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This page was last changed on August 11, 2022, last checked on August 11, 2022 and applies to citizens and legal permanent residents of the United States.

1. Introduction

Our website, https://meritlifegroup.com (hereinafter: “the website”) uses cookies and other related technologies (for convenience all technologies are referred to as “cookies”). Cookies are also placed by third parties we have engaged. In the document below we inform you about the use of cookies on our website.

2. Cookies

When you visit our website it can be necessary to store and/or read certain data from your device by using technologies such as cookies.

2.1 Technical or functional cookies

Some cookies ensure that certain parts of the website work properly and that your user preferences remain known. By placing functional cookies, we make it easier for you to visit our website. This way, you do not need to repeatedly enter the same information when visiting our website and, for example, the items remain in your shopping cart until you have paid. We may place these cookies without your consent.

2.2 Statistics cookies

We use statistics cookies to optimize the website experience for our users. With these statistics cookies we get insights in the usage of our website.

2.3 Marketing/Tracking cookies

Marketing/Tracking cookies are cookies or any other form of local storage, used to create user profiles to display advertising or to track the user on this website or across several websites for similar marketing purposes.

3. Placed cookies

Most of these technologies have a function, a purpose, and an expiration period.

  1. A function is a particular task a technology has. So a function can be to “store certain data.”
  2. Purpose is “the Why” behind the function. Maybe the data is stored because it is needed for statistics.
  3. The expiration period shows the length of the period the used technology can “store or read certain data.”

Google reCAPTCHA

Functional, Marketing/Tracking

Usage

We use Google reCAPTCHA for spam prevention. Read more

Sharing data

For more information, please read the Google reCAPTCHA Privacy Statement.

Functional

Name
_grecaptcha
Expiration
session
Function
Provide spam protection

Marketing/Tracking

Name
rc::c
Expiration
session
Function
Read and filter requests from bots
Name
rc::b
Expiration
session
Function
Read and filter requests from bots
Name
rc::a
Expiration
persistent
Function
Read and filter requests from bots

Google Analytics

Statistics

Usage

We use Google Analytics for website statistics. Read more

Sharing data

For more information, please read the Google Analytics Privacy Statement.

Statistics

Name
_ga_*
Expiration
1 year
Function
Store and count pageviews
Name
_ga
Expiration
2 years
Function
Store and count pageviews
Name
_gid
Expiration
1 day
Function
Store and count pageviews
Name
_gat
Expiration
1 minute
Function
Read and filter requests from bots

Pardot

Marketing/Tracking, Functional

Usage

We use Pardot for remarketing. Read more

Sharing data

For more information, please read the Pardot Privacy Statement.

Marketing/Tracking

Name
visitor_id*
Expiration
various
Function
Store a unique user ID

Functional

Name
visitor_id*-hash
Expiration
persistent
Function
Provide protection against hackers

Divi (Elegant Themes)

Functional

Usage

We use Divi (Elegant Themes) for website design. Read more

Sharing data

This data is not shared with third parties.

Functional

Name
et-pb-recent-items-colors
Expiration
persistent
Function
Provide functions across pages

WP Engine

Purpose pending investigation

Usage

We use WP Engine for website hosting. Read more

Sharing data

For more information, please read the WP Engine Privacy Statement.

Purpose pending investigation

Name
rtk_gdpr_c
Expiration
session
Function
Name
rtkuuid
Expiration
session
Function
Name
rtk_gdpr_a
Expiration
session
Function
Name
rtk_p
Expiration
session
Function
Name
rtk_sid
Expiration
session
Function
Name
rtk_rps
Expiration
session
Function
Name
rtk_sat
Expiration
session
Function

