How We Protect Your Information
At Life Settlement Labs, we ask for sensitive information—your health history, your age, details about your life insurance policy. We don't take that responsibility lightly.
This page explains, in plain language, how we collect, use, protect, and share your data.
What We Collect
When you use our valuation tools, you may provide:
- Contact information: Name, email, phone number
- Policy details: Insurance carrier, face value, premium amounts, policy type
- Health and lifestyle information: Age, gender, smoking status, medical history
We collect only what's necessary to generate an accurate valuation.
How We Use It
Your information is used for one purpose: estimating the secondary market value of your life insurance policy.
Specifically, we use your data to:
- Run actuarial models that estimate life expectancy
- Calculate projected premiums and policy sustainability
- Generate a preliminary valuation
- Connect you with a licensed provider if you choose to proceed
We do not use your data for unrelated marketing. We do not sell your information to advertisers. Ever.
Who Sees Your Information
Your data may be shared with:
- Licensed life settlement providers in our network, if you choose to move forward with a formal evaluation
- Service providers (such as cloud hosting and email platforms) who help us operate securely—these providers are contractually bound to protect your data
We do not share your information with anyone else unless required by law.
How We Protect It
Security Measure — What It Means
SSL/TLS Encryption — Data you submit is encrypted while traveling to our servers
Encrypted Storage — Your data is stored in encrypted databases with restricted access
Access Controls — Only authorized personnel can access sensitive information
No Unnecessary Retention — We retain your data only as long as needed to serve you or comply with legal requirements
A Note on HIPAA
Because Life Settlement Labs is not a healthcare provider, health plan, or medical clearinghouse, the information you submit is not technically classified as "Protected Health Information" under HIPAA.
However, we treat it as if it were. We apply the same rigorous security standards that healthcare organizations use, because your health information deserves that level of care—regardless of legal technicalities.
Your Rights
Depending on where you live, you may have the right to:
- Access the personal data we hold about you
- Correct inaccuracies in your information
- Delete your data from our systems
- Opt out of future communications
To exercise any of these rights, email us at: [email protected]
We respond to all requests within 30 days.
Questions?
If you have concerns about how we handle your data, we want to hear from you. Contact us at [email protected] or visit our full Privacy Policy for additional legal details.