Privacy & Communications Policy

Last Updated 16 April 2025

1. Introduction

We are committed to protecting your privacy and ensuring that your personal information is collected and used responsibly. This Privacy & Communications Policy explains how we collect, use, and protect the personal information you provide when requesting life insurance information through our forms, including your consent to be contacted by SMS, email, and telephone calls—including calls initiated or handled by an automated voice AI assistant.

By submitting your information, you acknowledge that you have read, understood, and agree to the terms of this policy.

2. Information We Collect

We collect the following categories of information:

Contact Information:

Name
Phone number
Email address
State or ZIP code

Quote & Inquiry Information:

Insurance needs
Age, household status, or other information you choose to provide

Communication Metadata:

Time/date of submissions and calls
Call recordings
Opt-in/opt-out status

Website & Device Data:

IP address
Device/browser type
Cookies and similar technologies

3. How We Use Your Information

We use your information for the following purposes:

To provide the life insurance quotes or information you requested
To contact you via SMS, email, and telephone—including calls placed using an automated system, AI voice technology, or prerecorded voice messages
To live transfer you to, or schedule a callback with, a licensed agent
To respond to your inquiries and improve our services
To comply with legal and regulatory requirements

4. Consent to Contact

By submitting your information, you provide your express written consent for us, our licensed agents, and service providers to contact you:

By SMS/text message
By email
By phone call, including calls placed using an automated dialing system, prerecorded or artificial voice, or a Voice-AI assistant
At the phone number and email address you provided, even if your number is on a federal or state Do Not Call list

You understand that your consent is not a condition of purchase and that you may revoke it at any time as described in Section 8.

5. Voice-AI Call Handling

If your inquiry is handled by a voice AI assistant, the AI assistant may:

Identify the purpose of the call and our organization
Ask preliminary questions related to your request
Attempt to live transfer you to a licensed insurance agent
Offer to schedule a callback if an agent is not available

Calls may be recorded for compliance and quality purposes. You may request to speak with a human or opt out at any time during the call.

6. Sharing of Information

We do not sell or rent your information. We may share it only with:

Licensed agents or insurance carriers to fulfill your quote request
Service providers who support our communication and technology systems
Regulatory or legal authorities if required by law

All parties are bound by confidentiality and data protection agreements.

7. Data Security

We implement industry-standard safeguards to protect your information. While no system can guarantee 100% security, we take reasonable steps to prevent unauthorized access or disclosure.

8. Your Rights and Opt-Out Options

Your Right:

Opt out of SMS

Opt out of phone calls

Opt out of emails

Request access, correction, deletion

How to Exercise:

Reply "STOP" or "UNSUBSCRIBE" to any text message

Verbally request "Do not call me" during any live or AI call

Click "Unsubscribe" link in the email or email us directly

We maintain an internal Do Not Contact list and promptly honor all opt-out requests.

9. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes described above, unless a longer period is required by law or regulatory guidelines.

10. Contact the Privacy Department

If you have questions about this policy, or would like to request access or deletion of your data, you may contact our privacy department:

Email:  [email protected]
Mail:  Privacy Department
777 Brickell Ave, 500-95981
Miami, FL 33131

11. Policy Updates

We may update this policy periodically. When we do, we will revise the "Last updated" date above. We encourage you to review this policy regularly to stay informed about how we are protecting your information.