Marketing and Web Privacy Notice

We are committed to protecting Personal Information that you share with us and that we collect from our websites, mobile applications, or controlled widgets embedded in communication platforms with a link to this Privacy Policy ("Sites"). We are committed to maintaining transparent practices and explaining how we collect, process, and share that information. Protecting your privacy is very important to us.

This privacy notice explains how and why My Life Covered, LLC and its affiliates ("My Life Covered", "we" or "us") collect and use Personal Information. A list and description of My Life Covered's affiliates and brands are available at MyLifeCoveredAgency.com.

Who is My Life Covered?

My Life Covered, LLC is an insurance agency licensed to sell life and health insurance and designed to educate, inspire, and help individuals obtain the right life insurance coverage at the right price. My Life Covered Agency works as a brokerage to sell life insurance through our in-house brands and through partnership with multiple top-rated insurance carriers. MyLifeCoveredAgency.com is the marketing and sales site of My Life Covered. Our agency and advisors are licensed to sell life and health insurance in 49 states and the District of Columbia. The agency is not licensed in New York.

This Privacy Notice sets out:

• What Personal Information we may collect and hold;
• The purposes for which your Personal Information may be collected, held, used and disclosed;
• How we collect and hold your Personal Information;
• How we protect your Personal Information;
• Who we may share your Personal Information to (including overseas recipients);
• How you may access and correct your Personal Information; and
• How you can contact us.

Application of Local Laws

My Life Covered will handle Personal Information in accordance with local law at the place where the Personal Information is collected. If applicable law provides for a lower level of protection of Personal Information than that established by this privacy notice, then this privacy notice shall prevail.

What do we mean by "Personal Information"?

Personal Information means information, or a combination of pieces of information, that could reasonably allow an individual to be identified.

How do we collect Personal Information?

We collect your Personal Information from websites, mobile applications, or controlled widgets embedded in communication platforms with a link to this Privacy Policy ("Sites"). We or our vendors use several common online tracking tools to collect this information, such as browser and flash cookies, web beacons and other, similar technologies. The information we collect includes IP addresses, the number of page visits, pages viewed via our Sites, search engine referrals, browsing activities over time and across other websites following your visit to one of our Sites or applications, and responses to direct email marketing campaigns.

If you are employed by a business client of My Life Covered, your business contact information is collected either directly from you or through information provided by your employer, where permitted by law.

We may also collect Personal Information that you voluntarily provide to us. Certain secure web areas enable or require you to provide Personal Information when you use specific features on our Site. For example, we collect Personal information from you when you:

• Request that an advisor contact you; and
• Submit a customer service request form.

If you cannot or choose not to provide us with Personal Information we reasonably require, we may be unable to provide you with the information or services you have requested.

Cookies and Web Beacons

Our websites also use cookies and web beacons to collect and store information.

Cookies are pieces of information that a website sends to your computer while you are viewing the website. We use cookies for a variety of purposes. To view and change your privacy settings with regard to browser and flash cookies, please see the "My Life Covered Privacy Settings" located on the bottom of the page at www.MyLifeCoveredAgency.com.

Web beacons are small pieces of data that are embedded in images on the pages of websites and in our email communications. We also use these web beacons to analyze the traffic patterns, such as the frequency users visit various areas of our websites. These technical methods may involve transmitting information either directly to us or to another entity authorized by us to collect information on our behalf. We also use web beacons in HTML e-mails that we send our visitors to determine whether our visitors have opened those e-mails or clicked on links in those e-mails.

What types of Personal Information do we collect?

The type of information we may collect and process may include any of the below (where permitted by law):

• Name
• Social security number
• Street address
• Policy number (if applicable)
• Insurance Service Account number (if applicable)
• Phone number
• Email address
• Opt-In/Opt-Out choice
• Analytics (Pages viewed via our Sites, search engine referrals, browsing activities over time and across other websites following your visit to one of our Sites or applications)

Do we process any sensitive Personal Information?

My Life Covered does not collect or process any Sensitive Personal Information collected under this Web Privacy Notice.

For what purposes do we use your Personal Information?

We use your Personal Information:

• For marketing purposes;
• To analyze the effectiveness of our promotional content; and
• To determine whether you might be interested in new products or services to perform administrative activities in connection with our services.

The Personal Information we collect from you when you visit our site is used:

• To identify new visitors to our Sites;
• To recognize returning visitors; and
• To better understand our audience, customers, or other Site visitors.

Does My Life Covered sell your Personal Information?

My Life Covered does not sell your personal information collected under this Web Privacy Notice.

