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Life 人寿保险
Navigating Life Insurance 讲解人寿保险Term Life Insurance  定期人寿保险Term Life Insurance with Living Benefits 定期人寿保险加生前福利What is Universal Life Insurance? 什么是万能寿险?Taking the Confusion Out of Linked Benefits  消除联动利益的困惑Life Insurance Policies and Cash Value  人寿保险政策与现金价值How Much Life Insurance Is Enough? 多少人寿保险才够?Which Makes Sense for You: Permanent or Term Life Insurance? 哪种人寿保险更适合您:永久人寿保险还是定期人寿保险?保险是骗人的吗?Is Life Insurance a Scam?
Health 健康保险
Understanding Your Health Insurance Options  理解您的健康保险选项Health Insurance Plans Available on the Marketplace 市场上可用的健康保险计划Essential Health Benefits    基本健康福利Summary of Benefits and Coverage 福利和保障摘要Preventive health services for adults 成人预防健康服务Short-Term Medical Insurance – Temporary  Coverage 短期医疗保险 - 临时覆盖Pre-65 Health Care Insurance 65岁以下医疗保险Health Savings Accounts    健康储蓄账户Understanding the Affordable Care Act              理解《平价医疗法案》
Medicare 65岁以上红蓝白卡
Medicare Simplified  医疗保险简化Medicare: What you need to know 医疗保险:您需要了解的事项Medicare Advantage Plans 医疗保险优选计划Part D Prescription Drug Plans 医疗保险D部分处方药计划Are You Eligible for Medicare? 您是否符合医疗保险资格?Different Types of Medicare Advantage Plans 不同类型的医疗保险优势计划Compare Medicare Supplement plans side by side 并排比较医疗补充计划
Long Term Care 长期护理
What is Long Term Care Insurance? 什么是长期护理保险?How Much Long Term Care Insurance is Enough? 多少长期护理保险才足够?NOW is The Time for Long Term Planning 现在是长期规划的时候Fact vs Fiction About Long Term Care Insurance 长期护理保险的事实与虚构Hybrid Long Term Care Insurance vs Traditional Long Term Care Insurance  混合长期护理保险与传统长期护理保险长期护理每个家庭都需要 Every Family needs LTC
Critical Illness 重大疾病
How Critical Illness Insurance Coverage Can Work For You 如何利用重疾保险保障您的需求What is Critical Illness Insurance? 什么是重大疾病保险?Exploring Critical Illness Insurance 探索重大疾病保险
Disability 残疾
Disability Income Insurance 残疾收入保险Long-Term Disability Insurance Works For You 长期残疾保险如何为您服务Short-term Disability Insurance Helps Protect your Paycheck And Lifestyle 短期残疾保险:保护您的薪水和生活方式
Retirement 退休计划
Retirement Planning 规划退休:永远不会太早Preparing for Retirement    准备退休An Overview of Annuities   年金概述Thinking About Retiring? Use these helpful calculators to start planning 考虑退休吗?使用这些有用的计算器开始规划401k to 201k? Chinese
Estate Planning 遗产规划
An Overview of Estate Planning 遗产规划概述The Estate Planning Process 遗产规划过程
College Planning 教育计划
Planning for College Starts Earlier Than You Think 大学规划比你想的要早
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Privacy Policy                                                                     

保障隐私

Our company ("we" or "us") recognizes that you care how information about you is collected and used. We have created this Privacy Policy to inform you of our information collection, use, and sharing practices for this Web site.                                                     

我们公司(“我们”或“我们公司”)认识到您关心有关您信息的收集和使用方式。我们制定了本隐私政策,以通知您我们在本网站上关于信息的收集、使用和共享的做法。

Please be advised that the practices described in this Privacy Policy apply only to information gathered through this Web site and do not necessarily reflect our practices with respect to information gathered through other means, including digital means such as other Web sites and email communications.

请注意,本隐私政策中描述的做法仅适用于通过本网站收集的信息,并不一定反映我们通过其他方式收集的信息的做法,包括其他网站和电子邮件通信等数字方式。

 

If you have any questions regarding this Privacy Policy, please contact us at: the number listed on this website.

如果您对本隐私政策有任何疑问,请通过本网站上列出的电话号码与我们联系。

 

What information do we collect and how is it used?

我们收集了什么信息,如何使用?

