Last Revised: March 2025
Introduction
Thank you for your interest in how Milliman Inc. and its affiliates (hereinafter “Milliman” or “we”) use cookies on our sites.
We have provided this Cookie Policy to provide you with transparency so you can make informed choices about how Milliman and third parties track your personal data utilizing cookies. This Cookie Policy explains how your personal data is collected, shared, and analyzed by our third-party vendor service providers to improve the performance and user satisfaction of our sites, to help those sites function properly for your use and convenience, and to enable Milliman to analyze the statistical use of our sites.
For some of our sites, we may post a Cookie Policy that is site-specific. We do this in order to best describe the use of cookies for sites that are administered by our third-party vendor service providers on these sites. Additionally, where the laws of the country require different legal disclosures to a consumer regarding cookies, we may post a site-specific version to comply with applicable law. By posting a separate and site-specific policy on these selected sites, we are able to provide transparency to you, describing in detail how the use of cookies is configured in a way that is different from how Milliman typically manages cookies on its sites, in accordance with local laws or as explained in this Cookie Policy.
Visiting our sites
This Cookie Policy shall apply to the Milliman domain owned by us and any subsite, subdomain, subdirectory, virtual site, or virtual directory thereof (each a “site” and, collectively, the "sites”). We will continue to update you and revise this Policy as it may be required under applicable law and as technical capabilities are enhanced and additional choices regarding the use of cookies become available to you.
Identification of individuals to contact at Milliman with questions concerning cookies
We hope that this Cookie Policy helps you understand and provides a good explanation for our use of cookies on the sites. If after reviewing this Policy you have any further questions for us, require assistance, or have requests based upon the information provided here, please contact us by completing this form.
What are cookies?
In some instances, Milliman may collect data through cookies. A "cookie" is a text-only string of data that Milliman sends to the cookie file of the browser on a website visitor’s computer hard disk using Milliman’s web server. Cookies are used to make websites work, or work more efficiently, as well as to provide data to the owners of the website.
There are a number of different categories of cookies, each with its own function and limitations. Milliman’s website may use required, analytics, performance, and targeting cookies.
Required cookies (also called strictly necessary cookies): These cookies are essential to the functionality of the sites in order to facilitate your use of the sites and their features, and in order to enable you to move around the sites smoothly. Without these cookies, we may not be able to provide certain services or features, and the sites will not properly function. These cookies may collect your IP address and related information about your interaction with our website (length of visit, pages visited, links clicked, and geolocation information). You can set your browser to block these cookies, but some parts of the sites may not then work.
Targeting cookies: These cookies are third-party cookies set through our site by third parties. Milliman websites may feature content (such as buttons, widgets, and other embedded features or content) put in place by third parties that rely on cookies or similar technologies. Milliman does not set any additional cookies relating to your use of this embedded content. However, if you choose to click on these links and they take you to a third-party website, that third-party may place additional cookies of its own. If you do not allow these cookies, you will experience less targeted advertising.
Milliman’s ribbon, at the bottom of its website landing page, lists all the specific cookies used by Milliman, sorted by category.
The majority of web browsers accept cookies and similar files, but a visitor can usually change the browser settings to prevent this. However, by doing so, some functionality of Milliman’s website may be lost. Please visit https://www.aboutcookies.org/ to learn more about cookies and how to control them.
We rely on your consent, to the extent required by law, to use non-required cookies that may collect your personal data.
For this reason, we want to provide as much information to you as possible about the cookies we use and how we manage them when you provide us with your consent. Your consent enables us to use cookies to provide the necessary functionality for you to effectively use our sites. Moreover, it enables a positive and streamlined user experience on our sites, it tracks your viewing activity across our sites’ web pages and helps us conduct analytics on your visits to our sites in order to accomplish the objectives outlined in this Cookie Policy.
