Information We Collect

When you use our website and services, we may collect the following types of information to provide you with personalized life insurance quotes and connect you with licensed agents:

• Personal details: Name, age, date of birth, gender, zip code, and contact details (email address and phone number). This information helps us verify your identity and ensure we can reach you with important updates about your insurance options.
• Health and lifestyle information: Tobacco/nicotine use history, overall health status, and other lifestyle factors relevant to life insurance coverage. This data is essential for providing accurate quotes and determining your eligibility for various policy types.
• Coverage preferences: Desired insurance coverage amount, monthly budget range, and policy term length. Understanding your coverage needs allows us to match you with the most suitable insurance products and agents.
• Technical information: IP address, device type, browser information, and usage data when interacting with our website. This helps us improve our website performance and user experience.
• Communication preferences: How you choose to receive updates, offers, or follow-ups. We respect your preferred communication methods and timing.

How We Use Your Information

We use the information collected to provide you with the best possible life insurance experience:

• Provide life insurance quotes, recommendations, and product comparisons tailored to your specific needs and circumstances.
• Connect you with licensed insurance agents and carriers who specialize in your coverage requirements and are authorized to operate in your state.
• Process your life insurance requests and applications efficiently and accurately to expedite your coverage approval process.
• Communicate with you about our services by phone, email, or text message (with your consent) to keep you informed about your application status and available options.
• Improve, personalize, and optimize our website and services based on user feedback and usage patterns to better serve future customers.
• Comply with applicable legal and regulatory obligations including state insurance regulations and federal privacy requirements.

Information Sharing

We may share your information with trusted partners to provide you with comprehensive insurance services:

• Licensed insurance agents and carriers to provide you with personalized quotes, policy options, and follow-up communication. These professionals are bound by strict confidentiality requirements and use your information solely for insurance-related purposes.
• Trusted service providers who support our business operations (hosting, analytics, customer support, etc.). These partners are contractually obligated to protect your information and use it only as directed by us.

Consent to Contact (TCPA Disclosure)

Note: Consent is not required as a condition of purchase. You may opt out of communications at any time by following the unsubscribe instructions provided in our messages.

Data Retention

We retain your information only as long as necessary to:

• Provide services and fulfill the purposes outlined in this policy, including ongoing customer support and policy management.
• Meet legal, regulatory, and compliance requirements, as mandated by state insurance departments and federal agencies.
• Resolve disputes and enforce agreements related to your use of our services.

Data Disposal: When no longer needed, data is securely deleted or anonymized using industry-standard methods to prevent unauthorized recovery.

Data Security

We take the security of your personal information seriously and implement multiple layers of protection:

• Physical safeguards: Secure facilities with restricted access and environmental controls
• Technical safeguards: Encryption, firewalls, and secure data transmission protocols
• Administrative safeguards: Employee training, access controls, and regular security audits

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request to see what personal information we have about you and how it's being used.
• Correction: Update or correct your personal information if it's inaccurate or incomplete.
• Deletion: Request deletion of your personal data (subject to legal requirements and legitimate business needs).
• Opt-out: Unsubscribe from marketing communications at any time through provided links or by contacting us directly.
• Restriction: Limit how we process your information in certain circumstances.
• Portability: Request a portable copy of your personal information in a commonly used format.

To exercise these rights, contact us using the information provided at the bottom of this page. We will respond to your request within the timeframe required by applicable law.

Children's Privacy