Privacy Policy


Your privacy is important to us. Our ongoing commitment to the protection of your privacy is essential to maintaining the relationship of trust that exists between St. Louis Life and all visitors to our website. This Privacy Policy is intended to help you understand St. Louis Life’s information security practices.


You may have directly accessed St. Louis Life’s website, the home page of which is located at (“Website”), or via link on a third party website. This Policy applies to all personally identifiable information you submit to St. Louis Life through the Website. Please note that St. Louis Life cannot be responsible for the information you submit to any third party websites, which may have their own posted policies regarding collection of information. We urge you to review the policies of any website through whom you may access our services.

St. Louis Life may collect personally identifiable information through the website. This information may include: an applicant’s name, address, phone number, e-mail address and brief medical history. St. Louis Life reserves the right, at any time, to revise this privacy policy and / or change the extent of information it collect from you without notice. Any such revisions will be signified by changing the last updated date at the top of this webpage. Your continued use of the Website following the posting of the revisions to this privacy policy will mean your acceptance of the revisions.

Your access to the Website is hereby deemed acceptance of St. Louis Life’s practices described in this policy policy. All information shared by you with St. Louis Life through the Website is subject to the provisions of this privacy policy.

St. Louis Life does not intend to collect or maintain information from users actually known to be under the age of 13, and no part of St. Louis Life’s website is structured to attract anyone under the age of 13.


St. Louis Life will only use the Information it collects about you to facilitate providing information and / or services to you by St. Louis Life.

St. Louis Life may release your Information to appropriate governmental authorities where release is required by law (for example, a subpoena) or by a regulation, or is requested by a government agency conducting investigations or proceedings. St. Louis Life may also use your Information where it believes, in its sole discretion, that disclosing this information is necessary to identify, contact or bring legal action against someone (including yourself) who may have breached St. Louis Life’s Terms of Use Agreement or who may be causing injury to or interference with (either intentionally or unintentionally) St. Louis Life’s rights or property, other St. Louis Life’s users, or anyone else who could be harmed by such activities.


Occasionally, St. Louis Life hires third-party service providers to help it provide or improve the services it offers to you. Sometimes it is necessary for these providers to have access to the Information St. Louis Life collects about you. In those cases, organizations that provide operational or other support services to us must use reasonable efforts to safeguard your information and must only use the Information disclosed for the purpose of fulfilling their service obligations to St. Louis Life.


St. Louis Life may collect non-identifiable and personal information through the use of various technologies, including ‘cookies.’ You can set your browser to be notified before a cookie is received, and thereby have an opportunity to decide whether to accept cookies. If you decide to refuse cookies, you may not be able to view and / or access the Website and /or other third party websites as intended.


The Website may contain links to other websites. St. Louis Life is not responsible for the privacy practices or the content of such other websites.


You have the right at any time to cease permitting your Information to be collected, used or disclosed by St. Louis Life, or to seek changes thereto, by contacting St. Louis Life via e-mail [], or certified postal mail [2001 East Terra Lane, P.O. Box 970, O’Fallon, MO 63366-0970]. After processing such correspondence, St. Louis Life will delete or modify, as applicable, your Information.


St. Louis Life uses industry standard encryption technologies when transferring and receiving your Information, and maintains industry standard security measures in its physical facility to protect against the loss, misuse or alteration of your Information collected by St. Louis Life. However, since internet transmissions cannot be made absolutely secure, St. Louis Life shall not be liable for unauthorized disclosure of personal information due to no fault of St. Louis Life including, but not limited to, errors in transmission and unauthorized acts of third parties.

If you have created a registered account on the Website and have secured it with a password, you must take care not to divulge your password to anyone. St. Louis Life will never ask you for your password in an unsolicited phone call or e-mail. You are responsible for maintaining the secrecy of your passwords and any account information saved or transmitted outside of St. Louis Life’s systems.

In the unlikely event that St. Louis Life undergoes a sale or transfer of all or substantially all of its assets, the acquiring entity will be subject to this privacy policy in its use of your Information. In addition, in the further unlikely event that St. Louis Life is adjudicated bankrupt or insolvent (a) there will be no further use or disclosure of your Information by St. Louis Life and (b) your Information will be destroyed. In addition, there will be no use or disclosure of your Information by any entity that acquires assets of St. Louis Life pursuant to such bankruptcy or insolvency proceedings.