2. Information We Collect

We collect information in several ways, including:

A. Information You Provide Directly

When you:

Fill out a contact form or lead capture form.

Opt in to receive SMS or email communications.

Request a quote, schedule a consultation, or apply to become an agent.

Enroll in training, webinars, or marketing programs.

We may collect:

Personal Information: Name, address, phone number, email, date of birth, state of residence, and similar identifiers.

Insurance & Licensing Information: NPN, license issue date, and related professional details.

Health-Related Information: We do not collect or store any Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act (HIPAA). Our Sites and forms are not intended to receive or transmit any information that would trigger HIPAA compliance requirements.

The only health-related questions we may ask are general, non-identifiable items typically required to obtain a life- or health-insurance quote—such as height, weight, age, gender, and tobacco use.

We will never request or collect diagnosis details, treatment records, medical histories, or other sensitive health data that would constitute PHI under HIPAA.

Financial Information: Limited financial details (e.g., income range or desired premium budget) may be collected only when voluntarily provided to determine insurance eligibility or product suitability.

Communication Preferences: Opt-in and consent records for text messaging and marketing communications.

B. Automatically Collected Information

When you visit our Sites, we may automatically collect:

IP address and browser type.

Device type and operating system.

Pages visited, time spent, and referring URLs.

Cookies, pixels, or web beacons used to improve functionality and analytics.