Privacy Policy

Your family’s future deserves an environment that helps them thrive.

1. Introduction

Lifensage (“we,” “our,” “us”) is a licensed independent insurance provider offering services including but not limited to Final Expense insurance. This Privacy Policy describes how we collect, use, disclose, and protect your information in compliance with U.S. laws including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), the Telephone Consumer Protection Act (TCPA), Do Not Call (DNC) regulations, HIPAA (when applicable), and other state-specific laws and federal insurance compliance requirements.

2. Information We Collect

We may collect the following categories of information:

Personal Information: Name, address, email, phone number, date of birth, SSN (if applicable), gender, and ZIP code.
Insurance Information: Coverage type, health status (for quote purposes), prior carrier info.
Device Information: IP address, device/browser type, access time, referring URLs.
Lead Source Information: Tracking data (e.g., Jornaya, TrustedForm).
Communications: Voice recordings (if calls are made), submitted forms, chat transcripts.

3. Legal Basis for Processing

We process data based on:

User consent (opt-in)
Contractual necessity (quote or policy provision)
Legal compliance (e.g., fraud prevention)
Legitimate business interests (e.g., service improvement)

4. How We Use Your Information

We use your information to:

Provide requested insurance quotes and services
Verify identity and prevent fraud
Contact you through permissible channels (email, phone, SMS) with express consent
Maintain compliance with Do Not Call regulations (we honor opt-out and DNC requests within 24 hours)
Comply with insurance regulatory obligations

5. Sharing of Information

We may share your data:

With licensed insurance agents and carriers for underwriting or quoting
With third-party vendors (CRM, cloud storage) under strict NDAs and security controls
With law enforcement or regulators if required by law

Lifensage Privacy Policy and Terms & Conditions

NEVER for resale to unverified or unauthorized entities

6. Consumer Rights

You have the right to:

Request disclosure of your personal information collected or sold
Request deletion of your personal data (where allowed)
Opt-out of communications or marketing at any time
File a complaint with your state insurance commissioner

To exercise your rights, contact: Info@lifensage.com

7. Do Not Call (DNC) Compliance

We strictly comply with the FTC and FCC Do Not Call rules:

We do not call numbers on the National DNC Registry unless consent was explicitly given
Our calls are limited to weekdays between 8 AM – 9 PM local time
All marketing calls are subject to opt-out by voice or SMS

8. Data Retention and Storage

We retain data for the duration needed for:

Compliance (state retention laws vary)
Fraud prevention
Internal auditing and dispute resolution

Secure deletion occurs when no longer needed.

9. Security Measures

We implement:

Data encryption (AES-256)
Access restrictions
SOC 2-compliant infrastructure
Multi-factor authentication
Secure voice recording systems (when applicable)

10. Minors

We do not collect data from individuals under the age of 18. Any submitted data will be deleted upon discovery.

11. Updates

We may update this Privacy Policy to meet legal changes. Continued use indicates acceptance.

12. Contact

Email: Info@lifensage.com

Mail: Lifensage Insurance Services, Seattle Washington