PrivacyPolicy

Life Insurance by AltFTool collects information necessary to evaluate life insurance eligibility, perform underwriting assessments, manage policies, process claims, and maintain secure account services.

• Personal Identifiers: Full legal name, date of birth, mailing address, contact phone numbers, Social Security Number (for policy issuance), and email address.

• Medical & Health Data: Health questionnaire responses, medical history, lifestyle declarations, physician records, and underwriting lab results.

• Beneficiary Information: Full names, dates of birth, relationships, and contact details of designated policy beneficiaries.

• Financial & Payment Data: Bank account details, credit/debit card numbers processed via PCI-DSS compliant payment gateways, and premium billing preferences.

• Digital Usage Data: IP address, device type, browser settings, and interaction logs captured when navigating our digital portals or policy quote tools.

We use your personal and policy data strictly for legitimate life insurance service operations:

• Underwriting and pricing term life, whole life, universal life, and final expense policies.

• Verifying identity, medical eligibility, and beneficiary designations.

• Rapidly processing death benefit claims and disbursing funds to verified beneficiaries.

• Communicating policy premium statements, renewal notices, and policy changes.

• Preventing insurance fraud and complying with state insurance commission requirements.

We do NOT sell your personal information to third-party data brokers or marketing affiliates.

We share personal information only under strict confidentiality agreements with authorized entities:

• Reinsurance & Underwriting Partners: Licensed insurance carriers and reinsurers backing policy guarantees.

• Medical & Inspection Services: Authorized paramedical examiners and Medical Information Bureau (MIB) databases required for underwriting.

• Service Vendors: Trusted partners assisting with IT infrastructure, payment processing, and claims management.

• Legal Authorities: Insurance regulators or law enforcement when required by court order, subpoena, or law.

AltFTool employs bank-grade security protocols to safeguard your confidential policy information:

• All digital transmissions are encrypted using 256-bit Transport Layer Security (TLS/SSL).

• Sensitive health and financial database fields are stored encrypted at rest with multi-factor administrative controls.

• Regular third-party penetration testing and security audits are conducted to maintain platform integrity.

Depending on your state of residence (including California CCPA/CPRA, Texas, and Washington rights), you have the right to:

• Request access to the specific personal data we hold about your policy.

• Request correction of inaccurate personal or health information.

• Request deletion of non-essential personal information (subject to statutory policy retention obligations).

• Opt out of promotional email or SMS communications at any time.

If you have questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact our compliance desk:

• Email: privacy@altftool.com

• Phone: (800) 419-2285 (Mon-Fri 8am-6pm CT)

• Mail: Life Insurance by AltFTool, Attn: Privacy Compliance, 1120 Alder Row, Suite 400, Austin, TX 78701