Marketing Preferences

We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you. We will rely on consent via opt-in or our business relationship with you for our marketing communications. If you no longer want to receive marketing-related e-mails from My Life Covered on a going-forward basis, you may opt out of receiving these marketing-related emails by clicking on the link to "unsubscribe" provided in each e-mail or by contacting us at the contact information under the "Contact Us" section of this notice. We will endeavor to comply with your opt-out request(s) within a reasonable time period.

Our ability to obtain and process your Personal Information for web interactions is based on consent via your cookies settings when set to Active on the site via "My Life Covered Privacy Settings" at www.MyLifeCoveredAgency.com. See the "Cookies and Web Beacons" section above.

With whom do we share Personal Information?

We may share your Personal Information with third parties under the following circumstances:

• My Life Covered group companies. We may share your Personal Information with group companies who may use this information for the purposes described in this privacy notice.
• Service providers. We may share your person information with service providers that perform services and other business operations for us, for example, electronic communications providers, event planners, IT and analytics providers.
• Any law enforcement agency, court, regulator, government authority or professional body. We may share your Personal Information with these parties where we believe this is necessary to comply with a legal or regulatory obligation, or otherwise to protect our rights or the rights of any third party.

What rights do individuals have in relation to the information we hold?

You have certain rights regarding your Personal Information, subject to local law. These include the right to:

• Access your Personal Information;
• Rectify the information we hold about you;
• Erase your Personal Information;

Please note that we will likely require additional information from you in order to honor your requests.

To exercise your rights, you may use our online contact form, or contact us directly using the contact details provided below.

How do we protect Personal Information?

We implement technical and organizational measures to ensure a level of security appropriate to the risk to the Personal Information we process. These measures are aimed at ensuring the on-going integrity and confidentiality of Personal Information. We evaluate these measures on a regular basis to ensure the security of the processing.

How long do we retain Personal Information for?

We retain Personal Information for a period of time that reasonably allows us to investigate, commence or defend legal claims brought by or against us or our clients, comply with our regulatory obligations and conduct analysis. We securely destroy Personal Information when its retention period has expired.

We may retain aggregated or anonymized data (which is not treated as Personal Information under this privacy notice) for longer.

Contact us

If you have questions or concerns regarding the way in which your Personal Information has been used, please e-mail us at privacy@RGAre.com or call or write to us. Our address is:

Our United States postal address is:
My Life Covered
Attn.: Global Privacy Office
16600 Swingley Ridge Road
Chesterfield, Missouri 63017-1706

Our telephone number is:
+1 (636) 736-7000 (United States)

How do we make changes to this privacy notice?

You may request a copy of this privacy notice from us using the contact details set out above. We may modify or update this privacy notice from time to time. If we make a significant change to this privacy notice, we will post a notice about this on our website, and we may provide the notice directly to you.

You will be able to see when we last updated the privacy notice because we will include a revision date, shown below.

Last Updated: September 2020

My Life Covered, LLC Website Terms of Use

My Life Covered LLC ("MLC", "we," "our," or "us") makes this website (this "Site") available for your use subject to these Terms of Use (this "Agreement"). By accessing and using this Site, you agree to be bound by the terms and conditions of this Agreement.

1. OUR SERVICES

   1. What We Do. MLC is an insurance agency licensed to sell life and health insurance and designed to educate, inspire and help individuals obtain the right life insurance coverage at the right price. MLC works as a brokerage to sell life insurance through our in-house brands and through partnership with multiple top-rated insurance carriers. MyLifeCoveredAgency.com is the marketing and sales site of MLC. Our agency and advisors are licensed to sell life and health insurance in forty-nine states and the District of Columbia. Our agency is not licensed in New York.
   2. Submission of Information. If you provide or submit any information, data, files or other materials (collectively, "Information") to us through this Site, we will use such Information for the limited purposes of: (a) providing you the information, content, services and products you requested through our Site; (b) providing, protecting and maintaining our Site, (c) complying with law enforcement and our obligations under applicable law and (d) carrying out any other MLC commercial purpose subject to applicable law. Except as otherwise expressly set forth in this Agreement, you are and shall at all times remain the exclusive owner of all right, title and interest in and to the Information you provide or make available to us through this Site. Under no circumstances will we be liable in any way for Information or for any loss or damage of any kind incurred as a result of the transmission of any of Information through our Site.
   3. Information.
      1. To receive a quote or other information or materials from MLC, you may submit certain Information as agreed upon by you and us. Notwithstanding the foregoing, you may not provide or transmit any Information that (a) violates or infringes the proprietary, privacy, publicity, or intellectual property rights of any third party or (b) violates any applicable law, statute, ordinance, or regulation. Further, you acknowledge and agree that, unless specifically requested by us in writing, you will not provide any Information that contains Restricted Data (as defined below). Without limitation of the foregoing, by providing Information to us via this Site, you understand and agree that you do so at your own risk.
      2. "Restricted Data" means: (i) "personal information" or "personal identifying information" (as defined in applicable state security breach notification laws), (ii) personal information that includes all "nonpublic personal information" (as defined under the Gramm-Leach-Bliley Act), (iii) "protected health information" (as defined under the Health and Insurance Portability and Accountability Act), (iv) "Personal Information" (as defined under the Children's Online Privacy Protection Act), or (v) any other data or information that may require special treatment or handling in accordance with applicable laws and regulations.
   4. Your Representations. You represent and warrant that (a) you have the full power and authority to enter into and perform your obligations under this Agreement and (b) all Information you submit to us, if any, is accurate and complete to the best of your knowledge.

