Privacy Policy

Need More Insurance is committed to protecting the privacy and confidentiality of personal information in our possession and control. This policy describes the manner in which Need More Insurance collects, uses, discloses and otherwise treats personal information through our website available at needmoreinsurance.com, including all subpages and successor pages (collectively referred to as the “website”) as well as through other interactions with our clients and prospective clients.

Data collection

Need More Insurance needs to collect personal information from our clients and prospective clients in order to provide services to you and fulfill our legal obligations. Need More Insurance is committed to protecting our clients’ privacy and the confidentiality of their personal information in our possession.

The personal information we collect is used for the following purposes:

  • helping us choose the life insurance policy that best fits you and your needs;
  • verifying your identity and other information you have provided to us;
  • helping underwrite and provide accurate insurance premium rate quotes;
  • providing insurers with the required information for applications;
  • communicating with you regarding the insurance products that you purchased through the website as well as other products and services that may be of interest to you.
  • meeting legal and regulatory requirements;
  • as otherwise required or permitted by applicable law.

In addition, we may aggregate your Information with our other user’s Information and use that information for benchmarking and analysis purposes.

You may find an overview of our data collection methods below.

Needs assessment: Understanding a client’s needs and wants, financial position and family information enables us to ensure that all life insurance recommendations are suitable. This is both a regulatory requirement and good business. Information collected includes: ages, health status, financial information (debts, savings, investments, monthly expenses, etc.).

Life insurance application: The life insurance application questions we ask clients to complete elicit only the information we need for contractual requirements with the life insurance companies including: email address, name, address, phone, birth date, social insurance numbers (for identify verification purposes), driving record, health status and beneficiary information.

Third party data: Need More Insurance may also use third-party services to supplement or enrich our understanding of our customers. This includes cross-referencing information like a name, business name, email address or IP address in third-party databases, and using the information there to improve our understanding of you and your business.

Marketing Communications: From time to time, we may obtain your consent to send you email, SMS text messages and other communications about Need More Insurance products, services, or events that may be of interest to you. You can opt-out of receiving marketing and promotional email from us by following the unsubscribe instructions contained in each of our email communications. We count your submitted information as consent to send you more marketing material. In taking part in this program you authorize us to share your information with our partners.

Customer Service/Relationship Manager: If you contact a customer service agent or Relationship Manager with a comment, question or complaint by email, text message, telephone or video chat, you may be asked for information that identifies you (such as your name, address and a phone number) along with additional information we need to help us promptly answer your question or respond to your comment or complaint. We may retain this information to assist you in the future and to improve our customer service and, product and service offerings.

Testimonials: If you provide us with a testimonial, with your consent we may post it on our Site or in other materials and media, along with your name (as needed) . If you want your testimonial removed, please contact us at quotes@needmoreinsurance.com.

Cookies & Similar Technologies: Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.  Need More Insurance may use “cookies” to collect information and remarket to you. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. We may use cookies and other tracking technology to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about the Site’s traffic and interaction so that we can offer better experiences and tools in the future. We may also use these technologies to provide you with enhanced online display advertising tailored to your interests.

Tracer Tags & Web Beacons: The website may also use a technology called “tracer tags” or “Web Beacons”. This technology allows us to understand which pages you visit on the Website. These tracer tags are used to help us optimize and tailor the Website for you and future visitors to the Website.

Website Analytics: We may use third parties to help us gather and analyze information about the areas visited on the Website in order to better understand, evaluate and improve the user experience and the convenience of the Website.

Safeguards

Need More Insurance maintains reasonable administrative, technical and physical safeguards in an effort to protect personal information in our custody and control against unauthorized access, use, modification and disclosure of.

Please understand, however, that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.

Overview of safeguards in place

We authorize employees and service providers to have access to clients’ personal information only on a “need to know” basis in order to fulfill their job requirements.

We ensure that any third party acting on our behalf maintains reasonable and appropriate safeguards in respect of your Personal Information. Additional information about our third parties’ privacy practices is available upon request.

Safeguards for minors

We do not knowingly collect personally identifiable information from Minors. If you are a parent or guardian and you are aware that your Minor has provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from Minors without verification of parental consent, we take steps to remove that information from our servers.

Retention policy

Need More Insurance will retain your Personal Information while you have an active life insurance policy, and afterward if we need to do so to meet our legal obligations.

Accuracy

We will make reasonable efforts to ensure that your Personal Information is accurate and complete.

You may request a correction to your Personal Information to ensure its accuracy and completeness. A request must be in writing and provide sufficient detail to identify your Personal Information and the correction being sought.

Disclosure

When you opt to apply for a life insurance policy with one of our partner companies, we provide your account information to the respective life insurance company to fulfill the application. We also notify them of any updates or changes to your account information.

We may use third party vendors to assist us monitoring and analyzing our website’s activity, operations and marketing assistance, hosting the website, and maintaining our database. It is possible that some of these service providers will be located outside of Canada. We may share your Information with these Third Party Vendors but only as necessary for them to perform their functions and to the extent permitted by law. Use of your Information by these Third Party Vendors is governed by their own privacy policies and procedures and not by this Privacy Policy.

We and our Canadian third party service providers may provide your personal information in response to a search warrant or other legally valid inquiry or order, or to another organization for the purposes of investigating a breach of an agreement or contravention of law or detecting, suppressing or preventing fraud, or as otherwise required or permitted by applicable Canadian or other law (which may include lawful access requests by Canadian or other foreign courts, law enforcement or governmental authorities). We may also disclose personal information where necessary for the establishment, exercise or defense of legal claims and to investigate or prevent actual or suspect loss or harm to persons.

External sites

Our website may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you, but we do not endorse and we are not responsible for the content of any linked external websites or for the privacy practices of the third parties that own and operate such sites. Before using any external website, please refer to the terms of use and privacy policies of the External Sites for more information.

Notification of Changes

We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review our Privacy Policy for the latest information on our privacy practices.

Last updated: December 23, 2018

While we have always respected your privacy and safeguarded all Personal Information, we have strengthened our commitment to this goal. This is to continue to provide exceptional service to you and to comply with all laws regarding the collection, use and disclosure of Personal Information.

Contact us

If you have any questions about this Privacy Policy, please contact us. Our contact information is below