Cookies used
Required cookies
| Name | Purpose | Expiring time | Type | Providers |
|---|---|---|---|---|
| AGS_ROLES | Allows Milliman to embed interactive maps by ArcGIS Online/Enterprise. | Session | Third-Party | ArcGIS Privacy Policy |
| ARRAffinity | Ensures that visitor page requests are routed to the same server during a browsing session. This is set by websites running on the Windows Azure cloud platform and is used for load balancing. | Session | First-Party | Milliman Privacy Policy |
| ARRAffinitySameSite | Distributes website traffic across multiple servers to optimize response times. | Session | First-Party | Milliman Privacy Policy |
| cf_clearance | Stores proof of a passed challenge. When present, it prevents the need to issue another challenge. It is required to access an origin server. | 30 minutes | First-Party | Milliman Privacy Policy |
| __cf_bm | Identifies and mitigates automated traffic to protect our site from bad bots. | 30 minutes | First-Party | Milliman Privacy Policy |
| Cookietest | Verifies whether cookies are enabled in the user's browser. | A few seconds | First-Party | Milliman Privacy Policy |
| coveo_visitorId (ClientID) | Identifies a unique user-device pair to facilitate internal search functionality. | 30 minutes | First-Party | Milliman Privacy Policy |
| driftt_aid | Associates a website visitor with their profile in the Drift system, enabling Drift to retain and recall the information provided by the visitor during chat interactions on future site visits. | 1 year | First-Party | Milliman Privacy Policy |
| drift_campaign_refresh | Links a website visitor to their current session within the Drift system, enabling session-specific features such as displaying a message only once during a 30-minute session to prevent a disruptive experience. | Session | First-Party | Milliman Privacy Policy |
| OptanonAlertBoxClosed | Prevents the website from displaying a message more than once to a user. Set by websites using certain versions of the cookie compliance solution from OneTrust. | 365 days | First-Party | Milliman Privacy Policy |
| OptanonConsent | Stores information about the categories of cookies the site uses and whether visitors have given or withdrawn consent for each category. This enables site owners to prevent cookies in each category from being set in users' browsers when consent has not been given. Set by the cookie compliance solution from OneTrust. | 365 days | First-Party | Milliman Privacy Policy |
| pubsite-arcgisCORS | Allows Milliman to embed interactive maps by ArcGIS Online/Enterprise. | Session | Third-Party | ArcGIS Privacy Policy |
| pubsite-arcgis | Allows Milliman to embed interactive maps by ArcGIS Online/Enterprise. | Session | Third-Party | ArcGIS Privacy Policy |
| sc_site | Sets the name of the site. | Session | First Party | Milliman Privacy Policy |
| WFESessionId | Facilitates the visualization of data necessary to enable a Power BI session (a Microsoft tool). | Session | First Party | Milliman Privacy Policy |
Analytics and Performance Cookies
| Name | Purpose | Expiring time | Type | Providers |
|---|---|---|---|---|
| _ai_id | Contains the program for the marketing campaign Ai. Each marketing campaign run by Ai Media Group is assigned a unique numerical ID. A cookie is set on the user's browser when the user clicks on an ad from a campaign, allowing Milliman to attribute the campaign if a conversion occurs. | 365 days | Third-Party | Ai Media Group Privacy Policy |
| _aiid | Stores the unique visitor ID Ai Media Group generated for that website visitor. | 365 days | Third-Party | Ai Media Group Privacy Policy |
| _clsk | Connects multiple page views by a user into a single Clarity session recording. Used by Microsoft Clarity. | 1 day | Third-Party | Microsoft Privacy Policy |
| CLID | Indicates the first time Microsoft Clarity detected this user on any site utilizing Clarity. | 1 year | Third-Party | Microsoft Privacy Policy |
| _clck | Persists the Clarity User ID and preferences, ensuring that all site interactions are attributed to the same user ID. | 1 year | Third-Party | Microsoft Privacy Policy |
| cfuvid | Used to allow the Cloudflare Web Application Firewall (WAF) to distinguish individual users who share the same IP address. | 30 days | Third-Party | Cloudflare Privacy Policy |
| MR | Indicates whether to refresh the MUID cookie, which Identifies unique web browsers visiting Microsoft sites. | One week | Third-Party | Microsoft Privacy Policy |
| _pk_ses* | Tracks the visitor's page requests during the session. The cookies are used to compile user statistics that cannot be directly tied to individuals. This is an Ai Analytics session cookie. | 30 minutes | Third-Party | Piwik Privacy Policy |
