Privacy Policy

At Able Benefit Group, we believe your privacy and the security of your information are critical. The following Privacy Policy details our information gathering, protection, and handling practices relating to using the website www.ablebenefitgroup.com. If you have questions or concerns about our privacy policy

Why we collect visitor information

There are two reasons why we collect visitor information on this site.

(1) Information is collected to provide real-time, accurate life insurance quotes.

(2) Information is collected to initiate the application request process or begin purchasing life insurance.

The only personally-identifying information collected on this site is provided by the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends. They are not used to track the usage patterns of individual users.

Information collected & how we use it

Insurance Quote Request Form

This site provides free life insurance quotes. To provide accurate quotes, we must collect certain information. That includes state of residence, date of birth, gender, height, weight, coverage amount desired, health classification of the proposed insured, and tobacco use. For simplified-issue and guaranteed issue life insurance quotes, other health information may also be required.

All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates, we must collect the data mentioned above.

Cookies

A cookie is a piece of data stored on a user’s computer tied to information about that user. None of the cookies this site uses are linked in any way to personally identifiable information.

This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user’s hard drive for an extended period. You can remove persistent cookies by following the “Help” directions provided by your browser. Cookies may be disabled at any time by following the “Help” directions provided by your browser.

Information collected by cookies is analyzed to determine the effectiveness of our site. Users that reject our cookies may still use our site.

Log Files

When visitors enter and navigate through the pages of our site, our server logs information, including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor’s browser, operating system, and screen resolution. We then analyze that data. Our goal is to understand better what our visitors are looking for and improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns or use these technologies to gather emails or personally identifiable information.

Communication with clients

Once a user has initiated a relationship with Able Benefit Group through this site, various forms of communication may ensue. They include

(1) contact by telephone

(2) contact by email;

(3) contact by mail

(4) contact by fax.

All contact is to help our clients apply for, purchase, or get life insurance or other forms of insurance (such as an annuity, medicare, dental). Contact will only come from an Able Benefit Group Agent or our processing staff.

If at any time you desire that we cease contact with you, please reply by email, telephone, mail, or fax, and we will immediately remove you from our database.

Your options

On Ablebenefitgroup.com

This site is open for public use without providing any personally identifiable information.

You explicitly initiate a relationship by providing your personally identifiable information on this site (as defined by the National Do Not Call Registry) with Able Benefit Group. You are inviting, consenting to, and requesting contact and information from us, which may be provided to you online, by phone, fax, email, or mail by Able Benefit Group or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent.

If you desire that we cease contact with you at any time, we will honor your request to place you on our internal “Do Not Contact” list.

Email

Once a user has initiated a relationship with Able Benefit Group through the site, various forms of communications may take place, as follows:

1. Contact by telephone

2. Contact by email

3. Contact by mail

4. Contact by fax.

Cookies

You may disable cookies on your browser at any time by following the directions provided to you by your browser.

Update/Change Personal Information

If you would like to update or change the personal information we have on file for you, don’t hesitate to get in touch with us at 267.275.9516.

Carrier, partner, vendor, and affiliate privacy policies

Able Benefit Group may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in your purchase of insurance. Able Benefit Group is not responsible for these third-party companies’ privacy policies or procedures or any loss or breach of data through these third-party systems. Please get in touch with these individual organizations with questions regarding their Privacy Policies.

Spam policy

Able Benefit Group does not spam.

Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. Suppose you receive an email from Able Benefit Group. In that case, it is because (1) you expressly shared your email address with us to receive information in the future (also known as “opt-in”), or (2) you have purchased from us or have a current relationship with us.

By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information.

You can unsubscribe from our email mailing list at any time by clicking on the “unsubscribe” link at the bottom of any one of our emails. You can also do so by replying to the email with the subject line, “unsubscribe.”

Privacy policy updates

This Privacy Policy may be updated at any time. Able Benefit Group is always looking for new and safer ways to protect our clients’ information. Consequently, this Privacy Policy may be updated to reflect those changes. We suggest that you review this Privacy Policy each time you use this site.

If you have any questions regarding this document, our procedures, and policies, this site, or your relationship with us, please contact us at the address below.

Able Benefit Group

P.O. Box 317

Levittown Pa 19057

267-275-9516