Introduction
We want you to understand the value of your information; it will be held safe and secured. We strive to make your experience with us as pleasurable as possible. This privacy policy explains why your information is gathered and what we do after the information is collected. Besides the procedures taken in the privacy act, unless we are given permission by you-we will not sell or disclose your personal information to any third parties.
Why Do We Collect Your Information?
We help online consumers help identify the best insurance options available for their particular health circumstances. This process is done by collecting identifiable information from the consumer and sending it to a licensed medical underwriter so they can discuss the best options with you via telephone or zoom calls. By clicking the “get a quote” button, or any other button affiliated with filling out a lead form, you are agreeing to have your information sent to a field writer to get in contact with you. You authorized and agree that the information you share with us will be used to help introduce yourself as a potential insurance policyholder, and help guide a medical underwriter to find the perfect policy for you after collecting medical health information.
The medical underwriter will help you obtain any free quotes for life insurance, as well as help submit a request for coverage. All insurance companies are state-regulated, which uses varying credentials to find a more accurate quote. Your information will be used for no other reason other than contact information and a reference point for quoting. After you submit your application, a medical underwriter will call you to go over your options. If you do not answer the provided phone number, we will attempt to get in contact at a future time. Please make sure the phone number is in good standing so we can easily get in contact. Your information will not be shared with any other third party that is not affiliated with life insurance and or having an active field agent to assist you in getting state-regulated life insurance.
What Information is Collected and Why?
By clicking the “get quote” button, or any other button affiliated with filling out a lead form, you are beginning the process of requesting a life insurance quote, and agreed that up to five providers may contact you using the information that you provided for an accurate quote. By law, your medical underwriter may ask additional qualifying questions and identity verification questions to submit your request for coverage to insurance carriers.
By submitting your request, you acknowledge and agree to the terms and conditions of this website and uncontestably agree to have your information sent to a qualified licensed medical underwriter to help you with the quoting and application process.
Knowing that the only person(s) that will receive your information from us will be a licensed medical underwriter, We are not held responsible, and or shall not be held liable if a provider or other third party to whom we forwarded any of the information you submitted to us violates our privacy policy or such third party's own privacy policy. In plain words, we are not held responsible for any third party that violates the law in any way.
We will collect identifiable information to help distinguish client profiles, help with the quoting, and application process. This information is collected and sent over to a medical underwriter in real-time to help you receive your quotes and set up your policy expeditiously. Common identifiable information requested could be full name address, age or date of birth, beneficiary name, email address, etc. This information may also be used in-house to send follow-up emails to those who do not directly respond to our attempts to connect with clients over the phone. You can always opt out of any emails sent.
Consumer Report Practices
AS STATED ABOVE, BY CLICKING “GET QUOTE” WITH INTENTIONS TO SEEK A QUOTE FOR LIFE INSURANCE, YOU AUTHORIZE AND AGREE THAT A MEDICAL UNDERWRITER OR PROVIDER MAY NEED TO OBTAIN ADDITIONAL BACKGROUND INFORMATION THAT YOU HAVE PREVIOUSLY PROVIDED IN YOUR SUBMITTED FORM REQUEST TO VALIDATE YOUR POLICY INFORMATION. INFORMATION NEEDED MAY INCLUDE PRIVATE BACKGROUND INFORMATION, SUCH AS DRIVERS LICENSE AND SOCIAL SECURITY TO ACCESS YOUR MEDICAL INFORMATION BUREAU (MIB) REPORTS. YOUR MIB REPORT IS A MEDICAL HISTORY OF PREVIOUSLY PRESCRIBED MEDICATIONS, HEALTH COMPLICATIONS, HOSPITALIZATIONS, AND HOSPITAL VISITS. THIS INFORMATION WILL DETERMINE WHICH TIER OF INSURANCE YOU QUALIFY FOR BEFORE AN APPLICATION IS PLACED. YOUR APPLICATION WILL NOT ATTAIN ANY CREDIT REPORT HISTORY, FOR IT IS NOT NEEDED.
General Data Usage
Similar to the vast majority of insurance companies similarly,
we check our website and all affiliated usage data to help provide a better experience to our consumers. We collect user traffic patterns that are found throughout our website to provide popularity rankings and an understanding of website conversion ratings. This information is consistently collected so we can help track provide a better flow of information for our consumers.
This information is also charged to help provide better marketing campaigns that are made to effectively reach the consumer that actually is in search of our product and services. This information is integrated seamlessly with website tracking analytics such as Facebook pixel. Understanding certain analytics such as conversion rate helps us optimize our website in lead generation programs to be in a more effective and efficient state.
User Access
We operate they perform in good faith that you sent and accurate information that will be used to give you an accurate quote and help set up your life insurance policy. We will continue to act in good faith and do our due diligence to make sure that your information will not be distributed to any malicious third-party company that uses the information for marketing purposes. By sending your request, you understand and agree that your information will be sent to a licensed medical underwriter to get in contact with you. Insurance providers that we forward your personal information to can get in contact with you with the quote via telephone, email, zoom video call, postal mail, or any other form of contact available that was sent in with your request. Your information will stay exclusive to us, then be sent out to a medical underwriter I will help you with your quote and policy.
Your information is initially saved as a read-only file, which means we do not have access to edit or manipulate the information that you sent to us. However, this does not mean that we are held responsible for any third party who has received your information outside of our realm, for any look-alike company that has no affiliation with us. If we feel the information, you sent in for a request it is suspicious or seems fraudulent, we have the right to not send that information over to our medical underwriter representatives. Duplicated request forms do not equate to a higher priority. The requests will be fulfilled in the order they come in.
Closing
This website is owned and operated by the agency owner, Arthur Forrest II, an independent insurance agent (National Producer Number 18768588. IMO: Family First Life). The owner has one and only one intention with the creation of this website: To be able to link working-class Americans with the best-simplified issue life insurance policy available from the insurance carriers we selected to work with. All policies are State-Regulated and hold an A-rating. By no intentions will you will information will be shared with any other third party outside of the agents we work with directly to help process your application request. Our process is simple: Recieve your application, get in contact with you via Telephone or ZOOM, show you the policy options available, and finally help your submit your request for coverage.