Miscellaneous

Purpose pending investigation

Usage

Sharing data

Sharing of data is pending investigation

Purpose pending investigation

Name
WP_DATA_USER_1
Expiration
Function
Name
WP_DATA_USER_4
Expiration
Function
Name
wordpress_test_cookie
Expiration
Function
Name
wp_lang
Expiration
Function
Name
cmplz_banner-status
Expiration
365 days
Function
Name
WP_DATA_USER_6
Expiration
Function
Name
cmplz_consented_services
Expiration
365 days
Function
Name
cmplz_policy_id
Expiration
365 days
Function
Name
cmplz_marketing
Expiration
365 days
Function
Name
cmplz_statistics
Expiration
365 days
Function
Name
cmplz_preferences
Expiration
365 days
Function
Name
cmplz_functional
Expiration
365 days
Function

4. Browser and Device based Consent

When you visit our website for the first time, we will show you a pop-up with an explanation about cookies. You do have the right to opt-out and to object against the further use of non-functional cookies.

4.1 Manage your opt-out preferences

You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page.

5. Enabling/disabling and deleting cookies

You can use your internet browser to automatically or manually delete cookies. You can also specify that certain cookies may not be placed. Another option is to change the settings of your internet browser so that you receive a message each time a cookie is placed. For more information about these options, please refer to the instructions in the Help section of your browser.

Please note that our website may not work properly if all cookies are disabled. If you do delete the cookies in your browser, they will be placed again after your consent when you visit our websites again.

6. Your rights with respect to personal data

You have the following rights with respect to your personal data:

  • you may submit a request for access to the data we process about you;
  • you may object to the processing;
  • you may request an overview, in a commonly used format, of the data we process about you;
  • you may request correction or deletion of the data if it is incorrect or not or no longer relevant, or to ask to restrict the processing of the data.

To exercise these rights, please contact us. Please refer to the contact details at the bottom of this Cookie Policy. If you have a complaint about how we handle your data, we would like to hear from you.

For more information about your rights with respect to personal data, please refer to our privacy Statement

7. Contact details

For questions and/or comments about our Cookie Policy and this statement, please contact us by using the following contact details:

Merit Life Insurance Co.
2 Corporate Drive,
Suite 760
Shelton, CT 06484
United States
Website: https://meritlifegroup.com
Email: moc.puorgefiltirem@seiriuqni
Phone number: (833) 637-4854

This Cookie Policy was synchronized with cookiedatabase.org on August 11, 2022

Merit Logo

2 Corporate Drive,
Suite 760
Shelton, CT 06484

(833) 637-4854

inquiries@meritlifegroup.com



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Privacy Policy

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Prospectus

State Availability

You should consider the features of this fixed deferred annuity contract carefully before purchasing. This and other important information is contained in the prospectus, which can be obtained from www.meritlifegroup.com. You should read the prospectus carefully before purchasing.

The information provided is not intended as legal or tax advice. Please consult with your Financial Advisor before purchasing. This product may not be available in all states.

Fixed Contingent Deferred Annuities(“Banyan” or “CDA”) are issued by Merit Life Insurance Co. Guarantees are backed by the claims-paying ability of the issuing company. Banyan, has no cash value, surrender value, or death benefit.

Merit Life Insurance Co. is rated A- (Excellent) by AM Best and was updated on September 16, 2022. For more information on the AM Best’s Credit Rating, access www.ambest.com Please note this rating does not apply to any investment product and is subject to change.

Banyan is available through wealth management firms that have entered into operating agreements with Merit. The prospectus outlines criteria for acceptable wealth management firm portfolios that are useable in relation to CDAs. Annuities may be continued if accounts are moved to Merit contracted wealth management firms. For a list of approved firms, please contact 833.637.4854. Please note Merit CDAs may be terminated for breach of the wealth management firm’s portfolio investment guidelines and/or if Merit’s operating agreement with a wealth management firm is terminated.

Securities transactions are effected through INTE Securities LLC, Member FINRA (www.finra.org) / SIPC (www.sipc.org).  To view INTE Securities LLC, go to www.finra.org/brokercheck.

© 2022 Merit Life Insurance Co. All Rights Reserved.