Privacy Policy

We are committed to protecting the privacy of our website and portal users with whom we interact. This Privacy Policy (“Policy”) provides details about how Ceres Life Insurance Company (“Ceres,” “we,” “us,” or “our”) collects, uses, and discloses personal information that we obtain through our website, portals, applications, and other online services (collectively, the “Services”). Please read this Policy carefully before you use the Services or submit information to us.

l. Personal Information Collected

We may collect three types of personal information from users: (1) information provided by users when they interact with our Services; (2) information obtained from agents/producers; and (3) information passively collected from users when they use our Services.

Information Provided by Users and Obtained from Our Agents. We may collect personal information users voluntarily provide to us, such as when a user contacts us via our Services, communicates with an agent or producer, or otherwise interacts with us. Please note that if you are a policyholder, information you provide to our agents/producers may show up in your portal. Specifically, we may collect the following categories of personal information in this manner:

  • Usernames and passwords

  • Contact details, such as name, email address, postal address, and telephone number

  • Quote-related information connected with requesting an insurance product, such as date of birth and gender

  • Transactional information, such as insurance products purchased, obtained, or considered and payment history

  • Financial information, such as bank account number and account balances

  • Beneficiary information, such as contact details and Social Security Number(s)

  • Account related information, such as Social Security Number, username, and security questions and answers

  • Audio/electronic recordings, such as recordings of customer service calls

  • Inferences drawn from any of the information listed above to create a profile about you reflecting your preferences, characteristics, behavior, and attitudes

Information Passively Collected from Users. We may collect personal information passively through our Services, such as via cookies, and other tracking technologies, such as web beacons and pixels. This information may include:

  • Identifiers, such as internet protocol address, browser type, browser version, and other unique identifiers

  • Commercial information, such as insurance products purchased, obtained, or considered

  • Geolocation data, such as device location

  • Internet or other network information, such as the pages of our Services that you visit, the time and date of your visit, the time spent on those pages, and the content and advertisements you may have accessed or seen

  • Inferences drawn from any of the information listed above to create a profile about you reflecting your preferences, characteristics, behavior, and attitudes

II. Cookies and Tracking Technology

Cookies. A “cookie” is a small file placed on your device when you visit a site that can be understood by the site that issued the cookie. We may use cookies and other technologies, including device identifiers, to collect information and support certain features of our Services. For example, we may use these technologies to:

  • Help our Services function properly

  • Collect information about the ways users use our Services – which pages they visit, which links they use, and how long they stay on each page

  • Support the features and functionality of our Services – for example, to save you the trouble of reentering information already in our database

  • Personalize your experience when you use our Services – for example, suggesting insurance products based off past purchases

  • Improve our marketing efforts, including through use of targeted advertising

Depending on your Internet browser, you may be able to change your settings to block and/or erase cookies from your device. You can check your browser instructions to learn more about these functions. Please note that if you block or reject cookies and similar technologies on our Services, functionality of the Services may be limited.

Web Beacons and Pixels. We may use other similar technologies from time to time, like web beacons, pixels (or “clear gifs”), and other tracking technologies. Pixels are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our Services. This allows us, for example, to monitor the traffic patterns of visitors from one page within our Services to another, to deliver or communicate with cookies, to understand whether you have come to our Services from an online advertisement displayed on a third-party website, to improve Services performance, to serve targeted advertisements to you and others like you, and to measure the success of marketing campaigns.

If you would like to opt-out of having interest-based information collected by certain entities during your visits to our Services or other websites, please visit http://www.aboutads.info/choices/. You will be directed to an industry-developed website that contains mechanisms for choosing whether each listed entity may collect and use data for online behavioral advertising purposes. It may be that some of the third parties that collect interest-based information on our Services do not participate in the industry-developed opt-out website, in which case the best way to avoid third-party tracking of your online behaviors may be through your browser settings and deletion of cookies.

