Effective February 11, 2008

The privacy practices of this statement apply to our services available under the domain and subdomains of this website (www.wearetermlife.com). By visiting this website you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree please do not use or access our Site. This Privacy Policy describes the information we collect from you as part of the normal operation of our services, and what may happen to that information. By accepting the Privacy Policy and any other agreement presented to you on the Site, you expressly consent to our use and disclosure of your personal information in accordance with this Privacy Policy.

In general, you can browse the Site without telling us who you are or revealing any personal information about yourself. Once you give us your personally identifiable information, you are not anonymous to us and we reserve the right to share your personally identifiable information as outlined in this privacy policy. If you choose to use our services, we may require you to provide contact and identity information and other personal information as indicated on the forms throughout the Site. Where possible, we indicate which fields are required and which fields are optional. You always have the option to not provide information by choosing not to use a particular service or feature. We use data collection devices such as "cookies" on certain pages of the Site to help analyze our web page flow, measure promotional effectiveness, and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. You are always free to decline our cookies if your browser permits.

Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

We share your personally identifiable information with third party businesses for purposes of direct mail, email marketing, and telemarketing. To the extent that these entities have access to your information, they will treat it at least as protectively as they treat information they obtain from their other users.

Our users are given the opportunity to 'opt-out' of having their information used for purposes not directly related to our Site. Users who no longer wish to receive communications may opt-out of receiving these communications by entering their email address into our unsubscribe page. A link to our unsubscribe page is also included in the footer of every email communication.

This Web site contains links to other sites. Please be aware that we, Spectrum Direct Insurance Services, Inc., are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

We always strive to maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your nonpublic personal information.

WeAreTermLife.com is committed to honoring the requests of its current and prospective customers. In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission, we have adopted the following policy. This policy statement is being provided to our customers and visitors to our internet website. We maintain a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive sales calls from us, you can ask us to place your telephone number on our "Do Not Call" list. In compliance with federal and state laws, we will document your request immediately. Please allow up to 30 days for your telephone number to be removed from any sales programs that are currently underway.

Your request can be in writing or by telephone, and must include at a minimum, your name and telephone number. If you have multiple telephone numbers, tell us all numbers that you want to be included. Any email communication to you confirming receipt of your "Do Not Call" request will not be deemed to have violated this policy.

Our "Do Not Call" records are maintained indefinitely, so those consumers will not be burdened with periodic calls to renew a "Do Not Call" request.

If we solicit prospective customers, we also honor "Do Not Call" requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state agency lists. Many state "Do Not Call" regulations permit companies to contact their own customers even though they are on these "Do Not Call" lists. Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national "Do Not Call" list. If you do not want to be contacted by us even though you are a customer, simply follow the steps above to be placed on our "Do Not Call" list and your request will be honored.

Being on our "Do Not Call" list means that you will not receive any sales calls by anybody representing us. We may still contact you, however, for non-solicitation purposes. This could include things like billing and other service-related matters.

Any personnel involved with telemarketing and/or telephone solicitation with us are trained, informed and directed to comply with our "Do Not Call" policy. Consumers must inform us of any changes in name or telephone number if they move or wish to place a new telephone number on our "Do Not Call" list. This policy does not cover independent third parties, who may on their own initiative conduct telemarketing and/or telephone solicitation to solicit consumers for our products or services. If a consumer requests a copy of our "Do Not Call" policy, we will send a copy via U.S. Mail or electronic mail.

We intend to comply with all federal and state "Do Not Call" laws and regulations. If you have any questions or comments regarding our "Do Not Call" policy, you may contact us at:

Spectrum Direct Insurance Services, Inc.
Corporate Headquarters
27881 La Paz Road
Suite G-157
Laguna Niguel, CA 92677
800-706-8751

We reserve the right to change this privacy notice at any time. You agree to obtain annual notices of, and changes to, this privacy notice electronically by visiting this Site. Therefore, we encourage you to review this Site from time to time to review changes to our privacy notice.

The purpose of this site is for general information only, and should not be interpreted as financial or professional advice.Therefore, we will not be held liable for any damage or loss arising from accessing this site or the use of information to be found on its pages. Care is taken to make sure the content and information on this site is factual and up to date. However,we can accept no liability for any errors or omissions or the accuracy or completeness of this site, or any of its content.

In the event that there is a discrepancy between the information contained in the insurance rate quotes and any insurance company-authorized illustration and/or policy, the policy shall govern.

All materials and information in this site are provided "as is" and without warranties of any kind. By accessing this website, you agree that we will not be held liable for any loss or damage arising from the use of the information found here.

No coverage of any kind is bound by submitting information or receiving a quote

If users have any questions or suggestions regarding our privacy policy, please Contact Us.