Privacy Notice

Federal Life Insurance Company (“Federal Life,” “we,” “our,” or “us”) is committed to protecting the privacy and security of personal information collected through our website and related services.

This Privacy Policy describes how we collect, use, disclose, and safeguard information obtained through www.federallife.com and related online services. It applies to data collected through this public website, including information submitted in web forms. Information collected in connection with insurance applications, policies, claims, and preneed or funeral products is also addressed in separate privacy notices required by federal and state insurance law. Where this Policy and a product-specific notice both apply, the more specific notice governs the insurance transaction.[

Information We Collect

We may collect personal information that you voluntarily provide to us, including information about applicants, insureds, annuitants, policyholders, beneficiaries, and preneed or funeral purchasers:

  • Name, address, telephone number, and email address
  • Policy-related information
  • Information submitted through forms, applications, or customer inquiries
  • Information provided to authorized agents or representatives
  • Other information necessary to evaluate, administer, or service insurance-related products, claims, preneed or funeral arrangements, or requests[

We may also collect certain technical and usage information automatically through cookies and analytics technologies, including:

  • IP address
  • Browser type and device information
  • Website usage activity
  • Pages visited and referral sources
  • General geographic location information

Sensitive Personal Information

As an insurance provider, we may collect certain categories of information that are classified as sensitive personal information under applicable state law. Depending on the product and interaction, this may include:

  • Social Security numbers and government-issued identification numbers
  • Health or medical information provided in connection with insurance applications or claims
  • Financial account information
  • Precise geolocation data

Federal Life collects sensitive personal information only as reasonably necessary to conduct our insurance operations, comply with applicable law, or for other disclosed purposes with any consent required by law. We use and disclose it only as permitted by applicable law and implement safeguards appropriate to the information and regulatory requirements.

Where applicable state law provides a right to limit the use or disclosure of sensitive personal information, you may exercise that right using the methods below. This right may not apply to information or uses exempt under insurance, GLBA, HIPAA, or other applicable law.

How We Use Information

We may use personal information to:

  • Respond to inquiries and service requests
  • Process applications and administer insurance products
  • Communicate with policyholders, agents, and prospective customers
  • Improve website functionality, security, and user experience
  • Comply with legal, regulatory, and contractual obligations
  • Detect fraud, unauthorized activity, or misuse of our systems

Disclosure of Information

Federal Life does not sell personal information or share it for cross-context behavioral or targeted advertising, as those terms are defined by applicable state law. We disclose information for the purposes described below and as required or permitted by law.

We may disclose information:

  • To affiliated companies and authorized service providers performing services on our behalf, subject to applicable contractual and legal restrictions
  • To licensed agents, brokers, reinsurers, administrators, insurance-support organizations, or business partners involved in insurance operations, as permitted by law and with authorization where required
  • To comply with legal obligations, court orders, or regulatory requests
  • To protect the rights, property, or safety of Federal Life, our customers, or others
  • As otherwise permitted or required by applicable law

Federal Regulatory Framework (GLBA and HIPAA)

Federal Life is subject to the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy laws governing nonpublic personal financial and, where applicable, health information collected in connection with insurance products and services. We provide separate consumer and customer privacy notices when required by those laws.(1)

Where Federal Life acts as a HIPAA covered entity or business associate in connection with an accident and health product or service, protected health information is governed by applicable HIPAA requirements and the relevant Notice of Privacy Practices, if required. Health information for life, annuity, preneed, or other products is not necessarily HIPAA-protected and remains subject to applicable insurance and other privacy laws.

This online Privacy Policy applies to information collected through this public website (www.federallife.com), including web forms, cookies, and analytics technologies. Whether a particular record is exempt from a state privacy law depends on the law and the purpose and context of collection; website browsing and marketing data may remain subject to state consumer privacy laws.

For health information submitted through our public website outside a HIPAA-covered or insurance transaction, additional state consumer health-data protections may apply. We provide any separate consumer health-data notice and choices required by law at or before collection.

1. Florida: Fla. Stat. § 626.9651 and Fla. Admin. Code ch. 69O-128 govern insurer notices and disclosure of nonpublic personal financial and health information. Rules 69O-128.005–.010 address notices and delivery; rules 69O-128.017–.019 address health-information authorizations. Fla. Stat. § 501.171 addresses data security and breach notification. The Florida Digital Bill of Rights generally has a narrow controller definition and GLBA and HIPAA exclusions. See Fla. Stat. §§ 501.702(9), 501.703.

Cookies, Website Analytics, and Opt-Out Signals

Our website may use cookies, analytics tools, and similar technologies to enhance website functionality, evaluate website performance, and improve user experience. These technologies may be operated by Federal Life or by third-party analytics providers, which may receive device identifiers, IP addresses, and website activity as described here.

Users may adjust browser settings to refuse or limit certain cookies and may use available cookie controls on our website; however, some website functionality may be affected.

Global Privacy Control (GPC): Where applicable, Federal Life recognizes and processes a valid GPC or other legally recognized opt-out preference signal as a request to opt out of the sale or sharing of personal information for targeted advertising. The signal applies to the browser or device and any associated account to the extent we can identify it and applicable law requires.

Third-Party Links

This website may contain links to third-party websites. Federal Life is not responsible for the content, privacy practices, or security of third-party sites.

