privacy policy

1. Introduction

Welcome to Alara Benefits 

Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit https://alarabenefits.com, contact us, or use our services — including Final Expense Insurance, Life Insurance, Digital Wills, Indexed Universal Life (IUL), and Mortgage Protection.

By using our site or services, you agree to this Privacy Policy.

2. Information We Collect

We collect personal information only as necessary to provide our services and comply with applicable insurance laws.

A. Personal Information

We may collect:

• Full name, date of birth, and contact information (address, phone, email)
• Social Security number or Tax ID (for insurance applications)
• Financial and health information required to assess eligibility for coverage
• Beneficiary and dependent details
• Digital Will and policy data
• IP address and browser data (for security and analytics)

B. Non-Personal Information

We may collect:

• Browser type, device information, and referring URLs
• Usage data (pages visited, time spent)
• Cookies and analytics tracking data

3. How We Use Your Information

We use personal information to:

• Process insurance applications and deliver requested services
• Communicate with you about policies, quotes, or account matters
• Provide Digital Will and estate planning support
• Maintain regulatory compliance under U.S. insurance and financial laws
• Improve our website and customer experience
• Send marketing communications (only with your consent)

4. Legal Basis for Processing (U.S. Compliance)

We collect and process your data in accordance with:

• Gramm-Leach-Bliley Act (GLBA): Protects personal financial information shared during insurance transactions.
• Health Insurance Portability and Accountability Act (HIPAA): Applies when handling health-related information for life or final expense policies.
• Federal Trade Commission (FTC) Safeguards Rule: Requires data protection for consumers’ personal information.
• California Consumer Privacy Act (CCPA): Gives California residents rights to access, delete, and opt out of personal data collection.
• State Insurance Privacy Laws: Including state-specific requirements under Departments of Insurance.

5. Sharing and Disclosure of Information

We never sell personal data.
We may share information only as necessary and legally permitted:

All partners are required by law and contract to maintain strict confidentiality and data security.

6. Data Security

We follow industry-standard security practices to protect your information:

• Encrypted transmission (SSL/TLS)
• Secure data storage with access controls
• Background-screened staff and agents
• Ongoing monitoring for unauthorized access

Despite our efforts, no system is completely secure. You share data with us at your own risk, but we take all reasonable measures to protect it.

7. Your Privacy Rights (Under U.S. Law)

Depending on your state of residence, you have the following rights:

• Access: Request a copy of personal information we hold about you.
• Correction: Request corrections to inaccurate or incomplete information.
• Deletion: Ask us to delete your personal information (subject to legal retention rules).
• Opt-Out: Stop receiving marketing emails or calls.
• Non-Discrimination: We will not discriminate against you for exercising privacy rights

8. Cookies and Online Tracking

Our site uses cookies and similar technologies to:

• Recognize repeat visitors
• Improve user experience
• Analyze web traffic and marketing effectiveness

You may disable cookies in your browser settings, but some features may not function properly.

9. Data Retention

We retain your information only as long as needed to:

• Fulfill service obligations and legal requirements
• Maintain insurance policy records
• Meet recordkeeping and audit obligations under federal/state law

Once no longer required, data is securely deleted or anonymized.

10. Children’s Privacy

We do not knowingly collect or solicit personal information from children under 18.
If you believe a child has provided personal data, please contact us immediately and we will remove it.

11. Third-Party Links

Our website may include links to third-party sites (insurance partners, carriers, or affiliates).
We are not responsible for their content or privacy practices. Review their privacy policies separately.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect legal or operational changes.
When updated, the “Effective Date” will be changed.
Continued use of our services after updates constitutes your acceptance.

13. Contact Us

If you have questions about this Privacy Policy or how we handle your information, please contact:

: +1(800) 286-6949
203 N LaSalle St Downtown, Chicago, IL 60601
https://alarabenefits.com

14. Regulatory Compliance Statement

AlaraBenefits complies with:

• Federal Trade Commission (FTC) privacy regulations
• GLBA Privacy and Safeguards Rules for insurance agencies
• HIPAA for health-related insurance data
• State Departments of Insurance data protection requirements
• CCPA / CPRA (California Privacy Rights Act) for applicable residents
• Electronic Signatures in Global and National Commerce Act (E-SIGN) for digital document use