III. Purpose for Processing Personal Information

We may collect, process, and disclose the personal information we collect about users to:

  • Connect you with an agent/producer

  • Provide you with effective customer support, including to respond to any queries or requests related to our insurance products and Services via our online chat or customer contact center

  • Provide you with a personalized experience when you use our Services

  • Provide you with requested information about insurance products

  • Contact you with information and notices related to your use of our Services

  • Invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us)

  • Advertise and promote our insurance products, including by contacting users regarding insurance products that may be of interest to them;

  • Analyze and better understand users’ needs, preferences, and interests

  • Improve the content, functionality, and usability of the Services

  • Improve our website and insurance product offerings

  • Improve our marketing and promotional efforts

  • Comply with our legal and regulatory obligations, and enforce our rights and policies

  • For security, credit, or fraud prevention purposes

  • For any other purpose identified in an applicable privacy notice, click-through agreement, or other agreement between you and us

We may also aggregate and/or anonymize personal information and analyze those data for statistical or any other purposes permitted by law.

IV. Disclosure of Personal Information

We may disclose the personal information we collect in the following situations:

  • To agents/producers who may process your personal information to facilitate your potential purchase of an insurance product

  • To service providers who process personal information on our behalf, including service providers who provide data hosting, information technology support, email hosting, marketing and analytics services, and other services for the operation of our business. We impose contractual limitations on our service providers’ use of personal information they collect in conjunction with providing services to us

  • To third party marketing and advertising and analytics companies and social media platforms who may process personal information for their own purposes

  • To other third parties with your consent

  • To other third parties to protect our rights, defend or pursue a legal claim, or investigate or prosecute illegal activities

  • To government or judicial authorities to comply with a subpoena, court order, governmental inquiry, legal process, legal obligation, or to protect the rights, property, or safety of other users or the public

  • To a successor entity or purchaser upon a merger, consolidation, or other corporate reorganization in which we participate, a sale of all or a portion of our assets, or pursuant to a financing arrangement. In this situation, we will seek assurances that the successor entity or purchaser will process personal information collected by us in accordance with this Policy

We may also disclose aggregated and/or anonymized data to any other entities to the extent permitted by law.

V. Security
We implement reasonable security measures to promote the confidentiality, integrity, and availability of personal information in our possession or control. Such measures are designed to protect your personal information from loss, unauthorized access, disclosure, alteration, or destruction. However, while the security of your personal information is of the utmost importance to us, we cannot fully guarantee the security of any information you choose to disclose online. Any information you choose to disclose to us is done at your own risk. If you create an account on our Services, it is your responsibility to protect your login credentials from unauthorized access or use.

VI. Children’s Privacy

Our website is not intended for or directed towards children. Further, for compliance with the Children’s Online Privacy Protection Act of 1998, we do not knowingly collect information from or about children thirteen (13) years of age or younger. If you are a parent or guardian and believe we have collected personal information about your child in error, please contact us immediately at policyservices@ceresinsurance.com so that we can make reasonable efforts to promptly remove all personal information relating to the child from our systems.

VII. Third Party Links on Our Services

Our Services may contain links to websites and apps owned by other entities. If you decide to use these links, you will leave our Services. We are not responsible for the privacy practices or the content of such third parties, and we make no representations or endorsements about them. If you decide to leave our Services to access third party links, it will be at your own risk, and you should be aware that this Privacy Policy will no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any other third party when you navigate away from our Services.

VIX. Your Choices

You can access, update, correct, or delete personal information by emailing us at policyservices@ceresinsurance.com or calling us at 1-844-CERES01. We will respond to you within a reasonable time and, in any case, within the time limits established by applicable law. We may ask you for additional information to verify your identity. In most cases, we will provide access and correct or delete any inaccurate information you discover. In some cases, however, we may limit or deny your request if the law permits or requires us to do so or if we are unable to verify your identity.

If you would like to unsubscribe from any of our promotional emails or materials, please follow the instructions contained in the promotional emails or materials, or send an email to policyservices@ceresinsurance.com and include the word “unsubscribe” in the subject line.

X. Contact Us

If you have any questions or concerns regarding this Policy or our information practices, or if you require access to this Policyinanalternativeformatduetoadisability,pleasecontactusat policyservices@ceresinsurance.com or1-844- CERES01.

We may update this Privacy Policy from time to time. When we do so, we will post the updated version of our Privacy Policy here.

Last Updated: 4/18/2025