Privacy Policy

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privacy policy

Policies of Risk Quoter Insurance Services and RiskQuoter.com

Privacy and Other Policies of RiskQuoter.com   Our service is available in the United States of America and is not available in other countries.  

We’re committed to protecting your privacy in everything we do. 

If you have any questions about our privacy policy, please contact us at Toll Free (800) 909-2040.

This privacy policy governs information that you provide to us and it tells you how we may collect, use and share the information you provide to us.

RiskQuoter.com provides useful life insurance underwriting information to consumers in order to help consumers with their insurance shopping needs.

First and foremost, RiskQuoter.com is intended for users in the United States of America, and is not available in other countries.

Information We Collect From Consumers and What We Do with that Information:

When a consumer requests a life insurance quote from RiskQuoter.com, we match that consumer with life insurance quotes based on the consumer’s individual request.

Consumers may from time to time provide us with personally identifiable information such as:

  • First and Last Name
  • Home, Business or Work Address
  • Phone Numbers
  • Email Addresses
  • Date of Birth
  • Medical History
  • Current Medical Information

There may be additional information provided to us by consumers from time to time.

In addition, we use data validation & verification services from time to time in order to ensure the quality of the information submitted and to correct information as needed. 

As part of our data validation process, if the information you provide is incorrect, we will use readily available public information to contact you.  

As an example, sometimes a consumer will type wrong phone number in the request by accident.  

In this case we would use a service to look up correct phone number in order to contact you.

By submitting your information to RiskQuoter.com, you hereby agree to having us contact you to discuss your life insurance quote request. 

You may request that we close your file at anytime. Submitting your information grants us permission to contact you. 

This applies even if you are on state or federal “Do Not Call Lists”.  

Rest assured that you can change your mind at any point in time by contacting us and telling us to close your file and discontinue contact. We will acknowledge requests of this nature and discontinue contact.

Quotes, Quote Requests, and our Quote Engine:

Our term life insurance quote engine will provide term life insurance company prices based on the information that you provide. 

The quote engine has no ability to determine if the rate you quote for yourself is a rate that you will actually qualify for. 

Only complete underwriting and approval by the insurance company can determine the final rate that you pay.

RiskQuoter.com relies on third party companies to provide the insurance quote engine on this website. 

While these companies take careful steps to ensure the accuracy of the term life insurance quotes, RiskQuoter.com will not be held responsible for errors made by these companies.

Web Usage Policies

We track website traffic and usage data in order to improve our website and the service we offer. 

We track click through information and IP addresses through our analytics service.

We may use “cookies” to track user traffic patterns.  We do not store personal information in these cookies, and you may turn off cookies in your browser at any time.

Vendors and Suppliers – We may provide personally identifiable information to or permit our vendors and service partners to work with us. 

An example of this is the database and web submission services we employ.

California Consumer Privacy Act – (CCPA)

California enacted the CCPA on 1/1/2020 to better secure privacy rights for California consumers.

CCPA applies to businesses with $25 million or greater in revenue, or 50,000 clients, or 50% or more of the business involves selling consumer info.

While we are not subject to the CCPA, we want you to know that we do not sell your information, and we take your privacy seriously as indicated throughout this page.

If at any time you would like us to delete the information you provided to us, simply contact us and we will do so immediately.

The General Data Protection Regulation – GDPR

The GDPR applies to companies doing business in the European Union. Our service is only available in the United States.

LEGAL NOTICE AND DISCLAIMERS:

The information and documents provided by this site are provided “as is”, and without warranties of any kind, either implied or expressed.

.com and affiliated websites disclaims all warranties of merchantability and fitness for a particular purpose.

In no event shall RiskQuoter.com and affiliated websites be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of this website.

RiskQuoter.com and affiliated websites do not provide medical, legal or tax advice.

You should consult with your own legal or tax advisor with those questions. 

Any medical information found on this site is for informational purposes and is not intended to replace the advice of your personal healthcare professionals.

This website is hosted in the United States and is intended for use by U.S. Residents.

Insurance Rate Information:

RiskQuoter.com and affiliated websites use third party services to provide the life insurance quotes on this site and also the quotes that they send to you verbally, or by mail, fax, email, text or via other transmission methods.

RiskQuoter.com and affiliated websites have done everything to the best of their knowledge to provide accurate quotes, however RiskQuoter.com and affiliated websites cannot guarantee the accuracy of these quotes.

RiskQuoter.com will not be responsible for errors made by these third party quotation services. 

Any quotes illustrated on this site or provided by RiskQuoter.com or affiliated websites are for illustrative purposes only.

Actual premiums will only be determined by the insurance company you apply to after you have completed all underwriting requirements, you have received the policy, accepted the policy and have paid the required premium.

Your coverage is not effective until the insurance company has received your premium and requirements and has acknowledged that your policy is effective.

In the event that there is a discrepancy between quotes illustrated versus the policy issued, the rates of the actual insurance policy will prevail.

 Our postal address is:

RiskQuoter.com
2110 South Eagle Road
#374
Newtown, PA 18940

We can be reached by telephone at (800) 909-2040

Transaction Security Methods

At RiskQuoter.com your security is very important.

We support the Internet standard of Secure Socket Layers or SSL to ensure that the transmission of your sensitive information can not be intercepted or decoded.

While no information or data submitted over the internet can be guaranteed to be 100% secure, we use SSL for the areas of the website where you are submitting personally identifiable information.

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