Privacy Policy

1. Introduction

Philadelphia Life Insurance Company (“Philadelphia Life,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website at philadelphialifeinsurancecompany.com, request insurance quotes, submit coverage inquiries through our online cart, subscribe to our newsletter, contact us by email, or otherwise interact with our services.

Because we operate in the insurance industry, we may collect sensitive information related to your health, financial circumstances, and risk profile in order to evaluate coverage options, prepare illustrative quotes, and facilitate underwriting when you choose to proceed with a policy. We handle such information in accordance with applicable federal and state laws, including insurance privacy regulations and consumer data protection statutes where they apply.

By using our website or submitting information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our practices, please do not use our website or provide personal information to us.

2. Information We Collect

We collect information in several ways depending on how you interact with us. The categories of information we may collect include:

2.1 Information You Provide Directly

• Contact and identity information: Name, email address, and any other details you voluntarily include in contact forms, quote requests, newsletter sign-ups, or coverage cart submissions.
• Insurance inquiry information: Type of coverage requested, desired policy limits, deductible preferences, beneficiary details, and other information relevant to preparing a quote or coverage recommendation.
• Health and lifestyle information: When you request life or health insurance, you may provide information such as age, tobacco use, medical history summaries, height and weight, and similar underwriting-related details.
• Property and vehicle information: For home, auto, or business insurance inquiries, we may collect property characteristics, vehicle make and model, driving history summaries, and business operations details.
• Communications: Content of emails, messages, and other correspondence you send to us, including claims-related inquiries and customer service requests.
• Marketing preferences: Your newsletter subscription status, communication preferences, and unsubscribe selections.

2.2 Information Collected Automatically

• Device and usage data: IP address, browser type, operating system, referring URLs, pages viewed, time spent on pages, and general interaction patterns on our website.
• Cart and session data: Plans added to your coverage cart, session identifiers, and related browsing activity stored locally in your browser to improve your experience.
• Cookies and similar technologies: See Section 4 for details on cookies, analytics, and tracking technologies.

2.3 Information from Third Parties

With your authorization or as permitted by law, we may receive information from insurance carriers, reinsurers, consumer reporting agencies, public records databases, and marketing partners to verify information you provide, assess insurability, or improve the accuracy of quotes and recommendations. We use such information solely for legitimate insurance and business purposes.

3. How We Use Information

We use the information we collect for the following purposes:

• To respond to your inquiries, provide customer support, and communicate about your quote or coverage requests.
• To prepare illustrative insurance quotes, compare plan options, and connect you with licensed advisors who can discuss coverage in detail.
• To process coverage cart submissions and follow up regarding plans you have expressed interest in — noting that online submissions do not constitute a binding purchase.
• To evaluate eligibility for insurance products and, when you proceed with an application, to support underwriting, policy issuance, premium billing, and claims administration.
• To send newsletters, educational content, product updates, and promotional communications where you have opted in or where permitted by law.
• To improve our website, analyze usage trends, enhance security, and develop new features and services.
• To comply with legal obligations, respond to lawful requests from regulators or law enforcement, enforce our Terms of Service, and protect the rights, property, and safety of Philadelphia Life, our clients, and others.
• To detect, prevent, and address fraud, unauthorized access, and other harmful or illegal activity.

We do not sell your personal information for monetary consideration. We may share information as described in Section 5 and as required or permitted under applicable insurance and privacy laws.

4. Cookies & Tracking Technologies

Our website uses cookies, web beacons, local storage, and similar technologies to operate effectively and understand how visitors use our services.

4.1 Types of Cookies We Use

• Essential cookies: Required for core website functionality, such as maintaining your cart session and security features. These cannot be disabled without affecting site performance.
• Analytics cookies: Help us understand traffic patterns, popular pages, and user engagement so we can improve content and navigation.
• Preference cookies: Remember choices you make, such as form inputs or display settings, to provide a more personalized experience.
• Marketing cookies: Where enabled, these may be used to measure the effectiveness of campaigns and deliver relevant content. We limit marketing cookies to contexts where you have provided appropriate consent where required.

