit a request, email cc@healthaccidentlife.com.
Utah Consumer Privacy Rights
Utah residents may have rights under the Utah Consumer Privacy Act, including the right to access, delete, and opt out of the sale of personal data and targeted advertising. To submit a request, email cc@healthaccidentlife.com.
Children's Privacy
Our website is not directed to individuals under 18. We do not knowingly collect information from minors. If you believe we have collected information from a minor, contact us immediately at cc@healthaccidentlife.com.
Changes to This Policy
We may update this Privacy Policy from time to time and will post changes on this page with a revised effective date. Your continued use of our website after changes are posted constitutes acceptance of the updated Policy.
Questions & Contact
Email: cc@healthaccidentlife.com
Website: healthaccidentlife.com