Life Insurance Consensus Index is owned and operated by 3D Chess Media, LLC, a Nevada limited liability company. This Privacy Policy explains how we collect, use, disclose, and otherwise process information when you use LifeInsuranceConsensusIndex.com and related pages, forms, tools, communications, and services that link to this policy. References to “we,” “us,” and “our” refer to 3D Chess Media, LLC in connection with this publication.
The site primarily provides research and educational content. You generally do not need an account or need to provide personal information to read it. The information collected depends on how you interact with the site, including browsing, contacting us, submitting corrections, subscribing to communications, following commercial links, or using any quote or referral feature that may be offered.
Information you provide
You may provide your name, email address, organization, job title, telephone number, message, page links, supporting sources, or other information when contacting us. This may concern research, corrections, advertising, partnerships, media, or privacy requests. A correction request may include the relevant page, the statement in question, your proposed change, and a supporting source.
Do not send medical diagnoses or records, prescription information, laboratory results, genetic information, detailed health histories, Social Security numbers, insurance application information, or financial-account credentials through general contact channels unless a particular process expressly requests that information for a disclosed purpose. We do not need it for ordinary editorial or research inquiries.
Information collected automatically
We and our service providers may collect information about devices and website activity, including IP address, browser and device type, operating system, language, approximate location derived from IP address, referring URLs, pages viewed, links clicked, visit times, navigation, site searches, interactions, and device, advertising, or cookie identifiers.
Collection may involve cookies, pixels, tags, local storage, log files, analytics tools, or similar technologies. These may support site operation, preferences, usage and performance measurement, advertising, affiliate attribution, fraud prevention, and security. We may classify them as necessary, functional, analytics, or advertising and affiliate technologies. Optional technologies may be subject to consent or privacy choices where required.
Affiliate, quote, and referral information
When you follow certain commercial links, a third party may use cookies, tracking parameters, referral identifiers, click IDs, device or browser information, or similar attribution tools. If you later complete a qualifying action, we or an affiliate network may receive referral or conversion status, a transaction identifier, commission amount, product category, or conversion date. We generally do not need a full insurance application for affiliate attribution.
If quote, referral, or lead-generation features are offered, they may request contact information, age, date of birth, tobacco use, health history, coverage amount, or state. Some tools may be operated by third parties and may send information directly to them. Review the accompanying disclosures about the collector, purpose, applicable privacy policy, and potential recipients before submitting information.
Information from providers and partners
We may receive limited information from analytics providers, affiliate networks, advertising partners, email platforms, hosting and security providers, form providers, customer relationship management systems, research vendors, and other service providers. It may include aggregate traffic data, referral and conversion information, campaign data, technical information, or communication records.
How we use information
We may use information to operate the site and requested features, respond to communications, review corrections, manage research inquiries, maintain editorial records, improve content and performance, understand traffic, and identify technical problems. Other uses may include preventing fraud and abuse, maintaining security, administering affiliate and advertising relationships, measuring referrals and conversions, and communicating with business partners.
We may also use information to comply with legal obligations, enforce policies and agreements, protect our rights, maintain records, and resolve disputes.
Research and editorial information
Our research generally concerns AI-generated recommendations, carriers, products, recommendation frequency and position, citations, and publicly available information. It generally uses hypothetical consumer profiles rather than private visitor underwriting information. Personally identifiable visitor information and individual insurance applications are not intended inputs for our standard research process.
We publish professional information about editorial reviewer Chris Huntley, including his biography, prior insurance and publishing experience, business history, and reviewer role. This supports editorial transparency and is distinct from ordinary visitor analytics data.
Service providers and commercial disclosures
Vendors may process information on our behalf for hosting, content delivery, analytics, security, email, contact forms, customer relationship management, consent management, advertising, affiliate tracking, cloud storage, or research infrastructure. Affiliate networks and referral partners may exchange information needed to attribute referrals, measure conversions, calculate commissions, prevent fraud, or administer relationships.
If you affirmatively request a quote, referral, or contact from a licensed professional, submitted information may be provided to agencies, carriers, brokers, licensed professionals, quote providers, lead-generation platforms, or other disclosed partners. Review the relevant form or tool before submitting. Ordinary editorial contact channels are not intended for sensitive insurance-application transfers.
If advertising is used, providers may process cookie identifiers, device information, approximate location, browsing activity, and ad interactions, depending on privacy settings and applicable law. Advertising and affiliate compensation do not determine our underlying AI recommendation counts, rankings, or historical research data.
