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Security report for coloniallife.com

Colonial Life & Accident Insurance · Healthcare · United States

Low risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

80/100

Risk levelLow

0–100, higher is better. How it is calculated

Colonial Life & Accident Insurance Company operates a comprehensive website offering supplemental health insurance products including life, accident, disability, cancer, and critical illness insurance. The company targets individuals, employers, and brokers, positioning itself as a large, established player in the US healthcare insurance market. The website is professionally designed with excellent content quality, clear navigation, and strong branding consistency. It leverages modern marketing and analytics technologies such as Google Analytics, Facebook Pixel, Marketo, and HubSpot, indicating a mature digital infrastructure. Security posture is good with HTTPS enforced and reCAPTCHA implemented, though security headers and explicit security policies are not publicly found. The WHOIS data is unavailable from the raw output, but the website's trust signals and association with parent company Unum support legitimacy. Overall, the site is safe, professional, and well-optimized for user experience and marketing.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

3 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching coloniallife.com

This scan found 16 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Full report

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
82
Security headers
60
Email security
85
DNS health
85
Network security
100
GDPR outside view
68
Average
80

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Colonial Life benefits from its affiliation with Unum, a reputable insurance provider, enhancing its market credibility. The business model focuses on voluntary and supplemental insurance benefits, appealing to employers seeking competitive benefits packages and individuals requiring additional coverage. The website's content and resources indicate a strong emphasis on benefits education and enrollment solutions, supporting customer engagement and retention. The company maintains active social media channels and provides clear contact points, including a toll-free customer service number. The marketing ecosystem is robust, utilizing multiple tracking and advertising platforms to optimize outreach. No suspicious domains or affiliate programs were detected, reinforcing a focused and professional business approach.

Security posture

The website enforces HTTPS and integrates Google reCAPTCHA to protect forms, demonstrating basic to good security hygiene. However, the absence of visible security headers such as Content-Security-Policy or X-Frame-Options suggests room for improvement. No public security policy or incident response information is available, which could be a gap in transparency and preparedness. No vulnerabilities or exposed sensitive data were detected in the HTML content. The extensive use of third-party marketing and analytics scripts introduces a moderate risk surface, but these are industry-standard tools. Overall, the security posture is solid but could be enhanced by publishing security policies and implementing additional HTTP security headers.

Recommendations

  1. Implement and publish a comprehensive security policy and incident response page to improve transparency and trust.
  2. Add HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to enhance protection against common web attacks.
  3. Consider publishing a vulnerability disclosure policy or security.txt file to facilitate responsible reporting of security issues.
  4. Review and audit third-party scripts regularly to minimize privacy and security risks.
  5. Enhance WHOIS data visibility or ensure domain registration information is accessible to improve domain trustworthiness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Colonial Life & Accident Insurance
Description
Colonial Life offers supplemental health benefits for life insurance, accident insurance, disability insurance and more.
Key services
Life Insurance, Accident Insurance, Disability Insurance, Cancer Insurance, Critical Illness Insurance, Dental & Vision Insurance, Hospital Indemnity Insurance
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics, Facebook Pixel, Marketo Munchkin, Vimeo Player, Bing UET, HubSpot scripts, FullStory
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA (hidden badge)
  • No exposed sensitive data in HTML
  • Form submission protections

Analytics and tracking

Services
Google Analytics, Facebook Pixel, Bing UET, Marketo Munchkin, FullStory
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Bing Ads, Facebook Ads, Google Ads
Tracking pixels
Facebook Pixel, Bing UET, Marketo Munchkin, FullStory
Marketing tools
HubSpot, Marketo
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and multimedia
  2. Strong use of structured data and SEO best practices
  3. Multiple tracking and marketing scripts present indicating mature digital marketing
  4. No security policy or incident response page publicly found
  5. No visible security headers detected in HTML source
  6. No WHOIS data available from raw output, possibly due to query or registrar restrictions
  7. Clear contact information with toll-free phone number and customer service details
  8. Parent company Unum is a reputable insurance provider
  9. No suspicious or malicious content detected
Technical notes

Notes

The website is built on a modern CMS platform, likely Sitecore, with a well-structured HTML5 markup and responsive design optimized for mobile devices. It uses a variety of marketing and analytics technologies including Google Tag Manager, Google Analytics, Facebook Pixel, Marketo Munchkin, and FullStory, indicating a sophisticated digital marketing infrastructure. Performance is moderate, with asynchronous loading of scripts to optimize page load times. Accessibility features such as skip links and ARIA roles are present, supporting usability. SEO is well addressed with meta tags, Open Graph data, and JSON-LD structured data for organization and contact information. The technical implementation is robust, though security header implementation could be improved.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Earlier scans of this domain

  1. 80/100Low24 findingsView report
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