Information You Voluntarily Provide                           

您自愿提供的信息

For purposes of this Privacy Policy, “Personal Information” is information that you provide to us that may be used to identify you, such as your full name, physical address, email address, or phone number. Except as otherwise provided in this Privacy Policy, we do not collect Personal Information through this Web site unless you voluntarily submit it. Personal Information will be collected when you fill out a “contact us” form and/or when you otherwise voluntarily submit or provide Personal Information to us. We use Personal Information to provide the services and information you have requested and for administrative and analytical purposes. For example, unless otherwise prohibited by law, the Personal Information may be used to contact you (by telephone, regular mail, email, facsimile or other means) to answer your questions or respond to your comments, to send you information about our products and services, to provide emails, newsletters and other communications, to conduct market research, to ensure compliance with our policies and applicable laws and regulations, and to market our products and services. Unless otherwise prohibited by law, we may also sell, rent or lease your Personal Information to third parties for marketing and promotional purposes.

在本隐私政策中,“个人信息”是指您提供给我们的、可用于识别您的信息,如您的全名、地址、电子邮件地址或电话号码。除非本隐私政策另有规定,否则我们不会通过本网站收集个人信息,除非您自愿提交。个人信息将在您填写“联系我们”表格时收集,或在您以其他方式自愿提交或提供个人信息时收集。我们使用个人信息提供您所请求的服务和信息,并用于管理和分析目的。例如,除非法律另有禁止,个人信息可用于通过电话、邮寄、电子邮件、传真或其他方式联系您,以回答您的问题或回应您的评论,向您发送有关我们产品和服务的信息,提供电子邮件、通讯和其他沟通,进行市场调研,确保遵守我们的政策和适用的法律法规,以及推广我们的产品和服务。除非法律另有禁止,否则我们可能还会将您的个人信息出售、租赁或转让给第三方,以进行市场和推广目的。


Information We Automatically Collect                 

我们自动收集的信息

Like many Web sites, we use “cookies” and other tracking technologies to collect certain Information automatically whenever you visit this Web site. Cookies are files stored on your computer's hard drive by your browser. Most browsers accept cookies automatically but allow you to disable them. If you choose to disable cookies, you may be unable to use certain features of this Web site.

像许多网站一样,我们使用“cookies”和其他跟踪技术,自动收集您访问本网站时的某些信息。Cookies是由您的浏览器存储在计算机硬盘上的文件。大多数浏览器会自动接受cookies,但允许您禁用它们。如果您选择禁用cookies,您可能无法使用本网站的某些功能。

Information we collect through the use of cookies and other tracking technologies may include your IP address, location of your computer (but not your street address), browser information, operating system type, and dates and times you accessed the Web site. We may also collect information regarding traffic patterns, how you came to our Web site, and site usage. This information is used for analysis and for online marketing.

通过使用cookies和其他跟踪技术收集的信息可能包括您的IP地址、计算机位置(但不包括您的街道地址)、浏览器信息、操作系统类型,以及您访问网站的日期和时间。我们还可能收集有关流量模式的信息、您如何访问我们的网站以及网站使用情况。这些信息用于分析和在线营销。

With both cookies and other tracking technologies, the information we collect does not contain your name, address, telephone number, or email address. We do not generally link the information we collect through the use of cookies and tracking technologies to Personal Information you submit. However, we reserve the right to use information collected in this manner to identify a Web site visitor if we reasonably believe it is necessary or advisable to enforce the policies of this Web site, to protect us or our clients, to prevent fraud, deception, or illegal activity, or to protect this Web site or its visitors.

通过cookies和其他跟踪技术收集的信息不包含您的姓名、地址、电话号码或电子邮件地址。我们通常不会将通过使用cookies和跟踪技术收集的信息与您提交的个人信息关联。但是,我们保留在合理认为有必要或明智的情况下使用以这种方式收集的信息来识别网站访问者的权利,以执行本网站的政策,保护我们或我们的客户,防止欺诈、欺骗或非法活动,或保护本网站及其访问者。


Is information collected from children?                       

收集儿童信息吗?

This Web site is not intended for use by children. If you are under the age of 18, you should not use this Web site and should not submit any information of any kind to us.     

本网站不适合儿童使用。如果您未满18岁,请勿使用本网站,也请勿向我们提交任何信息。


With whom do you share information?                       

与谁共享信息?                   

We engage third parties to perform services in connection with the operation of our business. Examples of these services include, but are not limited to, hosting and maintenance of our Web site, data storage and recovery, maintaining mailing lists, Web site evaluation, data analysis, data cleansing, and marketing assistance. We may provide information regarding you, including Personal Information, to these third parties. We may also share Personal Information you provide to us to with insurance and financial service providers in order to provide you with information about the availability and pricing of products and services.

