Privacy Policy

Ibekwe Insurance

Last updated: June 7th, 2021

IBEKWE INSURANCE (“us”, “we”, or “our”) operates the IBEKWE INSURANCE website (the “Service”).

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at https://ibekwe.createdright.com

Information Collection and Use

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information (“Personal Information”) may include, but is not limited to:

Name
Email address
Telephone number
Address

Log Data

We collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

Compliance With Laws

We will disclose your Personal Information where required to do so by law or subpoena.

Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us.

How does annuity work?

An annuity is an insurance provision in which you deposit payments over some time and then get a regular disbursement at a stipulated point of your life – usually at retirement. You may purchase an annuity by making a lump payment or split it into a series of payments.

What is a hospital indemnity insurance plan?

The standard medical insurance plan does not cover every medical bill. A hospital indemnity insurance plan is a contract with an insurance firm that covers the bill your medical insurance doesn't cover.

What does supplement insurance cover?

A Supplemental insurance covers beyond the regular health insurance plans, including deductibles, coinsurance, and copays.

Is a long-term care insurance worth it?

A long-term care insurance policy confers significant protection to take care of you if you need long-term care in your private home or at a nursing home. Unlike a life insurance plan, however, you might not get the money back if you do not get to use it.

How does critical illness insurance work?

Critical illness insurance is a poly that proffers additional cover for critical health problems like a heart attack, cancer, kidney problems, or a stroke. It would cost more to manage these conditions, and the standard health insurance policy will not cover them sufficiently.

How are annuities calculated?

We calculate annuity to determine the present value of what you paid overtime. The eventual payment is calculated monthly, using a discount factor.

Are life insurance premiums tax-deductible?

A life insurance policy is usually considered a personal expense, so it is not tax-deductible.

Are annuities taxable?

Annuities are taxable. However, the tax is deferred till you start receiving the income payments from the insurer. The taxation on annuity withdrawals is treated as ordinary income and not capital gains.

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