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Life Insurance Consensus Index is owned and operated by 3D Chess Media, LLC, a Nevada limited liability company. This policy explains cookies and similar technologies that may be used on the site, along with the choices available to you. Some technologies support essential website functions; others support optional features, analytics, advertising, or affiliate attribution.
Cookies and similar technologies
Cookies are small text files stored in a browser or on a device. They can help a website remember preferences, maintain a session, understand visits, or attribute a referral. First-party cookies are set by the website or its infrastructure; third-party cookies are set by outside services.
This policy also covers technologies with similar purposes, including pixels, tags, scripts, local storage, browser storage, software development kits, server-side identifiers, referral parameters, and advertising identifiers. Session cookies are removed when a browser session ends; persistent cookies remain for a defined period or until deleted.
Necessary and functional technologies
Strictly necessary technologies support functions such as security, fraud prevention, network and session management, forms, basic operation, and privacy preference storage. They may remain active because they are needed to provide the website or a function you request.
Functional technologies can remember optional settings and interface choices or support enhanced features. Declining them may affect convenience features. Core public research should remain accessible without optional analytics or advertising cookies where applicable law requires a choice.
Analytics technologies
Analytics can help us understand which studies people read, how they move among pages, whether pages perform properly, and which research tools are useful. Information may include pages viewed, time spent, navigation paths, referral sources, browser and device types, approximate location, and interactions with site features.
Analytics information is generally used in aggregated or pseudonymous form where practical. Optional analytics technologies may be subject to consent or other privacy controls depending on applicable law and configuration.
Advertising and affiliate attribution
Advertising and affiliate technologies may support referral attribution, conversion measurement, campaign reporting, limits on repeated ads, and advertising delivery where permitted. When you follow a commercial link, a partner or affiliate network may use cookies, referral identifiers, URL parameters, or server-side attribution to recognize that the visit came from Life Insurance Consensus Index. A qualifying action may result in compensation.
Affiliate tracking does not affect AI recommendation counts, coverage, recommendation positions, consensus or category rankings, or editorial conclusions. A link can include attribution even without a traditional browser cookie.
Manage or withdraw your preferences
Use the cookie preference control on this page or the Cookie Preferences link in the footer to review available settings. The interface provides choices for optional technologies; strictly necessary technologies may remain active. Available controls may vary with the site configuration and applicable requirements.
Where processing relies on consent, you can change that choice later. Withdrawing consent generally affects future use of optional technologies and may not remove information already lawfully collected. Browser settings can also delete cookies, block them, restrict third-party cookies, or clear site data, although blocking technologies can affect website functions.
How preferences are remembered
A necessary cookie or similar storage may remember your privacy choices, avoiding repeated requests for the same preference. Choices may apply only to the browser or device on which you make them. Clearing cookies or site storage, changing browsers, using another device, or entering a private browsing session may require you to choose again.
Where legally appropriate, consent records may include status, date and time, selected categories, the policy version, and technical information needed to demonstrate compliance. Such records should be retained only as reasonably necessary.
Global Privacy Control and other privacy rights
Some browsers and privacy tools send a Global Privacy Control signal. Where applicable law requires recognition, the signal may be treated as a request to opt out of covered sale, sharing, or targeted advertising activities. Cookie controls and statutory privacy rights can overlap, but are not identical in every jurisdiction.
3D Chess Media, LLC does not intend to sell personal information for money in the ordinary meaning of the word. Some privacy laws define sale, sharing, or targeted advertising broadly enough to cover certain tracking arrangements. Your Privacy Choices explains rights that may extend beyond ordinary cookie settings.
Third-party services and communications
Services used for hosting, analytics, security, advertising, affiliate tracking, content delivery, spam prevention, consent management, forms, and email may use similar technologies under their own policies and arrangements. Embedded video, interactive tools, charts, or social content may also collect information when loaded. Optional embeds may be subject to consent where required.
Forms may use technologies for security, spam prevention, session continuity, and submission processing. If we send email communications, messages may include delivery, open, or click measurement where applicable. Information you voluntarily submit is addressed primarily by our Privacy Policy.
Research and sensitive information
Our research concerns AI responses, carriers, products, and hypothetical underwriting scenarios. That dataset is separate from ordinary visitor tracking. You should not need to provide personal medical information to read public consensus studies.
Do not send Social Security numbers, medical records, account passwords, payment-card information, or detailed insurance application information through ordinary contact channels unless specifically requested through an appropriate secure process. The site is intended for adults and is not directed toward children; we do not knowingly use advertising or analytics technologies to profile children.
Policy updates and questions
Providers, technology, functionality, and legal requirements may change over time, and we may update this policy accordingly. Consent interfaces and default choices may also differ by location and applicable law.
Contact us with questions about cookies, tracking technologies, or privacy preferences. Life Insurance Consensus Index is operated by 3D Chess Media, LLC in Nevada, United States.