我们聘请第三方提供与我们业务运营相关的服务。这些服务的示例包括但不限于网站托管和维护、数据存储和恢复、维护邮件列表、网站评估、数据分析、数据清理和营销协助。我们可能会将关于您的信息,包括个人信息,提供给这些第三方。我们也可能会与保险和金融服务提供商共享您提供的个人信息,以便向您提供有关产品和服务的可用性和定价的信息。

We may share non-Personal Information with others from time to time. Examples of such non-Personal Information include the number of users who visited this Web site during a specific time period. This information is shared in an aggregate form. 我们可能会不时与他人共享非个人信息。

例如,此类非个人信息包括在特定时间段内访问本网站的用户数量。该信息以汇总形式共享。

We reserve the right to transfer any information we have about you, including Personal Information, in connection with the sale or transfer of all or a portion of our business or assets to a third party.

我们保留在与第三方出售或转让我们全部或部分业务或资产时转移我们所拥有的任何信息,包括个人信息的权利。

We may also share information, including Personal Information, with third parties as described elsewhere in this Privacy Policy.

我们还可能根据本隐私政策的其他部分与第三方共享信息,包括个人信息。

In addition, we, or those with whom we have shared information in accordance with this Privacy Policy, may release Personal Information and/or non-Personal Information if we believe in good faith that: the law or legal process requires it; we have received a valid administrative request from a law enforcement agency; or such release is necessary or advisable to protect the rights, property or safety of us or our clients, our Web Site visitors, or others.

此外,我们或根据本隐私政策与我们共享信息的人,在合理相信法律或法律程序要求的情况下,或收到执法机构的有效行政请求,或为了保护我们或我们的客户、网站访问者或他人的权利、财产或安全而需要或明智地发布个人信息和/或非个人信息。

Notwithstanding the foregoing, we will not share Personal Information with any third party to the extent prohibited by applicable law or regulation.

尽管有上述规定,我们不会在适用法律或法规禁止的情况下与任何第三方共享个人信息。


What do you do to protect Personal Information?   

你们如何保护个人信息?

We use various security measures, including a firewall, to protect Personal Information we collect through this Web site. However, no data transmission or information system can be guaranteed to be secure. We do not warrant the security of any Personal Information you submit to us and all such transmissions are at your own risk.

我们使用各种安全措施,包括防火墙,来保护我们通过本网站收集的个人信息。然而,没有数据传输或信息系统可以保证是安全的。我们不保证您提交给我们的任何个人信息的安全性,所有此类传输均由您自行承担风险。


How can I correct Personal Information?                     

我如何更正个人信息?                

You can correct and update certain Personal Information you have provided to us by contacting us at the phone number listed on this website。                                               

您可以通过拨打本网站上列出的电话号码与我们联系,以更正和更新您提供给我们的某些个人信息。


What happens when I link from or to another Web site?                                                                                       

当我链接到其他网站时会发生什么?

This Web site may contain links to other Web sites operated by third parties. This Privacy Policy does not apply to information collected through these other Web sites. We encourage you to be aware when you leave this Web site and read the privacy policies of each and every Web site that you visit.

本网站可能包含指向第三方运营的其他网站的链接。本隐私政策不适用于通过这些其他网站收集的信息。我们鼓励您在离开本网站时保持警惕,并阅读您访问的每个网站的隐私政策。

If you have accessed this Web site through a link from another Web site, this Web site may include a frame. The information you provide to us through these framed Web pages is collected by us and this Privacy Policy governs our use of such information.

如果您通过其他网站的链接访问本网站,本网站可能包含一个框架。您通过这些框架网页提供给我们的信息将由我们收集,并且本隐私政策适用于我们对该信息的使用。


How will I be informed about changes to this Privacy Policy?                                                                                   

我将如何被告知本隐私政策的变更?

Our Web site will continue to evolve to bring you new features and services and to implement technological advances. As a result, we may change this Privacy Policy from time to time without prior notice. Revised versions of this Privacy Policy will be posted on this Web site, together with an updated effective date. In some cases, we may also send an email notifying users of the changes. You should check this Web site regularly to see if any recent changes to this Privacy Policy have occurred. By continuing to use this Web site after we post any such changes, you accept the Privacy Policy as modified.

我们的官方网站将继续发展,以为您提供新功能和服务,并实施技术进步。因此,我们可能会不时更改本隐私政策,而无需提前通知。修订版的隐私政策将在本网站上发布,并附上更新的生效日期。在某些情况下,我们可能还会发送电子邮件通知用户有关更改。您应定期检查本网站,以查看是否有最近对本隐私政策的更改。继续使用本网站即表示您接受修改后的隐私政策。

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Philadelphia
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Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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