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Living Benefits Business Protection ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services related to life insurance and living benefits products.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you express interest in obtaining information about us or our insurance products and services, participate in activities on our website, or otherwise contact us. The personal information we collect may include:

• Name, email address, telephone number, and company name
• Business information including number of employees and industry
• Financial information necessary for insurance underwriting and quotes
• Health information required for life insurance applications (collected only with your explicit consent)
• Any other information you choose to provide in forms, surveys, or communications

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies installed on your device. We also collect information about your browsing behavior and interaction with our website.

How We Use Your Information

We use the information we collect or receive to:

• Provide, operate, and maintain our website and services
• Process insurance applications and provide quotes for life insurance and living benefits products
• Communicate with you about insurance products, services, and educational content
• Respond to your inquiries and provide customer support
• Comply with legal obligations under insurance regulations and federal/state laws
• Detect, prevent, and address technical issues and fraudulent activity
• Improve and personalize your experience on our website

Disclosure of Your Information

We may share your information in the following circumstances:

• Insurance Carriers: We share your information with licensed insurance carriers (including National Life Group and other carriers) to obtain quotes and process applications for life insurance and living benefits products
• Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, and marketing assistance
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas, or government agencies)
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business
• With Your Consent: We may disclose your information for any other purpose with your consent

HIPAA and Health Information

When we collect health information in connection with life insurance applications, we comply with applicable provisions of the Health Insurance Portability and Accountability Act (HIPAA) and state insurance privacy laws. Health information will only be used for underwriting, claims processing, and other insurance-related purposes, and will be shared only with authorized insurance carriers and service providers bound by confidentiality obligations.

Data Security

We implement appropriate technical and organizational security measures designed to protect your personal information. However, please note that no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access and receive a copy of your personal information
• The right to correct inaccurate personal information
• The right to request deletion of your personal information (subject to legal retention requirements)
• The right to opt-out of marketing communications
• The right to request restriction of processing of your personal information

To exercise these rights, please contact us using the information provided below.

California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, use, and disclose, and the right to request deletion of your personal information. California residents also have the right to opt-out of the "sale" of personal information, though we do not sell personal information as defined by the CCPA.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us: