Privacy Policy

1. Information We Collect

Personal Identifiable Information: We collect information that you provide directly to us, including:

• Full name and contact information (address, phone number, email)
• Date of birth and demographic information
• Insurance policy preferences and requirements
• ZIP code and state of residence
• Other information you choose to provide

Health Information: As part of the insurance application process, we may collect:

• General health status
• Medical history as required by the insurance carrier
• Current health conditions relevant to underwriting

This information is collected through online forms, phone calls, and email communications with our licensed agents and is shared with insurance carriers solely for the purpose of processing your insurance application.

2. How We Use Your Information

We use the information we collect to:

• Process your insurance applications
• Communicate with you about your policy
• Send you important updates and notifications
• Improve our services and customer experience
• Comply with legal obligations

3. Information Sharing

We may share your information with:

• Insurance carriers and underwriters
• Service providers and partners
• Legal and regulatory authorities
• Other parties with your consent

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use the following types of cookies:

• Essential cookies: Necessary for the website to function properly
• Analytical/performance cookies: Allow us to recognize and count visitors and see how they move around our website
• Functionality cookies: Enable us to personalize content for you
• Targeting cookies: Record your visit to our website, the pages you visit, and the links you follow

Advertising cookies: We use Google Ads to promote our services. Google may use cookies or similar technologies to show our ads to users who have previously visited our website (remarketing). You can opt out of personalized advertising by visiting Google Ads Settings.

Important: We do not share personal information collected through our quote forms with Google or other advertising platforms.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

6. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. Personal information submitted through our quote forms is retained for up to 3 years from the date of submission, or as required by applicable state insurance regulations. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

7. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications
• Restrict or object to processing of your data
• Data portability (receiving your data in a structured, machine-readable format)
• File a complaint with regulatory authorities

California Residents: Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information. You have the right to know what personal information we collect, disclose, or sell, and the right to request deletion of your personal information.

European Residents: Under the General Data Protection Regulation (GDPR), European residents have additional rights regarding their personal data, including the right to be forgotten and the right to restrict processing.

8. Children's Privacy

Our services are not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Final Expense Services
Phone: (800) 493-4603
Email: support@lifeinsuranceservices.com