| _pk_id* | Stores a few details about the user, such as the unique visitor ID, to support ad performance tracking. | 13 months | Third-Party | Ai Media Group Privacy Policy |
| sc_{SitecoreEdgeContextId} | Used for tracking, analytics, and personalizing website experience. | 1 year | First Party | Milliman Privacy Policy |
| _Secure-xxxxxx | Collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. | 1 year | Third Party | Google Inc. Privacy Policy |
| SM | Synchronizes the MUID cookie across Microsoft domains. | Session | Third Party | Microsoft Privacy Policy |
| SRM_B | Identifies unique web browsers visiting sites from Microsoft Bing. | 1 year | Third Party | Microsoft Privacy Policy |
| theUTMs | Contains all utm values captured from the URL. UTM values are parameters added to URLs to track advertising campaign performance. | 1 year | Third Party | Ai Media Group Privacy Policy |
Targeting Cookies
| Name | Purpose | Expiring time | Type | Providers |
|---|---|---|---|---|
| ANONCHK | Indicates whether MUID is transferred to ANID, a cookie used for advertising. | 10 minutes | Third-Party | Microsoft Privacy Policy |
| ar_debug | Supports Google attribution reporting API integration to mitigate signal loss. | Session | Third-Party | LinkedIn Privacy Policy |
| AnalyticsSyncHistory | Stores information about the time a sync took place with the lms_analytics cookie. | 30 days | Third-Party | LinkedIn Privacy Policy |
| bcookie | Uniquely identifies devices accessing LinkedIn to detect abuse on the platform. | 1 year | Third-Party | LinkedIn Privacy Policy |
| bscookie | Remembers that a logged-in user is verified by two factor authentication and has previously logged in. | 1 year | Third-Party | LinkedIn Privacy Policy |
| gcl_au | Allows Google AdSense to experiment with advertisement efficiency across websites using their services. | 2 months | Third-Party | Google Inc. Privacy Policy |
| NID | Used to show Google ads in Google services for signed-out users. | 6 months | Third-Party | Google Inc. Privacy Policy |
| IDE | Provides ad delivery or retargeting. | 1 year | Third-Party | Google Inc. Privacy Policy |
| li_sugr | Makes a probabilistic match of a user's identity outside the designated countries. | 90 days | Third-Party | LinkedIn Privacy Policy |
| lidc | Facilitates data center selection. | 24 hours | Third-Party | LinkedIn Privacy Policy |
| MSPTC | Registers data on the visitor. The information is used to optimize advertisement relevance on the Bing search engine. | 1 year | Third-Party | Microsoft Privacy Policy |
| MUID | Identifies unique web browsers visiting Microsoft sites. These cookies are used for advertising, site analytics, and other operational purposes. | 13 months for click data and 30 days for playback data (recordings data) | Third-Party | Microsoft Privacy Policy |
| _pk_ref* | Stores the attribution information, the referrer initially used to visit the website. | 6 months | Third-Party | Piwik Privacy Policy |
| test_cookie | Determines if the user's browser supports cookies. Set by doubleclick.net. | 15 minutes | Third-Party | Google Inc. Privacy Policy |
| UserMatchHistory | LinkedIn Ads ID syncing. | 30 days | Third-Party | LinkedIn Privacy Policy |
| _uetsid | Contains the session ID for a unique session on the site. As of as of July 2023, _uetsid has been updated with additional parameters as follows: insights_sessionId, timestamp, pagenumber, upgrade, upload. This cookie is collected via the UET tag (Universal Event Tracking tag). | 30 days | Third-Party | Microsoft Privacy Policy |
| VISITOR_INFO1_LIVE | Provides ad delivery or retargeting, stores and track a visitor's identity, stores and track interaction with Youtube. | 6 months | Third-Party | Google Inc. Privacy Policy |
| VISITOR_PRIVACY_METADATA | Allows Google to collect and store data about the YouTube videos site visitors watch. Additionally, it may store user preferences for the YouTube video player. | 180 days | Third-Party | Google Inc. Privacy Policy |
| YSC | Allows YouTube to remember user input and associate a user’s actions. | Session | Third-Party | Google Inc. Privacy Policy |
Obtaining your consent and your choices
The first time you visit the sites, you will be provided with a cookie disclosure ribbon at the top of Milliman’s website landing page that informs you of the following: “Milliman and our third-party website analytics and performance partners use cookies on our website that collect and use personal information in order to constantly improve website performance and reliability and to provide accurate and relevant information. By clicking “Accept” you consent to the placement and use of cookies by Milliman and our third-party analytics partners for these purposes. You can learn more about how this site uses cookies and related technologies by reading our Cookie Policy.”
