1. Who we are

Prime Life Rates (“Prime Life Rates,” “we,” “us,” or “our”) is a website operated by Alcindor Corp, an independent life insurance brokerage. We help consumers compare life insurance quotes from multiple third-party insurance carriers. We are licensed and contracted in 49 states; we do not currently transact business in New York.

This policy applies to www.primeliferates.com and to the quote requests you submit through it. If you do not agree with this policy, please do not use the site or submit a quote request.

2. Information we collect

Information you give us

When you complete our quote form, we collect the information you enter, which may include:

• Contact and identity details — first and last name, email address, phone number, ZIP code, date of birth, and gender.
• Coverage preferences — the coverage amount you are seeking, policy type of interest, and your reasons for seeking coverage.
• Health-related details — tobacco use, height, and weight. We collect this because life insurance carriers price coverage based on these factors.
• Anything else you choose to send us — for example, the contents of an email you send to our team.

Information collected automatically

When you visit the site, we and our advertising and analytics partners may automatically collect technical information such as your IP address, browser type and version, device type, operating system, referring URL, the pages you view, and the dates and times of your visits. This is collected through cookies and similar technologies described in Sections 5 and 6.

3. How we use your information

We use the information we collect to:

• Prepare and deliver the life insurance quotes you request.
• Contact you by phone, email, or text about your request, including follow-up from a licensed agent.
• Submit your information to insurance carriers and their agents so they can underwrite and quote coverage.
• Respond to your questions and provide customer service.
• Operate, maintain, secure, and improve our website and services.
• Measure and improve our advertising, including on Facebook and Instagram.
• Detect and prevent fraud, abuse, and other unlawful activity.
• Comply with our legal, regulatory, and insurance-licensing obligations.

We do not use your health-related information to make automated decisions about you, and we do not use it for advertising targeting.

4. How we share your information

We share personal information in the following circumstances:

• Insurance carriers and licensed agents. This is the core of our service. To obtain quotes, we share your request with one or more of the carriers we work with, and with licensed agents who may contact you about coverage. These parties handle your information under their own privacy policies.
• Service providers. Vendors who host our website, deliver our email, and provide similar operational support, acting on our instructions.
• Advertising and analytics partners. As described in Section 5.
• Legal and safety. When required by law, subpoena, regulator, or court order, or to protect the rights, property, or safety of Prime Life Rates, our customers, or others.
• Business transfers. In connection with a merger, acquisition, financing, or sale of assets, your information may be transferred as a business asset.

We do not sell your health-related information, and we do not share your information with unrelated third parties for their own independent marketing purposes except as described in this policy.

5. Advertising, analytics & the Meta Pixel

We advertise on third-party platforms, including Facebook and Instagram (Meta Platforms, Inc.). To measure whether our ads work and to reach relevant audiences, we use the Meta Pixel and similar advertising and analytics technologies on this website.

These tools may collect information such as your IP address, browser and device information, the pages you view, and the actions you take on our site — for example, starting or completing a quote request. This information may be shared with Meta and matched to a Meta account if you have one, and may be used to:

• Measure and report on the performance of our ads.
• Show you our ads on Facebook, Instagram, and other platforms, including after you leave our site (commonly called retargeting).
• Build audiences of people who may be interested in our services.

Meta processes this information under its own terms. You can read more in the Meta Privacy Policy, and you can control how Meta uses your data for advertising in your Meta Ad Preferences.

We do not send special categories of information — including the health-related details you provide in our quote form — to advertising platforms.

6. Cookies & tracking technologies

Cookies are small files stored on your device. We and our partners use cookies, pixels, and similar technologies to keep the site working correctly, remember your preferences, understand how the site is used, and support the advertising described above.

Most browsers let you refuse or delete cookies through their settings. Blocking cookies may affect how parts of this site function. You can also opt out of interest-based advertising from participating companies through the Digital Advertising Alliance or the Network Advertising Initiative.

Spam protection (Google reCAPTCHA)

To protect our quote form from automated abuse, this site uses Google reCAPTCHA v3. reCAPTCHA runs invisibly in the background and never asks you to solve puzzles or tick a checkbox. To tell real people apart from automated scripts, it collects hardware and software information — such as device and application data, your IP address, and how you interact with the page — and sends it to Google for analysis.

This information is used to provide, maintain and improve reCAPTCHA and for general security purposes. It is not used by us to personalize advertising to you. Your use of reCAPTCHA is subject to the Google Privacy Policy and Terms of Service.

7. Calls, texts & your consent

When you submit a quote request and provide your phone number, you consent to be contacted by Prime Life Rates and the licensed agents and insurance carriers we work with at that number — including by phone call and text message, and including through automated dialing technology or prerecorded messages — about life insurance products and your request.

To stop text messages, reply STOP to any message you receive. To stop calls, tell the caller to place you on their internal do-not-call list, or contact us using the details at the end of this policy.

8. Your choices & opt-outs

• Email. Use the unsubscribe link in any marketing email, or email us directly.
• Texts. Reply STOP to any message.
• Calls. Ask to be added to our internal do-not-call list, or contact us in writing.
• Advertising. Use the Meta and industry opt-out tools linked in Sections 5 and 6, or your device's advertising settings.
• Access, correction, or deletion. Contact us to request a copy of the information we hold about you, ask us to correct it, or ask us to delete it.

Please note that if you have already been contacted by an insurance carrier or agent, you may also need to contact them directly, since they hold your information under their own policies.

9. Your privacy rights

Depending on the state you live in, you may have rights to:

• Know what personal information we collect, use, disclose, and — where applicable — sell or share.
• Request a copy of that information in a portable format.
• Request that we correct inaccurate information.
• Request that we delete your information, subject to legal and regulatory exceptions.
• Opt out of the sale or sharing of your personal information, and of targeted advertising.
• Be free from discrimination for exercising any of these rights.

