1. Introduction

This Privacy Policy describes how we collect, use, store, and protect personal information when you visit this website or submit information through our forms. This website is operated by an independent life insurance broker (“we,” “us,” or “our”).

By using this website, you consent to the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following personal information when you voluntarily submit it through this website:

First and last name

Phone number

Email address

ZIP code or state

Age or date of birth (if provided)

Information related to your insurance inquiry

Communication preferences

We do not knowingly collect information from individuals under 18 years of age.

3. How We Use Your Information

We use the information collected to:

Respond to insurance inquiries

Provide insurance quotes or coverage options

Schedule and confirm appointments

Communicate via phone, email, or SMS regarding your inquiry

Maintain internal records related to insurance services

We do not use personal information for unrelated or unsolicited marketing purposes.

4. SMS Opt-In & Communications

By submitting your phone number through this website, you expressly consent to receive SMS/text messages related to your insurance inquiry, including appointment reminders and follow-ups. Messages may be sent using automated technology.

Message frequency varies

Message and data rates may apply

You may opt out at any time by replying STOP

For help, reply HELP

Consent to receive SMS messages is not a condition of purchasing insurance.

5. Mobile Information Sharing Statement (REQUIRED)

Mobile information will not be shared, sold, rented, or disclosed to third parties for marketing or promotional purposes.

Mobile information may only be shared with service providers strictly necessary to deliver communications (such as SMS platforms) and only for operational purposes.

6. Information Sharing

We do not sell, rent, trade, or purchase personal information or lead lists.

Information may be shared only with:

Licensed insurance carriers for underwriting or policy issuance

Technology and communication service providers necessary to operate this website and messaging systems

All third parties are required to protect personal information and use it solely for authorized purposes.

7. Cookies & Tracking Technologies

This website may use cookies, pixels, or basic analytics tools to:

Improve website functionality

Understand website traffic and usage patterns

Enhance user experience

These technologies do not collect sensitive personal information such as phone numbers or insurance data. You may adjust browser settings to disable cookies if desired.

8. Data Security & Handling

We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, misuse, alteration, or disclosure. Access to personal data is limited to authorized individuals only.

While we take reasonable precautions, no internet transmission or storage system can be guaranteed to be 100% secure.

9. Third-Party Links

This website may contain links to third-party websites, including insurance carriers. We are not responsible for the privacy practices, policies, or content of third-party websites.

10. User Rights

You may request to:

Access the personal information we have collected

Correct or update your information

Request deletion of your information, subject to legal or regulatory requirements

Requests may be submitted using the contact information provided on this website.

11. Updates to This Policy

We may update this Privacy Policy at any time. Changes will be posted on this page. Continued use of the website constitutes acceptance of the updated policy.

12. Contact Information

If you have questions about this Privacy Policy, please contact us using the information provided on this website.