You may contact Milliman by submitting a form to discuss the kinds of cookies we use on our website and the various choices available to you to manage cookies and your personal information.
To enhance the management of your consent, we have implemented Google Consent Mode, a feature provided by Google LLC. For further details about this feature, please visit the dedicated site. By accepting the use of this feature, your personal data will be collected by Google Ads, ensuring that your consent preferences are maintained as you navigate through different pages. If you choose not to grant consent, your personal data will neither be collected nor stored, and the tags that would normally store cookies will not do so. Instead, these tags will transmit only minimal, anonymized information about user activity. This ensures that no personal data is collected or stored. The consent state and anonymized user activity are then communicated to the Google server through cookieless pings or signals, thereby respecting your consent preferences.
Options for cookie selection and opt-in:
Required cookies: Unfortunately, these cookies cannot be disabled or modified, which is why we refer to these as “required" or “strictly necessary.”
Analytics and targeting cookies: You may opt out of these cookies in accordance with the instructions contained in the ribbon at the top of Milliman’s website landing page.
Changing your choices
You may change your cookie settings at any time, by clicking Manage cookie preferences. If you revise your choices, Milliman will clear the cookies in the specific categories you have selected, and those cookies will no longer track your activity on the sites. If you do not ask for your settings to be changed, your previous choices and the previous consent you provided to Milliman will apply to your current session on the sites.
Third-party embedded content
Milliman websites may feature content (such as buttons, widgets, and other embedded features or content) put in place by third parties that rely on cookies or similar technologies. Milliman does not set any additional cookies relating to your use of this embedded content. However, if you choose to click on these links and they take you to a third-party website, that third party may place additional cookies of its own. These third-party cookies fall outside the scope of this Cookie Policy. We encourage you to reach out to the third party if you have any questions about how they track your use of the embedded content on our sites.
You can learn more about the privacy policies of these third-party content providers and how to opt out of their cookies by clicking the appropriate link below:
Facebook and Instagram: https://www.facebook.com/policies/cookies/
Google LLC and YouTube: https://policies.google.com/privacy
LinkedIn: https://privacy.linkedin.com/
How can you further control cookies on the sites?
You may outright refuse to accept cookies from the sites at any time by activating the setting on your browser that enables you to refuse cookies. You may also adjust the settings on your browser to clear cookies. You may also opt out of cookies by refusing to accept cookies when prompted by the ribbon. Please note that by disabling or blocking any or all cookies, some features of the sites may not operate as intended, or you may not have access to features or personalization available through the site. Find out how to manage cookies on popular browsers:
To find information relating to other browsers, visit the browser developer's website.
How does Milliman respond to Do Not Track signals?
Milliman sites currently do not respond to Do Not Track signals in browsers.
Changes and revisions to this Cookie Policy
Please take a look at the last revised date at the top of this page to see when this Cookie Policy was last revised. Any changes in this Cookie Policy will become effective when we make the revised Cookie Policy available on or through the site.