Cookie Policy

We deliver a promise – to look after you always. We respect the privacy of all users of our website.

This website/Laya App uses cookies.  Our cookies policy explains what cookies we use on our website and the purpose of each cookie. It also explains how you can manage your preferences in relation to the cookies we use.

What are cookies?

Cookies are small text files that are placed on your computer, tablet or mobile device when you visit a website.  Among other things, cookies can be used to recognise you or your device when you return to our website or browse other websites.  Cookies help us to understand user behaviour, make our website work better and target online advertising.

Cookies can be set by the owner of the website (first party cookies) or in some cases by third party services the website owner allows to present information, run content or provide other functionality on the website, such as analytics (third party cookies).

We use the term cookies to describe cookies and other technologies that operate in a similar way.

For more information about cookies, you can visit www.allaboutcookies.org. Please note that this site is operated by a third party and not by us.

What types of cookie are there?

We categorise the cookies used on our website into one of four categories as follows:

  • Strictly necessary cookies – these cookies are essential to make the site function (e.g. to remember that you are logged into the website)
  • Personalisation cookies - these cookies make your website experience more personalised and allow us to communicate updates that are more personal and relevant to you.

  • Performance cookies – these cookies allow us to monitor the performance of the website and how it is used (e.g. analytics cookies); these cookies enable us to identify problems with the website and to identify where improvements can be made

  • Functional cookies – these cookies are used to enable certain functions of the website to operate (e.g. to show embedded videos) and to remember your preferences (e.g. remember preferences such as not showing the cookie consent banner after you have clicked "I agree")
  • Advertising cookies – these cookies are used in connection with the provision of targeted advertisements on other sites, and to track any sales due to these advertisements. For example, these cookies will remember that you have visited our website and may be used to show you a tailored advertisement on another website, such as a social media platform.

How do I change my cookie settings?

Strictly necessary cookies are set automatically and this cannot be changed using the banner or the 'Your Cookie Preferences' box on this page.

You can control whether Personalisation, Performance, Functional, and Advertising cookies are set using the cookie banner at the top of the website, or using the 'Your Cookie Preferences' box. We will use the following strictly necessary cookie to remember your preferences: Laya Cookie Preferences and Banner Cookie (see the table below for details).

Once you have submitted your cookie preferences, the cookie banner will disappear from your screen, and re-appear after a period of 6 months. If you had opted in, but do not opt in again at this 6 month point, the cookies set by the website will still exist on your browser, for the lifespan listed in the cookies table below, but will cease to operate. You can completely remove cookies from your browser by following the instructions in this section of this policy.

You can use your browser settings to choose whether you want to accept cookies or not, as well as to remove cookies that have been set on your device.

You can find out how to manage cookies on popular browsers by using the links below:

To find information relating to other browsers, visit the browser developer's website.

To opt out of being tracked by Google Analytics across all websites, visit http://tools.google.com/dlpage/gaoptout.

It may also be possible to install extensions into your web browser that block cookies and online advertising.  Please consult your browser developer's website for more information on this technology.

While you can still visit and browse our website if you block or remove cookies, the functionality and performance of the website may be impaired as a result, and you may be prevented from using certain services provided through the website.

If you would like to change your preferences in relation to certain cookies used for online targeted advertising, you can also visit the self-regulatory program opt-out webpages listed below:

Please note that these sites are operated by third parties and not by us. Please also note that any opt out preference selected will only apply to the web browser on the particular device from which you access the opt-out options.

What cookies are used on the website?

The table below explains the cookies we use on our website/Laya App, why we use them and how long they stay on you device.

Laya Life insurance is underwritten by iptiQ Life S.A. To provide you with a quotation, set up your insurance policy, and continually improve the service provided, iptiQ Life S.A use the cookies in the below table.

Cookie/Responsible PartyCategoryNamePurposeLifespanType of Cookie
Laya Logged in and session cookies / Laya Healthcare Strictly Necessary MLOG, access_token The MLOG cookie is used to control various functions on the website  (e.g. show different menu options to users who are logged on). The access_token cookie is used for purchasing and login functionality. MLOG and Access_token  expire after the browsing session (ie when the browser is closed) 1st Party
Laya Cookie Preference Cookie / Laya Healthcare Strictly Necessary cookiePreference

This cookie is used to hide the cookie banner once it is accepted by a user.

