Privacy Policy

Effective from 1st Jan 2022

We are committed to protecting your privacy as a visitor to our Web site and as a customer of Life Insurance South Texas. To our visitors and clients, we make the following promise:


The data collected on this website is solely owned by Life Insurance South Texas. We will not sell, distribute, disclose trade, communicate, transfer, share, lease, or rent any personally identifiable information to any third party unless you have specifically permitted us to do so.

Information Collection

We will ask for your personal information when you enroll for coverage and when you purchase an insurance policy from us. We will also ask for your personal information if you send us an e-mail through our website. When you sign up for an insurance policy with Life Insurance South Texas, we'll ask for your name, home address, mailing address, phone number, and e-mail address. You will provide this information to the insurance company when you acquire an insurance policy so that they can establish you as a policyholder.


We will retain a record of your information at Life Insurance South Texas so that we can provide you excellent policyholder service. All employees at Life Insurance South Texas must sign and accept a Confidentiality and Nondisclosure Agreement. Each member of the staff has received training on how to respect the privacy of each customer and the necessity of protecting their personal information.

When you buy an insurance policy with Life Insurance South Texas, you can pay your premiums with a credit card or a personal check. Our servers do not save your credit card details. If you pay the premium using a personal check, we may store a copy of your check in your file. When you send us e-mail from this Web site, you will provide us with certain personally identifiable information, including your e-mail address.


We may gather personal information from the following sources: names, addresses, and social security numbers are examples of the kind of information we collect.


Your interactions with us, such as premium payments and claim submissions.


Doctors, employers, and other insurers are examples of third parties. Medical records, job history, and claim history are some of the types of information we gather.


Credit reporting organizations, insurance reporting agencies, government agencies, and medical information providers are all examples of companies that collect information about you.

Information Disclosure

Our agency makes every attempt to protect your privacy while using our website. If information is obtained by a third party unintentionally, you agree to hold us harmless if this information is downloaded, read, or retrieved in violation of our privacy policies by using our website lifeinsurancesouthtexas.com. We shall not be held liable for any illegal actions taken by others who steal this information. Nonpublic information is never sold to third parties. We do not disclose nonpublic personal information to our affiliates or non-affiliated third parties unless required or permitted by law. As permitted by law, we may share nonpublic information with entities that provide administrative or marketing services to us. Our contracts with such companies prohibit them from using nonpublic personal information for any purpose other than that for which they were hired.

Disclaimer

Please contact our office to discuss precise coverage details and your insurance requirements. To preserve your privacy, please do not give us confidential personal information by unsecured email. Instead, give us a call and we'll talk about your personal information. Statements about policies and coverage, as well as other content, on this website are provided for informative reasons only, and we cannot guarantee their accuracy.

Clients should discuss how these policies relate to their specific situation with their qualified agent. This website's content is not meant to be taken as professional advice. If you have legal, tax, or financial planning issues, you should seek the opinion of a qualified practitioner.

Notice Of Insurance Practices

In connection with this application for insurance and subsequent policy renewals, personal information about you, including information from a credit report and loss history, may be acquired from persons other than you. You have the right to inspect your personal information in our files and request that any mistakes be corrected. In certain cases, such information, as well as other personal and sensitive information obtained by us or our agents, may be provided to third parties without your permission in order to help us in servicing your account. Contacting your agent or broker and requesting additional details about our information and disclosure procedures will provide you with a more thorough understanding of your rights and our practices respecting such information.

Any person who files an application for insurance or a statement of claim containing materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime punishable by both criminal and civil penalties.

Cookies

A cookie is a small piece of data that is stored on a visitor's hard drive while they are viewing our website. We may use a short-lived cookie when you visit this site. Lifeinsurancesouthtexas.com only uses cookies to distinguish one unique visitor from another during a certain session. A session is defined as the period of time during which a single visitor is connected to our server and actively utilizing the site.

We may use cookie technology to carry forward your input information during the enrollment process throughout a session. This allows the visitor to only enter their credentials once, and it will appear later in the enrollment process. The cookie does not save any information that can be used to identify you. When a visitor closes their browser or is not actively exploring our website for more than 20 minutes, the cookie expires and is erased from their machine. If a previous visitor to our website returns for a new session, they will be given a fresh cookie and will not be recognized as a previous visitor or session?

Third Party Links

This website may contain links to third-party websites that Life Insurance South Texas does not control. These third-party links are provided as a courtesy to you, and you agree to use them at your own risk. Please be aware that Life Insurance South Texas is not responsible for the content of third-party Web sites that are not linked to us, nor are we responsible for the privacy policies or practices of third-party Web sites that are linked to us. Our Privacy Policy only applies to information we gather from you while you are at Life Insurance South Texas and actively engaged in a session with us. If you should link to a third party Web site from Life Insurance South Texas, we strongly encourage you to review and become familiar with that Web site's privacy policy. 

Changes in Our privacy policy

We retain the right to modify this Privacy Policy at any time without providing you with prior notification of our intention to do so.

Please contact us at any time if you have any queries regarding our privacy policy.