Children’s Privacy

This website is not directed toward children under the age of 13, and we do not knowingly collect personal information from children through this website without any notice or parental consent required by law.

Your Privacy Rights and Choices

Depending on your state of residence, the nature of the information, and applicable exemptions for insurance and health information, you may have the following rights regarding your personal information:

  • Right to Know / Access: You may request information about the categories and specific pieces of personal information we have collected about you.
  • Right to Correct: You may request correction of inaccurate personal information.
  • Right to Delete: You may request deletion of personal information we hold about you, subject to applicable exceptions.
  • Right to Opt Out: Where applicable, you may request that we stop selling or sharing personal information for targeted or cross-context behavioral advertising, or certain profiling or automated decisions.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

We will respond to requests within the period required by applicable law, generally within 45 days for covered requests, and will notify you of any permitted extension. Where required, we will provide a means to appeal a denied request and explain how to contact the relevant regulator.

To submit a privacy rights request, please contact us using the information below.

Additional Disclosures for California Residents (CCPA/CPRA)

This section applies to California residents to the extent their personal information is subject to the California Consumer Privacy Act, as amended (CCPA), and supplements the disclosures above. Information governed by the California Insurance Code or GLBA may be exempt, while information collected outside an insurance transaction, such as certain website browsing, marketing, employee, or applicant data, may remain covered. (2)

Federal Life Insurance Company operates in California under the name Interstate Life.

2. California: Civil Code § 1798.145 and 11 Cal. Code Regs. § 7271 distinguish insurance transaction data regulated under the Insurance Code from data outside that context, such as certain website, marketing, and employment data. Sections 7011–7012 require accurate privacy-policy and point-of-collection disclosures for CCPA-covered data; operational details must be confirmed against the data map.

Categories of Personal Information Collected

In the preceding 12 months, we have collected the following categories of personal information from California residents to the extent subject to the CCPA:

  • Identifiers: name, address, email address, telephone number, IP address
  • California Customer Records categories: name, address, telephone number, financial account information
  • Protected classification characteristics: age, marital status, as relevant to insurance underwriting
  • Commercial information: insurance products or services purchased or considered
  • Internet or electronic network activity: browsing history and interactions with our website
  • Inferences: profile information derived from website interactions or other information, if used for nonexempt purposes
  • Sensitive personal information: Social Security number, financial account information, health or medical information, and precise geolocation, to the extent collected in nonexempt contexts

Sources and Purposes

We collect personal information directly from you, from authorized agents or representatives, from insurance applications and related documents, from service providers and business partners, and automatically through website analytics technologies, for the purposes described in the “How We Use Information” section above. For CCPA-covered data, we retain each category for as long as reasonably necessary for the disclosed purposes, taking account of legal retention, claims, security, and dispute-resolution needs.

Disclosure and No Sale

We may disclose personal information as described in the “Disclosure of Information” section above. In the preceding 12 months, we have not sold or shared CCPA-covered personal information for cross-context behavioral advertising. We may disclose identifiers, customer records, commercial information, internet activity, and sensitive information for business purposes to service providers, affiliates, agents, reinsurers, and regulators as applicable.

Your California Privacy Rights

California residents have the following rights under CCPA/CPRA:

  • Right to Know: Request disclosure of the categories and specific pieces of personal information collected about you, sources, purposes, and third-party disclosures.
  • Right to Delete: Request deletion of personal information we have collected, subject to exceptions permitted by law.
  • Right to Correct: Request correction of inaccurate personal information.
  • Right to Opt Out of Sale or Sharing: Direct us not to sell or share your personal information. We do not currently sell or share personal information, but you may submit a request at any time.
  • Right to Limit Use of Sensitive Personal Information: Request that we limit use and disclosure of sensitive personal information to purposes permitted by law.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.
  • “Shine the Light”: California Civil Code Section 1798.83 permits requests about disclosure of personal information to third parties for direct marketing. We do not share personal information for third-party direct marketing without your consent.

Submitting a California Privacy Request

California residents may submit privacy rights requests through the Privacy Contact information below, by telephone at (800) 233-3750, or by completing the CA Privacy Request form online. We will acknowledge receipt within 10 business days and respond within 45 calendar days, with a possible 45-day extension if permitted. We will verify identity as appropriate for the request. Authorized agents may submit requests on your behalf with authorization, subject to permitted verification. We will explain any denial and provide other procedures required by law.

Global Privacy Control

Federal Life recognizes and processes qualifying Global Privacy Control (GPC) signals as a request to opt out of any sale or sharing of CCPA-covered personal information, to the extent required by California law. We apply the signal to the browser or device and to an associated account where we can identify the consumer.

Confidentiality and Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction, consistent with applicable insurance, HIPAA, and state data-security requirements. Access to personal information is restricted to employees, agents, contractors, and service providers who require such information to perform legitimate business functions.

Privacy Contact

Questions regarding this Privacy Policy, or requests concerning your personal information, may be directed to:

Federal Life Insurance Company
Attn: Privacy Officer
Email: privacy@federallife.com

1 Overlook Point, Suite 265
Lincolnshire, Illinois 60069

(800) 233-3750

Changes to This Policy

Federal Life may update this Privacy Policy from time to time. We will update the date posted on this page and provide additional notice or obtain consent when required by applicable law before materially changing a use of personal information.

UPDATED: OCTOBER 2026