Last updated: August 12, 2026This Privacy Policy explains how TermLifeInsuranceCalculator.com (“we,” “us,” or “our”) collects, uses, shares, and protects information when you visit or interact with this website.By using TermLifeInsuranceCalculator.com, you acknowledge the practices described in this Privacy Policy.Information You ProvideWe may collect information you voluntarily provide through calculators, forms, quote requests, email messages, or other website features. Depending on how you use the website, this information may include:- Name- Email address- Telephone number- State or ZIP code- Age or date-of-birth range- Sex or gender- Nicotine or tobacco-use status- General health category- Income- Mortgage balance- Debts and financial obligations- Existing life insurance coverage- Number of children or dependents- Desired coverage amount- Desired policy term- Other information included in a message or formDo not submit Social Security numbers, medical records, payment-card information, account passwords, or other highly sensitive information through our general calculator or contact forms.Calculator InformationInformation entered into the calculator may be processed to produce an estimated coverage amount or premium range.Depending on the calculator’s configuration, some information may be processed within your browser without being permanently stored by us. However, information submitted through a quote, contact, email-capture, or partner form may be stored, transmitted, or shared as described in this policy.Calculator results are estimates only and are not official insurance quotes or underwriting decisions.Information Collected AutomaticallyWhen you visit the website, we and our service providers may automatically collect certain technical and usage information, including:- Internet Protocol address- Browser and device type- Operating system- Referring website or search engine- Pages viewed- Links and buttons clicked- Date and time of visits- Approximate geographic location- Time spent on the website- Device identifiers- Cookie and tracking informationThis information may be collected through cookies, pixels, tags, analytics software, server logs, affiliate tracking links, and similar technologies.Cookies and Similar TechnologiesCookies are small files placed on your device to support website functionality, remember preferences, measure traffic, prevent fraud, and track advertising or affiliate referrals.We and third parties may use:- Essential cookies required for website operation- Analytics cookies used to understand website traffic- Preference cookies used to remember settings- Advertising cookies used to measure or personalize advertisements- Affiliate cookies used to identify referrals and attribute commissionsYou can restrict or delete cookies through your browser settings. Blocking certain cookies may affect website functionality.Where required by applicable law, we may ask for consent before using nonessential cookies.Analytics and Advertising ServicesWe may use analytics and advertising services, including services provided by Google or similar companies, to understand website performance, measure traffic, display advertising, and improve the website.These providers may collect information through cookies and similar technologies according to their own privacy policies. You may be able to limit personalized advertising through your browser, device, advertising-provider settings, or an available cookie-consent tool.Affiliate LinksSome links on this website may be affiliate or tracking links. When you click one of these links, the destination provider or affiliate network may collect information about the referral and your activity.We may receive compensation if you click a link, submit information, request a quote, apply for insurance, or purchase a product or service.Affiliate providers and networks process information under their own privacy policies.Quote Requests and Lead InformationIf you request an insurance quote, ask to speak with an insurance professional, or submit information through a lead form, we may share or transfer your information to insurance companies, agencies, brokers, licensed agents, lead purchasers, marketing partners, or service providers that assist with your request.We or a third party may receive compensation for this referral or transfer.The receiving parties may use your information to:- Contact you about insurance products or services- Prepare or discuss potential quotes- Determine whether products may be available- Verify the information you provided- Follow up on your request- Conduct marketing as permitted by applicable law and your consentBefore submitting a form, review the disclosure and consent language displayed with that form. If a form authorizes telephone calls, automated dialing, prerecorded messages, emails, or text messages, your consent will be governed by that specific language.Consent to receive marketing communications should not be treated as a condition of purchasing insurance unless the form clearly and lawfully states otherwise.How We Use InformationWe may use collected information to:- Operate, maintain, and improve the website- Generate requested calculator results- Respond to questions and messages- Process quote or information requests- Connect visitors with third-party providers- Measure website traffic and performance- Track