To exercise any of these rights, contact us using the details at the end of this policy. We will verify your request, typically by confirming information you have already given us, and respond within the timeframe required by applicable law. You may use an authorized agent to submit a request on your behalf where the law permits.

10. Do not sell or share my information

Some privacy laws define “sale” and “sharing” broadly. Because we pass your quote request to insurance carriers and agents, and because we use advertising technologies such as the Meta Pixel, some of our activity may be treated as a “sale” or “sharing” of personal information, or as “targeted advertising,” under those laws.

To opt out, email us at info@primeliferates.com with the subject line “Do Not Sell or Share My Personal Information.” Please include the name, email, and phone number you used so we can locate your record. Opting out will not prevent us from processing a quote you have actively requested.

11. How we protect your information

We use reasonable administrative, technical, and physical safeguards designed to protect the information we hold, including encrypted transmission of the data you submit through our forms. However, no method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security. You share information with us at your own risk.

12. How long we keep it

We keep your information for as long as needed to provide the services you requested, to comply with our legal, tax, insurance-licensing, and recordkeeping obligations, to resolve disputes, and to enforce our agreements. When we no longer need it, we delete it or de-identify it.

13. Children's privacy

This website is intended for adults. We do not knowingly collect personal information from anyone under 18, and our quote form is not directed to children. If you believe a minor has provided us with personal information, contact us and we will delete it.

14. Changes to this policy

We may update this policy from time to time to reflect changes in our practices, technology, or the law. When we do, we will revise the “Last updated” date at the top of this page. If we make material changes, we will take reasonable steps to notify you. Please review this page periodically.

1. Agreement to these terms

Prime Life Rates is a website operated by Alcindor Corp (“Prime Life Rates,” “we,” “us,” or “our”). By accessing or using www.primeliferates.com (the “Site”) or by submitting a quote request, you agree to be bound by these Terms & Conditions and by our Privacy Policy, which is incorporated here by reference. If you do not agree, please do not use the Site.

2. What we do

Prime Life Rates is an independent life insurance brokerage. We help you compare life insurance quotes from multiple third-party insurance carriers and connect you with licensed agents. We are licensed and contracted in 49 states; we do not currently transact business in New York.

We are not an insurance company. We do not underwrite, issue, or administer insurance policies, and we do not make coverage or pricing decisions. Any policy you purchase is a contract solely between you and the issuing carrier.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Site or submit a quote request. By using the Site, you represent that the information you provide is accurate and that you are submitting it about yourself, or about a person for whom you are authorized to request insurance information.

4. Quote requests & your information

When you submit the quote form, you ask us to help you shop for coverage and you authorize us to share the information you provide with insurance carriers, their agents, and our licensed partners so they can prepare and present quotes to you. The information we collect and how we handle it is described in our Privacy Policy.

Quotes and estimates presented through the Site or by an agent are illustrative and are not offers of insurance, binders, or guarantees of coverage or price. Coverage takes effect only when a carrier approves your application and issues a policy on its own terms.

5. Consent to calls & texts

When you submit a quote request and check the consent box, you agree to receive a phone call from Prime Life Rates about life insurance quotes, and you consent to be contacted by Prime Life Rates and the licensed agents and insurance carriers we work with at the phone number you provide — including by phone call and text message, and including through automated dialing technology or prerecorded or artificial voice messages — about life insurance products and your request.

You may revoke your consent at any time. To stop text messages, reply STOP to any message you receive. To stop calls, tell the caller to place you on their internal do-not-call list, or email us at info@primeliferates.com. Revoking consent will not affect quotes you have already requested.

6. Carriers, agents & third parties

The Site may connect you with, or contain links to, third-party insurance carriers, agents, and service providers. We do not control and are not responsible for their products, services, websites, privacy practices, or the accuracy of their quotes. Any transaction you enter into with a carrier or agent is solely between you and that third party, and is governed by their terms.

7. No professional advice

The content on the Site is provided for general informational purposes only and is not insurance, financial, legal, or tax advice. Descriptions of policy types are general and simplified. You should evaluate your own needs and, where appropriate, consult a licensed professional before purchasing any insurance product. We do not guarantee that any particular coverage, carrier, or rate will be available to you.

8. Acceptable use

You agree not to use the Site to submit false, misleading, or another person's information without authorization; to interfere with or disrupt the Site or its security; to access the Site by automated means for spam, scraping, or abuse; or to use the Site for any unlawful purpose. We may suspend or terminate access to anyone who violates these terms.

9. Intellectual property

The Site and its content — including text, design, graphics, logos, and the Prime Life Rates name — are owned by Alcindor Corp or its licensors and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission.

10. Disclaimers

The Site is provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any quote or information provided will be accurate, complete, or current.

11. Limitation of liability

To the fullest extent permitted by law, Alcindor Corp and Prime Life Rates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or relating to your use of the Site or your dealings with any carrier or agent, even if we have been advised of the possibility of such damages. Nothing in these terms limits any liability that cannot be limited under applicable law.

12. Indemnification

You agree to indemnify and hold harmless Alcindor Corp, Prime Life Rates, and our officers, employees, and partners from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these terms, or your violation of any law or the rights of a third party.

13. Governing law

These terms are governed by the laws of the State of New Hampshire, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these terms or the Site will be resolved in the state or federal courts located in New Hampshire, and you consent to their jurisdiction, except where applicable law provides otherwise.

14. Changes to these terms

We may update these terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of the Site after changes take effect means you accept the revised terms. Please review this page periodically.