Privacy Policy

Effective Date: July 2024
Last Updated: July 2025

TDM Insurance Group ("Company", "we", "our", or "us") respects your privacy and is committed to protecting the personal information you provide. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services in connection with life insurance products, in accordance with applicable federal and Illinois state privacy laws.

1. Information We Collect

We collect the following types of personal information when you request a quote, apply for coverage, or otherwise interact with us:

a. Personal Identifiers

  • Full name

  • Date of birth

  • Social Security number

  • Mailing address

  • Email address

  • Phone number

  • Government-issued ID (e.g., driver’s license)

b. Health and Medical Information

  • Medical history and current health status

  • Physician information

  • Prescription history

  • Family medical history (if required for underwriting)

c. Financial Information

  • Income and employment status

  • Bank account or payment information (if premium payments are involved)

  • Policy-related financial data

d. Internet and Technical Data

  • IP address

  • Browser type and version

  • Pages visited, time spent on our website

  • Device information

  • Cookies and similar tracking technologies

2. How We Use Your Information

We use your information to:

  • Provide life insurance quotes

  • Process and underwrite life insurance applications

  • Issue and administer policies

  • Respond to customer service inquiries

  • Process billing and claims

  • Comply with legal and regulatory obligations

  • Detect and prevent fraud

  • Improve our services and website performance

3. How We Share Your Information

We do not sell your personal information. However, we may share your data with trusted third parties as necessary to provide our services:

  • Insurance underwriters and carriers for evaluating and issuing policies

  • Medical service providers for exam coordination (with your authorization)

  • Third-party service providers (e.g., IT, billing, customer support)

  • Regulatory agencies as required by Illinois Department of Insurance or federal law

  • Legal authorities when compelled by court order or legal obligation

We require all third parties to protect your information in accordance with applicable laws.

4. Your Privacy Rights (Illinois and U.S.)

As an Illinois resident, and under certain federal laws (such as the Gramm-Leach-Bliley Act), you may have the right to:

  • Access and review the personal data we hold about you

  • Request corrections to your data

  • Limit sharing of your information in certain circumstances

  • Withdraw consent where applicable

To exercise your rights, contact us at theron@tdminsgroup.com.

5. Data Security

We maintain physical, technical, and administrative safeguards to protect your personal data from unauthorized access, use, or disclosure. These include encryption, access controls, and regular security audits. However, no method of transmission over the Internet is 100% secure.

6. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze traffic, and personalize content. You may choose to disable cookies through your browser settings; however, this may limit certain website features.

7. Retention of Information

We retain your information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law or regulation, including recordkeeping obligations under Illinois insurance laws.

8. Children's Privacy

Our services are not intended for individuals under 18. We do not knowingly collect or solicit personal information from minors. If we learn that we have collected information from a child under 18, we will delete it promptly.

9. Third-Party Websites

Our website may contain links to other sites. We are not responsible for the privacy practices or content of those third-party websites.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, the "Last Updated" date will be revised. We encourage you to review this page periodically for the latest information.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

TDM Insurance Group
15337 South Cicero Avenue Suite A
Oak Forest, IL 60452
Email: theron@tdminsgroup.com
Phone: 331.244.1806
Website: https://tdminsgroup.com