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Upstream Life plans on being a leader in the life insurance and annuity market, ultimately continuing the legacy that began in 1912 and delivering our unique products and services throughout the United States through continued acquisition and de novo expansion.
Upstream Life Founders, Colby Arceneaux, (Executive Director and Chairman), and father and son team Kevin Hebert (President of Sales), and Derek Hebert (President and CEO), are all highly driven former college athletes hailing from South Louisiana. Arceneaux began his career in accounting and corporate finance in 2010 and was educated at the University of Chicago Booth School of Business, Loyola University Chicago Graduate School of Law, Tulane University A.B. Freeman School of Business, Northwestern State University School of Business, and the University of Mississippi Patterson School of Accounting. Kevin is a nationally recognized industry professional, boasting an array of professional achievement awards throughout his 36-year insurance career. Derek is a second-generation insurance professional, having worked in the industry since graduating from Louisiana State University in 2005. The group founded Upstream in 2016 and plan to continue the expansion of the holdings, enhancing the legacy of their platform.
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, phone number, social security number, Tax ID or other details to help you with your experience.
We collect information from you when you register on our site, fill out a form or enter information on our site.
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.
We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.
If users disable cookies in their browser:
If you disable cookies off, some features will be disabled It will turn off some of the features that make your site experience more efficient and some of our services will not function properly.
If you disable cookies in your browser the following site features will not work:
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.
We do not include or offer third party products or services on our website.
Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We have not enabled Google AdSense on our site but we may do so in the future.
According to CalOPPA we agree to the following:
Users can visit our site anonymously
Users are able to change their personal information:
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?
It's also important to note that we do not allow third party behavioral tracking
When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.
We do not specifically market to children under 13.
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
We will notify the users via in site notification
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CANSPAM we agree to the following:
If at any time you would like to unsubscribe from receiving future emails, you can and we will promptly remove you from ALL correspondence.
P.O. Box 27647
Salt Lake City, UT 84127-0647
If you want to contact us, please enter your email and message and we'll get back to you soon.
P.O. Box 27647
Salt Lake City, UT 84127-0647
Contact Phone: 855-882-0346
Fax Number: 888-433-4795