2. OUR SITE

   1. Site Ownership. Our Site may include or provide access to information, software, photos, videos, text, graphics, music, sounds, and other material or information provided by us or third parties (collectively, "Content") that are protected by copyrights, patents, trademarks, trade secrets, or other intellectual property laws. You understand and agree that as between you and MLC, MLC, together with our affiliates and third party licensors, owns all of the right, title, and interest in and to all Content as expressed in any form, media, or technology existing now or developed in the future, and all Intellectual Property Rights contained therein."Intellectual Property Rights" means any and all registered and unregistered rights granted, applied for or otherwise now or hereafter in existence under or related to any patent (including all reissues, divisions, continuations, and extensions thereof), copyright, trade name, trademark, service mark, logo, trade dress, trade secret, mask work, rights in technology, know-how, rights in content (including performance and synchronization rights), database protection, or other right in or to intellectual property that are in each case protected under the laws of any governmental authority having jurisdiction.
   2. Products. Not all of the products or services described on this Site are available in all states. You may not be eligible for all products and services and we reserve the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this Site related to such products and services may provide additional information about terms, conditions, representations, agreements, eligibility, and availability.
   3. Links; Third Party Materials. Our Site may include material owned or licensed by third parties, as well as open source software, and links to websites owned by third parties (collectively, "Third Party Materials"). MLC uses commercially reasonable efforts to maintain the Third Party Materials provided through this Site, but disclaims any liability or obligation to you in respect of your right to use of Third Party Materials. Therefore, you acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, in connection with, resulting from your use of or reliance on any Third Party Materials available on or through this Site. For the avoidance of doubt, any Third Party Materials are provided strictly "AS IS" without warranty of any kind to the extent permitted by applicable law. To the extent available, we strongly encourage you to review any separate terms of use and privacy policies governing use of Third Party Materials.
   4. User Feedback. We welcome your suggestions, feedback, ideas, concepts, comments, illustrations, and other materials regarding our Site or any of our other services (collectively, "Feedback"). Your Feedback will become our property upon your submission to us. By submitting your Feedback to us, you agree to assign, and hereby irrevocably assign to us, all right, title, and interest in and to the Feedback and all copyrights and other Intellectual Property Rights embodied in such Submissions on a worldwide basis. We will be free to use, copy, distribute, publish and modify your Feedback on an unrestricted basis, without compensation or notice to you. Moreover, you hereby assign or waive, as the case may be, any moral rights that you may have in or to the Feedback.
   5. Use Restrictions. You may not:
      1. copy, reproduce, change, disassemble, reverse engineer, decrypt, frame or translate any part of this Site;
      2. use this Site or our Content to develop a competing service or product or otherwise to gain competitive intelligence about us or any product or service offered by MLC or our affiliates;
      3. use any device, software, malicious code or destructive routine intended to damage, disable, interfere with the proper functioning of or permit unauthorized access to this Site or the servers or networks connected to this Site or take any other action that interferes with any other person’s use of this Site;
      4. encourage or facilitate any illegal activities, or post, upload, or transmit anything that is obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity; or
      5. use this Site in any way that otherwise violates this Agreement or applicable law.

