Privacy Policy

Effective Date: July 6, 2026

RateShop Life™ is a division of RateShop Financial LLC.

At RateShop Life, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website (rateshoplife.com), submit a quote request, or engage with our services.

Information Sharing

We never sell your personal information.

We only share your information in these limited situations:

With insurance carriers only if you choose to apply for coverage. We share the information needed, if you move forward, to issue a policy (examples: Mutual of Omaha, Gerber, TransAmerica, and other carriers we work with).
With service providers who help us communicate with you when needed (such as email, or phone systems).
When required by law (for example, to respond to a court order or legal request).

Text Messaging / SMS If you opt in to receive text messages, we may use your mobile number to send information related to your quote or coverage. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes and you may opt out at any time.

Information We Collect

We may collect the following types of information:

Contact information and communication records (name, phone, email, form submissions, phone calls, and emails) when you request a quote or contact us
Health, medical, and financial information only if you choose to apply for coverage (needed for carriers to underwrite)
Social Security Number only if you choose to apply for coverage (some carriers require it to issue a policy)

How We Use Your Information

We use your information solely to:

Provide life insurance quotes and policy comparisons
Communicate with you regarding your coverage needs
Process insurance applications with our carrier partners (only if you choose to apply)
Improve our services and customer experience
Comply with legal and regulatory requirements

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal and health information. However, no method of transmission over the internet is 100% secure.

Your Rights

You have the right to:

Access, correct, or delete your personal information
Opt out of certain communications
Withdraw consent where applicable

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

RateShop Financial LLC
Email: info@rateshoplife.com