Expires after 6 months 1st Party
Laya DoS/DDoS/WAF protection Strictly Necessary visid_incap_*
incap_ses_*

These cookies enable web security features such as DoS/DDoS and WAF protection through the Imperva Web Application Firewall

visid_incap_* cookies is valid for 12 months.
Incap_ses_* cookies are valid for this session only
1st Party
LivePerson / LivePerson Functional LPSessionID, LPSID-91341582, LPVID, LPVisitorID These cookies are used to enable the webchat feature of the website to operate. To view the LivePerson privacy policy, please visit: https://www.liveperson.com/policies/privacy. LPSessionID and LPSID-91341582 expire after the browsing session (ie when the browser is closed) LPVID and LPVisitorID expire after 2 years 3rd Party
Laya Reminder Banner cookie / Laya Healthcare Functional reminder_scheme, reminder_url These cookies are used to remember the products you looked at on your last visit to our website and to display these in a banner on the website. reminder_scheme and reminder_url expire after 42 days 1st Party
Laya User type cookie / Laya Healthcare Functional USERTYPE This cookie is used to remember log-in dropdown for convenience. Expires after 3 months 1st Party
Openstreet Map cookie / Openstreet  Functional _osm_totp_token This cookie is used to display maps on product coverage tools. To view the Openstreet privacy policy, please visit:  https://wiki.osmfoundation.org/wiki/Privacy_Policy   Expires after 1 year 3rd Party
YouTube / YouTube Functional APISID, CONSENT, HSID, LOGIN_INFO, PREF, SAPISID, SID, SIDCC, SSID, VISITOR_INFOR1_LIVE, YSC These cookies allow you to watch the YouTube videos that are on our website. For more information on the YouTube cookies, please visit:  https://policies.google.com/technologies/cookies?hl=en-US   CONSENT expires after 18 years APISID, HSID, LOGIN_INFO, PREF, SAPISID, SID, SSID expire after 2 years VISITOR_INFOR1_LIVE and  SIDCC  expire after 3 months YSC expires after session. 3rd Party
Google Analytics cookies / Google Performance _ga, _gat, _gid These cookies enable us to collect and analyse data about how visitors arrive at our site and then how they interact with our site. This information is used to improve the website, application process and product offering. For more information on the Google cookies, please visit:  https://policies.google.com/technologies/cookies?hl=en-US To opt out of being tracked by Google Analytics across all websites, visit http://tools.google.com/dlpage/gaoptout. _ga expires after  2 years
_gid expires after 24 hours
_gat expires after 1 minute
AMP_TOKEN expires after 30 seconds to 1 year
3rd Party
Matomo Analytics Cookies Performance _pk_ref, _pk_cvar, _pk_id, _pk_ses, _pk_hsr  These cookies enable us to collect and analyse data about how visitors arrive at our site and then how they interact with our site (e.g. content you view, products you search for and steps taken towards a sale). We use the information to help us improve the website. _pk_ref expires after 6 months, _pk_id expires after  13 months _pk_cvar and _pk_ses, and _gid expire after 30mins   1st Party
SpeedCurve cookies Performance lux_uid The lux_uid cookie is used for tracking sessions for measuring website speed. We use this information to allow us to improve website performance. For more information on SpeedCurve cookies please visit: https://www.speedcurve.com/terms/ 30mins 1st Party
HubSpot Performance __hstc, hubspotutk, __hssc, __hssrc, These cookies enable us to collect and analyse data about visitors and how they interact with our site (e.g. products you search for and steps taken towards a sale). We use the information to provide follow-up quotes and tailored communications. __hstc, hubspotutk: expires after 6 months. __hssc: expires after 30 minutes. __hssrc: expires at the end of the session. 3rd party
Google DoubleClick remarketing cookies/ Google Advertising _fbp, _ga, _gcl-au, 1P_JAR, AID, ANID, B, CONSENT, DSID, IDE, NID, UULE. These cookies are used for advertising and marketing purposes. We use these cookies to know that a visitor has been on our site before which allows us (or a third party) to display an appropriate advertisement on another website. For more information on the Google cookies, please visit:  https://policies.google.com/technologies/cookies?hl=en-US   _fbp, _gcl-au expire after 3 months _ga expires after 15 months 1P_JAR and DSID expire after 1 month AID expires after 4 months ANID and B expire after 1 year CONSENT expires after 18 years IDE expires after 2 years NID expires after 18 months UULE expires after 1 day 3rd Party
Click Dimensions / Click Dimensions Advertising _fbp, _ga, _gcl_au, _gid, _cuvid

Click Dimensions is a unified marketing, analytics and services platform.