Legal, safety, and business disclosures
We may disclose information when we reasonably believe it is necessary to comply with law or legal process, protect our rights or users, investigate fraud, prevent abuse, maintain security, or enforce agreements. Information may also be transferred in a merger, acquisition, reorganization, financing, asset sale, bankruptcy, or similar transaction, subject to applicable law.
Sale, sharing, and targeted advertising
Life Insurance Consensus Index does not intend to sell personal information to third parties for direct monetary payment. Some privacy laws define sale, sharing, or targeted advertising more broadly, however. Certain advertising, analytics, or cross-site tracking arrangements may fall within those definitions even if no money is paid specifically for personal information. Where applicable, we provide controls relating to those activities.
Privacy rights by location
Depending on where you live and applicable law, rights may include access, correction, deletion, a copy or portable copy of information, information about disclosures, opt-outs from certain sales, sharing, targeted advertising, or profiling, limits on certain uses of sensitive information, withdrawal of consent, or an appeal. Rights may be subject to exceptions.
California residents may have rights to know, access, correct, delete, learn about categories collected, opt out of sale or sharing, limit certain uses of sensitive information, and exercise rights without discrimination, depending on how the law applies. Residents of other U.S. states may have additional rights, including portable copies and appeals. We process verified requests in accordance with applicable law.
Where applicable in the European Economic Area, United Kingdom, or similar jurisdictions, rights may include access, correction, erasure, restriction, objection, portability, withdrawal of consent, and complaints to a supervisory authority. Where required, processing relies on an appropriate basis such as consent, legitimate interests, contractual necessity, or legal obligation.
Submitting and verifying requests
Visit Your Privacy Choices or contact us to submit a privacy request. We may need to verify identity based on the request, the sensitivity of the information, and information already associated with you. We will not request more information than reasonably necessary for verification.
Where permitted, an authorized agent may submit a request, subject to proof of authorization, identity verification, or other legally permitted documentation. If applicable law provides an appeal right, instructions will be included with our response.
Cookie, browser, and communication choices
Use Cookie Preferences to review available optional cookie settings. Browser controls may also delete or block cookies, restrict tracking, or clear local storage. Blocking technologies may affect site features, and browser settings may not cover every advertising or affiliate technology.
Where legally required and technically applicable, we may recognize a valid Global Privacy Control signal as a request to opt out of certain sale or sharing activities. If we offer email subscriptions or marketing communications, you may unsubscribe through an email link, available preferences, or a request to us. Non-promotional messages needed to respond to an inquiry or fulfill a request may still be sent.
Retention and security
We retain information for as long as reasonably necessary to operate the website, respond to requests, maintain records, measure business activity, prevent fraud, resolve disputes, enforce agreements, or comply with legal obligations. Retention varies with the information, collection purpose, legal and business requirements, and security considerations.
We use reasonable administrative, technical, and organizational measures designed to protect information. No website, database, network, transmission, or storage system can be guaranteed completely secure. Exercise care when sending sensitive information online.
Sensitive information and health data
Some laws provide additional protections for health information, precise location, government identifiers, account credentials, certain demographic information, or other legally defined sensitive information. Our editorial and research functions generally do not need sensitive health data. Any future quote or lead service requiring underwriting information should use a specifically designed and disclosed process.
Publishing life insurance research does not generally make 3D Chess Media, LLC a healthcare provider, health plan, or healthcare clearinghouse. Information sent through ordinary contact channels should not be assumed to have the protections that may apply to health information held by a HIPAA-covered entity. Do not send detailed medical information unless expressly requested through an appropriate secure process.
Children and external services
The website is intended for adults researching life insurance and related financial topics and is not directed to children under 13. We do not knowingly collect personal information from children under 13 through ordinary website use. If we learn that such information was collected inappropriately, we may take steps to delete it.
Linked websites operate under their own policies, and we are not responsible for practices on sites we do not control. Embedded video, widgets, forms, social content, quote tools, or other features may also allow a third party to collect information when you interact with them, subject to appropriate controls where required.
International visitors and policy updates
We operate from the United States. Information may be transferred to and processed in the United States or other countries where providers operate, whose privacy laws may differ from those in your location.
We may update this policy as features, providers, legal requirements, commercial technologies, or practices change. Material changes will be reflected in the Last Updated date, with additional notice where legally required.
Contact and related policies
Contact us with questions about this policy or how 3D Chess Media, LLC handles personal information. This policy describes our privacy practices and is not legal advice.