4.2 Your Cookie Choices

Most browsers allow you to refuse or delete cookies through settings. Disabling certain cookies may limit your ability to use features such as the coverage cart or saved form preferences. Where required by law, we provide mechanisms to manage non-essential cookie preferences.

We may use third-party analytics providers that collect aggregated, de-identified usage data. These providers are contractually restricted from using your information for purposes unrelated to providing services to us.

5. Sharing of Information

We share personal information only when necessary and appropriate. Categories of recipients may include:

• Licensed insurance professionals and internal teams who assist with quotes, applications, policy servicing, and claims support.
• Insurance carriers and underwriting partners when you request or apply for coverage, so they may evaluate risk, issue policies, and administer benefits.
• Service providers that perform functions on our behalf, such as website hosting, email delivery, analytics, data storage, and customer relationship management. These providers access information only to perform services for us and are bound by confidentiality obligations.
• Legal and regulatory authorities when required by law, subpoena, court order, or regulatory inquiry, or when disclosure is necessary to protect legal rights or public safety.
• Business transfers in connection with a merger, acquisition, reorganization, or sale of assets, subject to continued protection of your information as described in this policy.

We may share de-identified or aggregated information that cannot reasonably be used to identify you for research, industry analysis, and business improvement purposes.

6. Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission (TLS/SSL) for website communications, access controls limiting employee and vendor access to information on a need-to-know basis, secure storage environments, and regular review of our security practices.

No method of transmission over the Internet or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any account credentials and for notifying us promptly if you suspect unauthorized access to your information.

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory recordkeeping requirements applicable to insurance transactions, resolve disputes, and enforce our agreements. Retention periods vary based on the type of information and applicable law.

7. Your Rights (CCPA / US-Focused)

Depending on your state of residence, you may have certain rights regarding your personal information. Residents of California and other states with comprehensive privacy laws may have the following rights, subject to applicable exceptions:

• Right to know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, our business purposes for collection, and the categories of third parties with whom we share it.
• Right to access: Obtain a copy of personal information we maintain about you in a portable format where technically feasible.
• Right to delete: Request deletion of personal information we have collected from you, subject to exceptions such as completing a transaction, complying with legal obligations, or maintaining records required for insurance regulatory purposes.
• Right to correct: Request correction of inaccurate personal information we maintain about you.
• Right to opt out of sale or sharing: As stated above, we do not sell personal information for monetary consideration. Where “sharing” for cross-context behavioral advertising is defined under applicable law, you may have the right to opt out of such sharing where it occurs.
• Right to limit use of sensitive personal information: Where applicable, you may request that we limit the use of sensitive personal information to purposes permitted by law.
• Right to non-discrimination: We will not discriminate against you for exercising your privacy rights.

To submit a privacy rights request, email us at info@philadelphialifeinsurancecompany.com with the subject line “Privacy Rights Request.” We will verify your identity before processing requests and respond within the timeframe required by applicable law. You may designate an authorized agent to submit a request on your behalf by providing written authorization as required by law.

If you are covered by the Gramm-Leach-Bliley Act (GLBA) or state insurance privacy regulations in connection with an active insurance relationship, additional notices and rights may apply. We will provide any required insurance-specific privacy notices at the time of application or policy issuance.

8. Children’s Privacy

Our website and services are intended for adults age 18 and older. We do not knowingly collect personal information from children under 13 years of age. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us at info@philadelphialifeinsurancecompany.com, and we will take steps to delete such information promptly.

Information about minor dependents may be collected from a parent or legal guardian solely in connection with family insurance coverage requests, and only with appropriate authorization.

9. Third-Party Links

Our website may contain links to third-party websites, carrier portals, or external resources that are not operated by Philadelphia Life Insurance Company. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any external website you visit. We are not responsible for the content, privacy practices, or security of third-party sites.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we will update the “Last Updated” date at the top of this page and, where appropriate, provide additional notice such as a prominent website announcement or email notification to subscribers.

Your continued use of our website after the effective date of a revised policy constitutes acceptance of the updated terms, except where further consent is required by law.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Philadelphia Life Insurance Company
Email: info@philadelphialifeinsurancecompany.com

For newsletter-related privacy matters, you may also manage your preferences by visiting our Subscribe or Unsubscribe pages.