Privacy Policy

One Life Enrollment LLC (“we,” “us” or “our”) is an independent insurance agency that operates The Life Policy Desk. Our licensed agents help people find new coverage from several insurance companies, review the coverage they already have, and answer their life insurance questions. We are not an insurance company. This Privacy Policy explains how we collect, use, share and protect personal information when you visit thelifepolicydesk.com (the “Site”) or call us, and forms part of our Terms of Use.

We use personal information to answer your questions, prepare quotes and submit the applications you request; to follow up on your inquiry; to operate, secure and improve the Site and our phone systems; to train our agents; to measure our advertising; to prevent fraud; and to meet our legal and record-keeping obligations. We do not use health information for advertising.

We share personal information only:

• with insurance companies, to prepare quotes and submit applications you authorize;
• with service providers that work for us, such as hosting, phone, call-recording, customer-relationship and analytics providers, only as needed for that work;
• with Google, for advertising measurement, as described below;
• with regulators, courts and law enforcement, as required or permitted by law;
• with a buyer or successor if our business is sold or reorganized; and
• with your consent or at your direction.

If you call us from a Google advertisement, either by tapping the call button in the ad or by calling from the Site after clicking the ad, we may report the outcome of that call to Google, for example whether you spoke with a licensed agent, applied for coverage or purchased a policy. The report may include the telephone number the call was placed from, the date and time the call began, and a value that we assign to the outcome. We provide this information so that Google can measure, on our behalf, which advertisements produce results. The report does not include your name, your health information or the terms of any policy. Any other identifier we send Google for this purpose is hashed (one-way encoded) first. Google processes this information under its advertising data processing terms, and receives details of calls to its forwarding numbers, whether placed from the call button in an ad or from a number shown on the Site, under its own privacy policy.

We do not sell personal information for money. Some state laws may treat our use of Google’s advertising tools as a “sale” or “sharing” of personal information. You may opt out as described in Section 8.

Information we collect for a quote or an application is protected by the Gramm-Leach-Bliley Act and state insurance privacy laws. We disclose it to nonaffiliated third parties only as those laws permit, such as to process a transaction you request, to service providers working for us, to prevent fraud, to comply with law or with your consent, and never for their own marketing. Each insurance company’s privacy notice governs the information it receives. For payments, claims or changes to an existing policy, contact the insurance company that issued it.

We may return your call or follow up at the number you called from or at another number you give us. We do not make marketing calls or send marketing text messages using an automatic telephone dialing system or an artificial or prerecorded voice without your prior express written consent. To stop calls, tell any agent or contact us, and we will add your number to our do-not-call list. To stop text messages, reply STOP.

We keep personal information for as long as needed for the purposes in this Policy and as long as insurance and other laws require, and then delete or de-identify it. We use reasonable safeguards to protect it, but no system is completely secure. Please do not email us your Social Security number or health information.

You may ask what personal information we hold about you and ask us to correct or delete it, subject to the records the law requires us to keep. You may also opt out of targeted advertising and of disclosures that state law treats as a “sale” or “sharing.” You can manage Google ad personalization at adssettings.google.com and block cookies in your browser. The Site does not respond to “Do Not Track” signals.

Residents of California and other states with consumer privacy laws may have additional rights, to the extent those laws apply to us; many of them exclude information covered by the Gramm-Leach-Bliley Act. We will not discriminate against you for exercising your rights. To make a request, contact us as described in Section 11; we may need to verify your identity first. If we decline your request, you may appeal by contacting us with “Privacy Appeal” in the subject line.

The Site and our services are intended for adults 18 or older. We do not knowingly collect personal information from children. If you believe a child has given us personal information, contact us and we will delete it.

We may update this Policy from time to time. We will post the updated version on this page and change the “Last Updated” date above.

For questions or privacy requests, contact us:

Please put “Privacy Request” in the subject line of any email.