Privacy Policy

2. Information We Collect

We only collect information necessary to process your insurance inquiries, evaluate coverage eligibility options, and connect you with licensed insurance specialists.

A. Information You Voluntarily Provide

• Contact Information: First and last name, primary phone number, email address, physical address, and ZIP code.
• Demographic Information: Age range or date of birth, state of residence, and gender.
• Insurance Preferences: Coverage type interest (Final Expense, Medicare Advantage, Whole Life, Health Insurance), desired coverage amount ($10,000–$25,000+), monthly budget range, and timeline.
• Consent Records: Explicit TCPA disclosures and consent checkbox approvals for phone, text, and email communications.

B. Information Collected Automatically

• Device & Log Data: IP address, browser type, operating system, device hardware details, server access timestamps, and referring URLs.
• Cookies & Local Storage: Essential session cookies used strictly for security (CSRF protection) and preserving form progress during your visit. We do not employ intrusive tracking mechanisms.

3. How We Use Your Information

We use the information collected for legitimate business purposes, including:

• Evaluating your insurance quote inquiry and calculating sample rate comparisons.
• Connecting your request with licensed insurance agents and partner carriers (such as Mutual of Omaha, Transamerica, Aetna, or Lincoln National).
• Contacting you via telephone, automated dialing, SMS text, or email as authorized in your submitted request.
• Verifying user identity and preventing fraudulent or unauthorized submissions.
• Maintaining, optimizing, and improving site performance and user experience.

4. Information Sharing & Third Parties

We respect your privacy. We do not sell, rent, or trade your personal contact details to unauthorized third-party list brokers. Your information is only shared under the following circumstances:

• Licensed Agent & Carrier Fulfillment: Shared with authorized, licensed insurance agents and carrier partners solely to fulfill your requested quote.
• Service Providers: Shared with secure infrastructure providers (e.g. hosting servers, email delivery gateways) bound by confidentiality agreements.
• Legal Requirements: Disclosed if required by court orders, subpoena, state insurance regulations, or law enforcement requests.

5. Data Security & Storage

We implement administrative, technical, and physical safeguards designed to protect your data. All data transmitted through our online intake forms is encrypted using Industry-Standard 256-bit Secure Socket Layer (SSL/TLS) encryption technology.

6. Communications & Your Opt-Out Rights

By submitting a quote request, you grant express consent to be contacted by phone, text, or email. You may revoke or modify your consent at any time:

• SMS Text Messages: Reply STOP to any text message to immediately unsubscribe.
• Telephone Calls & Emails: Contact us at [TODO: Compliance Email] or call (929) 607-2484 to request removal from our phone or email marketing lists.

7. Children's Privacy

Our services are strictly directed to adults aged 18 and older (specifically seniors and pre-retirees ages 50–85). We do not knowingly solicit or collect personal information from individuals under the age of 18.

8. Policy Updates & Contact Information

We reserve the right to update this Privacy Policy periodically. Any changes will be posted on this page with a revised effective date. If you have questions regarding this policy, please contact us at: