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, request insurance information, or use our services.
This policy describes our information practices. It does not by itself grant permission to contact you by SMS or replace any consent required by law.
Your Choices and Consent
When you voluntarily provide personal information, we may use it to respond to your inquiry, evaluate coverage options, assist with enrollment, or provide requested insurance services.
Where consent is required for particular communications, including SMS messages, we obtain it through an appropriate separate opt-in or other legally permitted method. You may withdraw SMS consent by replying STOP and may unsubscribe from marketing emails using their unsubscribe link or by contacting cc@healthaccidentlife.com.
Information We Collect
We may collect the following types of information when you request insurance information or services:
- Full name, phone number, and email address
- ZIP code and state of residence
- Age and household information
- Annual household income
- Current insurance status
- Coverage preferences and healthcare usage habits
- Information needed to assist with insurance applications or enrollment
- IP address, browser type, device information, and pages visited
We may also collect and retain records of communications with our agents, including call records where permitted by law. Calls may be monitored or recorded for quality assurance, training, compliance, and documentation purposes, subject to applicable notice and consent requirements.
How We Use Your Information
We may use information we collect to:
- Provide insurance quotes, coverage reviews, and related services
- Assist with applications, enrollment, and policy servicing
- Connect you with licensed insurance agents, carriers, or service providers when appropriate
- Communicate with you regarding your insurance inquiries, appointments, coverage, and requested services
- Personalize your experience and tailor recommendations to your needs
- Support permitted 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 designed to protect personal information against unauthorized access, disclosure, alteration, and misuse.
We also seek to work with service providers that maintain reasonable safeguards for the information they process on our behalf.
No method of electronic transmission or storage is completely secure. We cannot guarantee absolute security.
Our Sharing of Your Information
We may share personal information in the following circumstances, subject to the mobile information and SMS consent restrictions described below:
- Licensed insurance carriers, agents, and service providers: When necessary to provide quotes, coverage reviews, enrollment assistance, policy servicing, or other insurance services you request.
- Service providers: With vendors that help us operate our website, process forms, provide communications, deliver customer support, maintain technology, and administer our services.
- Advertising and marketing partners: We may use analytics, cookies, pixels, and similar technologies to understand website activity and support permitted advertising and marketing activities.
- Legal requirements: When disclosure is required by law, court order, regulatory request, or legal process, or when reasonably necessary to protect our rights or the safety of others.
- Business transfers: Information may be transferred in connection with a merger, acquisition, reorganization, or sale of business assets, subject to applicable law and the SMS-specific restrictions below.
Mobile Information and SMS Consent Privacy
We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or text messaging consent with third parties or affiliates for their own marketing or lead generation purposes.
We may disclose information to service providers that support the delivery and operation of our messaging services, subject to appropriate restrictions, and when required by law.
SMS opt-in data and consent are excluded from the information-sharing practices described above concerning advertising, marketing partners, and business transfers.
SMS and Telephone Communications
With appropriate consent, Health Accident Life may send SMS messages about insurance inquiries, appointments, enrollment assistance, document requests, and policy servicing.
We do not use consent for customer-care text messages as permission to send unrelated promotional messages.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out of SMS messages or HELP for assistance.
You may also contact us at cc@healthaccidentlife.com.
Consent to receive text messages is not a condition of purchasing insurance or receiving services.
SMS consent may be obtained through methods appropriate to the communication and applicable requirements, including affirmative electronic consent or documented verbal consent where permitted.
We honor requests to stop SMS communications and maintain records as reasonably necessary to document consent and opt-out requests.
Sending Sensitive Information
Please do not send Social Security numbers, medical records, or other sensitive documentation by ordinary SMS.
If supporting documents are needed for an insurance application or enrollment, please contact us to arrange a more secure submission method.
Cookies & Tracking Technologies
We use cookies and similar technologies to improve our website, remember preferences, understand website traffic, and support permitted advertising activities.
Third-party analytics or advertising platforms may use cookies, pixels, or similar technologies according to their own privacy practices.
You can disable cookies through your browser settings, though doing so may affect certain website features. Our website does not currently respond to browser "Do Not Track" signals.
How to Exercise Your Opt-Out Rights
You may opt out of marketing emails using the unsubscribe link included in those messages, reply STOP to opt out of SMS communications, or contact us at cc@healthaccidentlife.com.
We will process applicable privacy rights requests and communication preferences in accordance with relevant laws.
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, subject to applicable exceptions. To submit a consumer request, contact us at cc@healthaccidentlife.com.
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 or the sale of personal data, as provided by applicable law. Contact us at cc@healthaccidentlife.com.
Virginia Consumer Privacy Rights
Virginia residents may have rights under the Virginia Consumer Data Protection Act, including rights to access, correct, delete, and opt out of certain processing activities, subject to applicable exceptions. Contact us at cc@healthaccidentlife.com.
Connecticut Consumer Privacy Rights
Connecticut residents may have rights under the Connecticut Data Privacy Act, including rights to access, correct, delete, and opt out of targeted advertising and certain data sales, subject to applicable exceptions. Contact us at cc@healthaccidentlife.com.
Utah Consumer Privacy Rights
Utah residents may have rights under the Utah Consumer Privacy Act, including rights to access, delete, and opt out of certain data processing activities, subject to applicable exceptions. Contact us at cc@healthaccidentlife.com.
Children's Privacy
Our website is not directed to individuals under 18. We do not knowingly collect personal information directly from children through our website without appropriate authorization. Insurance applications may require household information concerning dependents.
If you believe information has been collected improperly, contact us at cc@healthaccidentlife.com.
Changes to This Policy
We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective or last updated date.
Questions & Contact
Health Accident Life
Operated by CC Ventures LLC
Email: cc@healthaccidentlife.com
Website: healthaccidentlife.com