Privacy Policy | Rate Shop Live

Information We Collect

When you request insurance information, a quote comparison, or a Rate Shop Live Review, we may collect information such as:

name,
email address,
phone number,
age,
gender,
state of residence,
desired coverage amount,
desired policy term,
appointment and scheduling information, and
other information you voluntarily provide to us.

We may also automatically collect information such as your IP address, browser type, device information, website usage information, cookies, and similar technologies.

How We Use Your Information

We use your information to:

provide insurance information and services you request,
compare insurance rates and coverage options,
prepare for and conduct a Rate Shop Live Review,
communicate with you about your inquiry,
schedule and manage appointments,
respond to questions and requests,
assist with insurance applications when requested,
improve our website and services, and
comply with applicable legal and regulatory requirements.

Rate Shop Live Reviews

Rate Shop Live primarily helps consumers compare term life insurance rates and coverage options through a live online review with a licensed insurance agent. During a Rate Shop Live Review, an agent may compare rates and options from multiple insurance companies and answer questions about available coverage. Quotes and rates presented are estimates and are subject to eligibility, underwriting, carrier approval, and other applicable requirements. Rate Shop Live is an independent insurance brokerage. We may also offer whole life insurance, long-term care insurance, annuities, and other insurance products.

Sharing Your Information

We do not sell your personal information. When necessary to provide services you request, information may be shared with licensed insurance carriers, underwriting partners, technology and service providers that support our business, or other parties as required or permitted by law. If you choose to apply for an insurance product, additional information may be collected and shared with the applicable insurance carrier and other parties involved in processing or underwriting the application.

SMS Communications

If you provide your mobile phone number and consent to receive text messages, Rate Shop Live may send customer-care text messages related to your inquiry, requested information, appointment scheduling, appointment confirmations and reminders, and follow-up communications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of text messages or HELP for help. SMS consent and mobile phone information will not be sold, shared, or disclosed to third parties or affiliates for their marketing or promotional purposes. Consent to receive text messages is not a condition of purchasing any product or service.

Cookies and Analytics

We may use Google Analytics, Meta technologies, and other analytics or advertising technologies to understand website usage and improve our website, advertising, and services.

Email Communications

By providing your email address, you may receive communications related to your inquiry or requested services, including appointment information, follow-up communications, and responses to inquiries. You may unsubscribe from marketing emails at any time.

Data Security

We maintain reasonable administrative, technical, and organizational safeguards designed to protect personal information. However, no electronic transmission or storage method can be guaranteed to be completely secure.

Children's Privacy

Rate Shop Live's services are intended for adults seeking insurance information and are not directed toward children under 18.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, services, or legal requirements. Changes become effective when the updated Privacy Policy is posted on this website.