Legal

DISCLAIMER:

 

The rates shown are estimates based on the information you provided. This is not an illustration of life insurance. This is not an offer of life insurance. This quick quote system is for rate comparisons only. We have made every reasonable effort to assure the accuracy of this information. However, we make no warranties or guarantees to the accuracy of this information. While we strive to maintain an accurate database of current rates, human error can occur and therefore we cannot guarantee accuracy. While it is our goal to give you the most accurate quote possible, your actual premium will be determined by the carrier you choose, after the underwriting process has been completed, and may differ from your original quote. Many states require NAIC compliant insurance carrier illustrations; please refer to specific carriers for actual illustrations.

TERMS:

 

By receiving your FREE QUOTE, you are under no obligation to go through the application process. Your health class is determined by the insurance carrier’s underwriter. If you request an application and submit your online term life insurance quote request to ShieldPolicy, LLC, you are agreeing by your electronic signature to give ShieldPolicy, LLC, and the licensed agent, your prior express written consent. This includes an ongoing business relationship where ShieldPolicy, LLC has permission to call you at the numbers you provided in your online quote request – home, cell and work for example, as well as any other subscriber or user of these phone numbers. ShieldPolicy, LLC may use an automatic dialing system and pre-recorded and artificial voice messages any time after your inquiry to ShieldPolicy, LLC for purposes of all federal and state telemarketing and Do-Not-Call laws. Your prior affirmative written consent also gives ShieldPolicy, LLC the right to email you at the address(es) you provided in your online quote request, in each case to market our products and services to you and for all other purposes. A licensed agent may contact you if there is additional information that is needed to complete the application process and may let you know of other products that could be suitable for your individual needs and situation. Your consent is not required to get a quote or purchase anything from ShieldPolicy, LLC

PRIVACY STATEMENT:

SECTION 1 – WHAT DO WE DO WITH YOUR INFORMATION?

When you visit our website, as part of the buying and selling process, we collect the personal information you give us such as your name, address and email address.

When you browse our site, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

Email marketing: With your permission, we may send you emails about your policy, application, new products and other updates.

SECTION 2 – CONSENT

How do you get my consent?

When you provide us with personal information to complete a transaction, apply for insurance, verify your credit card, place an order, arrange for a delivery or return a purchase, we imply that you consent to our collecting it and using it for that specific reason only.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdrawing your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at benjamin@shieldpolicy.com.

 

SECTION 3 – DISCLOSURE

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

SECTION 4 – THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain third-party service providers, have their own privacy policies in respect to the information we are required

to provide to them for your purchase-related transactions.

For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

Once you leave our company’s website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service.

Links

 

When you click on links on our website, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

Google analytics:

Our website may use Google Analytics to help us learn about who visits our site and what pages are being looked at.

SECTION 5 – SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with a AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all PCI-DSS requirements and implement additional generally accepted industry standards.

SECTION 6 – COOKIES

Here is a list of cookies that we use. We’ve listed them here so you that you can choose if you want to opt-out of cookies or not.

_session_id, unique token, sessional, Allows us to store information about your session (referrer, landing page, etc).

Google analytics:PREF, persistent for a very short period, Set by Google and tracks who visits the store and from where.

SECTION 7 – AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

SECTION 8 – CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If our website or company is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell products to you.

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer at benjamin@shieldpolicy.com.

NO MEDICAL EXAM LIFE NOTICE:

Policies are issued by The Savings Bank Mutual Life Insurance Company of Massachusetts, One Linscott Road, Woburn, MA 01801. All rights reserved. NAIC Number: 70435. SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, which is in no way affiliated with SBLI USA Life Insurance Company, Inc. Products and features may not be available in all states.

As of 02/01/2021: No Medical Exam Life Insurance are for term policies up to $750,000 for 10-30 years, under age 60, weight, height, medical health history, smoking status, location of applicant or other factors under law determined by carrier. Policy underwriting company has final notice for no exam required and policies issued to applicant. Only available for residents of Missouri, Illinois & Iowa.

Monthly premiums are available only when using SBLI’s Automatic Payment Plan. Rates vary by age, gender, health, and amount of insurance. Policy form B-56 series. Automated quotes are samples that assume best health. Adjust your health class to see alternative sample rates. This sample quote does not reflect additional personal and health information you enter when completing your online application. The actual premium may change based upon additional information and underwriting.

SBLI’s Accelerated Underwriting is available on SBLI Level Term Insurance, ages 18-60, for insurance amounts of $750,000 or less. Each application requires a telephone interview instead of a medical exam. Insurance amounts above $750,000 are underwritten with a traditional paramedical exam.

By submitting your telephone number and email address you provide your signature expressly consenting to contact from Watchdog Insurance Group, SBLI or its agents at the number provided regarding products or services via live, automated or prerecorded telephone call. You understand that you are not required to enter into this agreement as a condition of purchasing property, goods, or services. You understand that you can revoke this consent at any time.

By submitting the personal information provided, you acknowledge receipt of ShielPolicy's and SBLI’s Privacy Notice and agree to its terms as a condition of SBLI providing you information about products and services that may be available to you.

SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, which is in no way affiliated with SBLI USA Life Insurance Company, Inc. Products and features may not be available in all states. © 2021 The Savings Bank Mutual Life Insurance Company of Massachusetts, One Linscott Road, Woburn, MA 01801. All rights reserved. NAIC #70435.