3. DISCLAIMER AND LIMITATION OF LIABILITY

   1. Disclaimer. To the maximum extent permitted by law, this Site is provided "as is" and "as available", and at your sole risk. We expressly disclaim all warranties of any kind, whether express or implied, including, without limitation, the implied warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement. Without limitation, we make no warranty that this Site will meet your requirements, that use of the foregoing will be uninterrupted, timely, secure, or error-free, that defects in the operation or functionality and any content or information found on this Site will be accurate or reliable, that defects in the operation or functionality of this Site will be corrected, virus-free, or that the quality of information, content, or other materials obtained through this Site will meet your expectations. Some jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above limitations may not apply to you.
   2. Limitation of Liability. UNDER NO CIRCUMSTANCES SHALL MLC OR OUR AFFILIATES BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR INCIDENTAL LOSSES OR DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS SITE. IF YOU ARE DISSATISFIED WITH THIS SITE OR THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS SITE. IN ANY EVENT, THE TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THIS AGREEMENT FOR THE USE OF THIS SITE IN ANY MANNER WHATSOEVER SHALL BE LIMITED TO ONE HUNDRED DOLLARS ($100.00).
   3. For California Residents. IF YOU ARE A CALIFORNIA RESIDENT OR COULD OTHERWISE CLAIM THE PROTECTIONS OF CALIFORNIA LAW, YOU FURTHER EXPRESSLY WAIVE THE PROVISIONS OF SECTION 1542 OF THE CALIFORNIA CIVIL CODE, WHICH READS AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO THE CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE WHICH, IF KNOWN BY HIM OR HER, MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND SECTION 1542 OF THE CALIFORNIA CIVIL CODE, AND YOU HEREBY EXPRESSLY WAIVE AND RELINQUISH ALL RIGHTS AND BENEFITS UNDER THAT SECTION AND ANY LAW OF ANY JURISDICTION OF SIMILAR EFFECT WITH RESPECT TO YOUR RELEASE OF ANY CLAIMS YOU MAY HAVE AGAINST US.

4. Miscellaneous

   1. Term, Termination, and Suspension. This Agreement shall remain in effect until terminated as set forth herein. We may terminate or suspend this Agreement and your right to use and access this Site in the event you breach any of the terms of this Agreement. All provisions of this Agreement which reasonably should survive termination will do so. By way of example but not of limitation, all obligations regarding confidentiality shall survive the termination of this Agreement. Termination of this Agreement is not our exclusive remedy and all other remedies will be available to us. You agree that we may suspend your access to this Site without liability if: (i) we reasonably believe that this Site is being used in violation of this Agreement; (ii) you do not cooperate with our reasonable investigation of any suspected violation of this Agreement; (iii) there is an event for which we reasonably believe that the suspension of access to this Site is necessary to protect the network or other customers of MLC or our affiliates; or (iv) if required by law.
   2. Governing Law. This Agreement will be governed by and construed, interpreted, and enforced in accordance with the laws of the State of Missouri, without reference to its conflicts or choice of law principles.
   3. Privacy. We collect, store, and use personal information collected from you in accordance with our Privacy Notice, which is incorporated into this Agreement by reference.
   4. Entire Agreement. This Agreement, including the agreements and policies incorporated or referenced herein, constitutes the entire agreement between you and MLC with respect to the subject matter hereof and supersedes all prior agreements, both oral and written, with respect to the subject matter hereof. Our failure to enforce any provision of this Agreement will not be deemed to be a waiver of our right to enforce such provision or any other provision in this Agreement. If any term or provision of this Agreement will be held to be invalid, illegal, or unenforceable, the remaining terms and provisions of this Agreement will remain in full force and effect, and such invalid, illegal, or unenforceable term or provision will be deemed not to be part of this Agreement. We may revise and update this Agreement from time to time, and will post the updated Agreement to this Site. UNLESS OTHERWISE STATED IN THE AMENDED VERSION OF THIS AGREEMENT, ANY CHANGES TO THIS AGREEMENT WILL APPLY IMMEDIATELY UPON POSTING. Although we are not obligated to provide you with notice of any changes, any changes to this Agreement will not apply retroactively to events that occurred prior to such changes. Your continued use of this Site will constitute your agreement to any new provisions within the revised Agreement.
   5. Equitable Relief. You agree that breach of the provisions of this Agreement may cause irreparable harm to us which may be both difficult to ascertain and which may not be compensable by damages alone. As such, you agree that we have the right to enforce the provisions of this Agreement by injunction (without necessity of posting bond or proving actual damages), specific performance, or other equitable relief without prejudice to any other rights and remedies we may have for your breach of this Agreement.
   6. Assignment. You may not assign, transfer, or sell (voluntarily or by operation of law) your rights or obligations under this Agreement, nor delegate your duties hereunder to any other person or entity, without our prior written consent. Any purported assignment without our consent will be void. We may assign this Agreement or delegate or subcontract our obligations under this Agreement at any time.
   7. Survival. The provisions of this Agreement that by their content are intended to survive the expiration or termination of this Agreement, including, without limitation, provisions governing ownership and use of intellectual property, disclaimers, liability, indemnification, governing law, jurisdiction, venue, remedies, rights after termination, and interpretation of this Agreement, will survive the expiration or termination of this Agreement for their full statutory period.
   8. Contact Us. With questions, email info@mylifecoveredagency.com or submit your question through our support services help desk at 636-728-9447. You can also write to us at: 16600 Swingley Ridge Road, Chesterfield, Missouri 63017, to the attention of My Life Covered LLC.

Last Updated: October 2020