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Privacy Policy

The Insular Life Assurance Co., Ltd. Is committed to safeguarding the privacy of their clients; this policy specifies how your personal information is dealt with. Using the digital platforms that are part and parcel of The Insular Life Assurance Co., Ltd., implies that you accept the terms of this privacy policy. This privacy policy applies only to information collected online through the official websites, mobile applications and social media pages (collectively referred to as “digital platforms”) and not to information collected offline. We may amend this privacy policy at any time by publishing a new version on this website.

1. Information We Collect

The Insular Life Assurance Co., Ltd reserves the right to collect, store, and use the following kinds of information: name, email address, IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, and website navigation. The company reserves the right to collect information from its users when: users browse the company’s websites and submit questions through the Contact Us page.

2. What we use your information for

Any of the pertinent information collected from you may be used in one of the following ways:

  • To personalize your experience. Your information helps us to better respond to your individual needs to improve our digital platforms. We continually strive to improve our offerings based on the information and feedback we receive from you.
  • To improve customer service. Your information helps us to more effectively respond to your customer service requests and support your needs.
  • To administer a contest, promotion, survey or other site feature.
  • To send periodic emails. The email address you provide may be used to send you information and updates pertaining to receiving occasional company news, updates, related product or service information, etc.
3. How we protect your information
  • The company implements a plethora of security measures in order to ensure that any personal information that is submitted to us is channeled through a secure platform that is at par with the most stringent security measures.
  • It is important to note that data transmission over the Internet is inherently insecure and we cannot guarantee the security of data sent over the Internet. We are not responsible for any delays, crashes, and other problems caused by the Internet, your InternetService Provider, and other parties involved in the transmission of data.
4. Use of Cookies

Cookies consist of parcels of information, often including unique identifiers, that are sent by web servers to web browsers. They may then be sent back to the server each time the browser requests a page from the server. Cookies can be used by web servers to identify and track users as they navigate through different pages on a website, and to identify users returning to a website. Cookies may be either "persistent" cookies or "session" cookies. A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its set expiry date unless deleted by the user before the expiry date.On the other hand, a session cookie will expire at the end of the user session when the web browser is closed.

5. Disclosure of Information to Outside Parties

The Insular Life Assurance Co., Ltd shall not be subject to specific lawful exceptions, disclose, release or sell to third parties any personal data or information given or transmitted through the internet. This does not include trusted third parties who provide assistance in operating the websites, conducting business as usual or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses relevant to the brand.

The Insular Life Assurance Co., Ltd. shall not use personal data or information given or transmitted through the internet for purposes other than what has been described on this website. However, due to the nature of the internet as an unsecured medium of communication, the company reserves the right to refrain from giving out an absolute guarantee that the privacy or confidentiality of the personal data or information given or transmitted by the user is free from any unfavorable instances that may occur. The Insular Life Assurance Co., Ltd shall not be held liable for damages for any loss of confidentiality of any information transmitted herein.

6. Third Party Links

The Insular Life Assurance Co., Ltd reserves the right to include press releases, information about or pertinent to the company, or offer third party products or services on third party sites. These third party sites have separate and independent privacy policies and function independently. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our institution and welcome any and all feedback pertinent to these websites.

7. Rights of the Data Subject
  • Right to Information: You have the right to be informed whether your personal data shall be processed, are being processed, or have been processed, including the existence of automated decision-making and profiling.
  • Right to Object: You have the right to object to the processing of your personal data, including processing for direct marketing, automated processing or profiling.
  • Right to Access: You have the right to reasonable access to, upon demand, the contents of your personal data, and the reason for allowing individuals to access your data so that you are aware of and can verify the lawfulness of the processing.
  • Right to Rectification: You have the right to dispute the inaccuracy or error in the personal data and have the personal information controller correct it immediately and accordingly, unless the request is vexatious or otherwise unreasonable.
  • Right to Erasure or Blocking: You have based on reasonable grounds, the right to suspend, withdraw or order the blocking, removal or destruction of your personal data from Insular Life’s filing system.
  • Right to Damages: You shall be indemnified for any damages sustained due to such inaccurate, incomplete, outdated, false, unlawfully obtained or unauthorized use of personal data, taking into account any violation of your rights and freedom as data subject.
  • Right to Data Portability:  Where personal data is processed by electronic means and in a structured and commonly used format, you shall have the right to obtain from Insular Life a copy of such data in an electronic or structured format that is commonly used and allows your further use.
  • Right to File a Complaint: If you feel that your personal information has been misused, maliciously disclosed, or improperly disposed, or that any of your data privacy rights have been violated, you have the right to file a complaint with the NPC.
8. Data Privacy

Questions about your privacy? If you have questions or concerns about our privacy practices and policies, please get in touch with our Privacy Officer and request to be connected to the Office of the Chief Information Security Officer.

INSULAR LIFE uses third-party services to monitor and analyze web traffic data for us. These services use temporary cookies during user sessions which are automatically deleted after session termination. Data generated is not shared with any other party. For more info, please see our Privacy Policy