Click Dimension Cookie details: https://support.clickdimensions.com/hc/en-us/articles/115001156993-ClickDimensions-Cookies-for-Web-Analytics

2 years 3rd Party
Facebook remarketing cookies / Facebook  Advertising Fr, (unnamed cookie) These cookies are used for advertising and marketing purposes. We use these cookies to know that a visitor has been on our site before which allows us (or a third party) to display an appropriate advertisement on another website. For more information on the Facebook cookies, please visit: https://www.facebook.com/policy/cookies/ Fr expires after 3 months Unnamed Facebook cookie expires after session (ie when the browser is closed) 3rd Party
Quantserve remarketing cookies / Quantcast Advertising _qca, d, mc These cookies are used for advertising and marketing purposes. We use these cookies to know that a visitor has been on our site before which allows us (or a third party) to display an appropriate advertisement on another website. For more information on the Quantserve cookies, please visit:  https://www.quantcast.com/privacy/ _qca expires after 2 years d expires after 3 months mc expires after 1 year 3rd Party
Twitter remarketing cookies / Twitter Advertising _ga, _gid, _twitter_sess, ads_pref, auth_token, csrf_same_site, csrf_same_site_set, dnt, eu_cn, guest_id, kdt, lang, muc, personalization_id, remember_checked_on, rweb_option, tfw_exp, twid These cookies are used for advertising and marketing purposes. We use these cookies to know that a visitor has been on our site before which allows us (or a third party) to display an appropriate advertisement on another website. For more information on the Twitter cookies, please visit:   https://help.twitter.com/en/rules-and-policies/twitter-cookies# _ga, guest_id, kdt, muc and personalization_id expire after 2 years _gid expires after 1 day _twitter_sess and lang expire after the browsing session (ie when the browser is closed) ads_pref, auth_token, dnt, remember_checked_on and twid expire after 5 years csrf_same_site, csrf_same_site_set, eu_cn and rweb_option expire after 1 year tfw_exp expires after 2 weeks 3rd Party
Yahoo remarketing cookies / Yahoo Advertising APID, B, IDSYNC These cookies are used for advertising and marketing purposes. We use these cookies to know that a visitor has been on our site before which allows us (or a third party) to display an appropriate advertisement on another website. For more information on the Yahoo cookies, please visit:  https://policies.yahoo.com/xa/en/yahoo/privacy/topics/cookies/index.htm APID expires after 4 months B and IDSYNC expire after 1 year 3rd Party
Google Analytics cookies for Google Optimize / Google Performance  _gaexp, _opt_awcid, _opt_awmid, _opt_awgid, _opt_awkid, _opt_utmc 

We use Google Optimize to test new functionality, content and design with a sample of site visitors. Cookies are used to identify how visitors arrive on our site and what test variants they are shown.

For more information on the Google cookies, please visit:  https://policies.google.com/technologies/cookies?hl=en-US

To opt out of being tracked by Google Analytics across all websites, visit http://tools.google.com/dlpage/gaoptout

_gaexp expires depending on the length of the testing period, but typically after 90 days
_opt_awcid, _opt_awmid, _opt_awgid, _opt_awkid, _opt_utmc expire after 24 hours
3rd Party 
Session cookie / iptiQ Life S.A.  Strictly Necessary  SESSION  Used for user sessions.  Expire after the browsing session (ie when the browser is closed)  1st Party 
Xtremepush Personalisation personalisation_laya This cookie allows us to understand behaviour, interactions, and to collect information to inform and facilitate messages through Push Notifications, Email or SMS. This allows for more personalised communications and meaningful engagement with our members. Expires after 6 months 3rd Party