Your Privacy Rights

Privacy Policy

Last Updated: [06/06/2025]

We value your privacy. This Privacy Policy describes how we collect, use, share, and protect your personal information when you interact with our services, including those related to life insurance, annuities, final expense, and health insurance products. If you are a California resident, please also review the “Your California Privacy Rights” section below for additional information about your rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

Information We Collect

We may collect the following categories of personal information:

  • Identifiers such as your name, address, email address, phone number, date of birth, and Social Security number.

  • Demographic information such as age, gender, marital status.

  • Financial information including income, payment history, or credit information.

  • Health information provided during the application or underwriting process.

  • Internet activity including IP address, browser type, and device information if you use our website.

  • Professional or employment-related information if necessary for certain policies.

How We Use Your Information

We use your information to:

  • Process insurance applications and claims

  • Provide customer service

  • Evaluate risk and underwrite policies

  • Comply with legal and regulatory requirements

  • Communicate with you about your account or new products and services

  • Improve our services and website functionality

How We Share Your Information

We do not sell your personal information. We may share your data with:

  • Insurance carriers and third-party administrators for underwriting and policy servicing

  • Medical providers and labs (with your consent, when applicable)

  • Regulatory and legal authorities, as required by law

  • Vendors and service providers who assist us with business operations (e.g., IT support, marketing)

These parties are required to safeguard your information and use it only for permitted purposes.

Data Security

We implement administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, or misuse. While we strive to protect your data, no system can be guaranteed 100% secure.

Data Retention

We retain your information as long as necessary to fulfill the purposes outlined in this policy, including compliance with legal obligations, underwriting, servicing policies, or resolving disputes.

Your California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

1. Right to Know

You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, including:

  • The categories of sources from which we collect personal information

  • The business or commercial purpose for collecting the information

  • The categories of third parties with whom we share personal information

2. Right to Delete

You can request that we delete personal information we have collected from you, subject to certain exceptions (such as legal or contractual obligations).

3. Right to Correct

You may request that we correct inaccurate personal information maintained about you.

4. Right to Opt-Out of Sale or Sharing

We do not sell or share your personal information for cross-context behavioral advertising. If this changes in the future, you will be given the opportunity to opt out.

5. Right to Limit Use of Sensitive Personal Information

You have the right to limit the use of sensitive personal information (such as your Social Security number or health information) to only what is necessary for providing requested services.

Exercising Your California Privacy Rights

To make a request regarding your personal information, please contact us:

  • Email: [Email Us]

  • Phone: [1-707-502-2713 -OR- 1-707-951-1506]

  • Mail: [PO BOX 97, Ferndale, CA 95536-0097]

We will verify your identity before processing your request. You may designate an authorized agent to make a request on your behalf.

We will not discriminate against you for exercising your privacy rights.

Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by updating the date at the top of this page and providing a notice where appropriate.

Contact Us

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact us:

[Life to Legacy Insurance]
[1-707-502-2713 -OR- 1-707-951-1506]
[Email Us]