affiliate referrals- Display and evaluate advertisements- Detect fraud, abuse, and technical problems- Protect the website and its users- Comply with legal obligations- Enforce our Terms of UseHow We Share InformationWe may share information with:- Insurance companies, agencies, brokers, and licensed agents- Lead purchasers and referral partners- Affiliate networks and advertisers- Website hosting, form, email, analytics, security, and technology providers- Professional advisers- Government authorities or other parties when required by law- A purchaser, successor, or partner involved in a merger, acquisition, financing, reorganization, or sale of website assetsWe may also share aggregated or de-identified information that does not reasonably identify a particular individual.We do not permit third parties to use information contrary to applicable law, but their handling of information is also governed by their own agreements and privacy policies.Sale or Sharing of Personal InformationCertain transfers of lead information, advertising data, or affiliate-tracking information may be considered a “sale,” “sharing,” or use for targeted advertising under some state privacy laws, even when money is not exchanged directly for personal information.Residents of states that provide applicable opt-out rights may contact us at support@termlifeinsurancecalculator.com with the subject line “Privacy Request.”Please specify your state of residence and the right you wish to exercise.Data RetentionWe may retain information for as long as reasonably necessary to fulfill the purposes described in this policy, operate the website, maintain business and tax records, resolve disputes, prevent fraud, and comply with legal obligations.Retention periods may vary based on the type of information and how it was collected. Third-party providers maintain information according to their own retention policies.Data SecurityWe use reasonable administrative, technical, and organizational measures intended to protect information. However, no website, transmission method, or storage system can be guaranteed to be completely secure.You submit information at your own risk and should avoid sending highly sensitive information through unsecured forms or email.Your Choices and Privacy RightsDepending on your location and applicable law, you may have the right to:- Request access to personal information- Request correction of inaccurate information- Request deletion of information- Request a copy of certain information- Opt out of certain sales, sharing, or targeted advertising- Withdraw consent where processing is based on consent- Appeal the denial of a privacy request- Receive equal service without unlawful discrimination for exercising privacy rightsThese rights are subject to legal limitations and verification requirements.To submit a request, email support@termlifeinsurancecalculator.com with the subject line “Privacy Request.” Include enough information for us to identify and respond to the request, but do not email sensitive identification documents unless specifically and securely requested.We may need to verify your identity before completing a request. An authorized agent may submit a request where permitted by law, subject to proof of authorization.Marketing CommunicationsYou can unsubscribe from marketing emails by using the unsubscribe link included in the message or by contacting the sender.You may request that calls or text messages stop by following the instructions provided in the communication or by contacting the company that sent them.Because independent third parties may receive submitted lead information, you may need to send opt-out requests directly to each company that contacts you.Do Not Track and Preference SignalsSome browsers offer “Do Not Track” settings. There is currently no universally accepted standard for responding to these signals.Where required by applicable law and supported by our systems, we may process recognized browser-based opt-out preference signals, such as Global Privacy Control.Third-Party WebsitesThis website may contain links to third-party websites. We are not responsible for the privacy, security, content, or business practices of third parties.Review the privacy policy of any provider before submitting personal information or purchasing a product.Children’s PrivacyTermLifeInsuranceCalculator.com is intended for adults and is not directed toward children under 13. We do not knowingly collect personal information from children under 13.If you believe a child has provided personal information through this website, contact us so that we can investigate and delete it where appropriate.Visitors Outside the United StatesThis website is primarily intended for users located in the United States. If you access it from another country, your information may be processed in the United States or other locations where our service providers operate.Data-protection laws in those locations may differ from the laws of your country.Changes to This Privacy PolicyWe may update this Privacy Policy to reflect changes to the website, our business practices, third-party services, or legal requirements.The updated policy will be posted on this page with a revised “Last updated” date.Contact UsFor questions or privacy requests, contact:TermLifeInsuranceCalculator.comEmail: support@termlifeinsurancecalculator.com