Privacy Policy

This Privacy Policy explains how we collect, use, share, and protect information when you visit our website, use our calculators and tools, request a consultation, or otherwise interact with us. In this Policy, "we," "us," and "our" refer to Remain Life Insurance Services, LLC and the website at lifeinsuranceadvisor.co (the "Site"). By using the Site, you agree to the practices described here.

We take privacy seriously. Because we work with life insurance, the information you share with us is often financial and personal in nature, and we treat it accordingly.

1. Information We Collect

Information you provide to us. When you complete a form, request a policy review, use a calculator, upload a document, request a consultation, or contact us, you may provide:

• Identifying and contact information, such as your name, email address, phone number, mailing address, and state of residence.
• Policy and financial information, such as existing coverage details, premium amounts, death benefit figures, cash value, beneficiary intentions, and copies of policy illustrations or statements you choose to upload.
• Health- or lifestyle-related information that may be relevant to insurance eligibility, where you choose to provide it.
• Any other information you include in messages, forms, or uploaded documents.

Information collected automatically. When you use the Site, we and our service providers may automatically collect technical and usage information, including your IP address, browser type, device identifiers, operating system, referring pages, pages viewed, time spent, and similar analytics data. This information is collected through cookies and similar technologies described below.

Information from third parties. We may receive information about you from insurance carriers, our affiliates, referral sources, and reputable data and analytics providers, which we may combine with information we already hold.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and requests, including policy reviews, quotes, and consultations.
• Analyze existing policies, prepare illustrations, and present coverage options.
• Communicate with you about your requests, our services, and information we believe may be of interest.
• Operate, maintain, secure, and improve the Site and our calculators and tools.
• Comply with applicable laws, regulations, licensing obligations, and lawful requests.
• Detect, prevent, and address fraud, security issues, and misuse.

We process sensitive financial information only as needed to provide the services you request and as permitted by law.

3. How We Share Your Information

We do not sell your personal information for money. We may share information in the following circumstances:

• With insurance carriers and intermediaries as necessary to obtain quotes, submit applications, service policies, and carry out your requests.
• With service providers and vendors who perform functions on our behalf — such as hosting, analytics, email delivery, customer relationship management, and document handling — under obligations to protect the information.
• For legal and regulatory reasons, including to comply with applicable law, respond to lawful requests, enforce our agreements, and protect the rights, property, or safety of our clients, the public, or our firm.
• In connection with a business transaction, such as a merger, acquisition, financing, or sale of assets.
• With your consent or at your direction.

4. Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies to operate the Site, remember preferences, measure performance, and understand how visitors use our pages. You can usually control cookies through your browser settings; disabling some cookies may affect how parts of the Site function. We may use third-party analytics providers whose use of data is governed by their own privacy policies.

5. Phone, Text, and Email Communications

If you provide a telephone number, you consent to be contacted by phone, text message, or email regarding your request and our services, including through automated technology where permitted. Message and data rates may apply. You may opt out of marketing calls or texts at any time by telling us, by replying STOP to a text message, or by using the unsubscribe link in our emails. Opting out of marketing messages does not prevent service-related communications about a request you have made.

6. Data Retention

We retain personal information for as long as needed to fulfill the purposes described in this Policy, to maintain business and transaction records, and to meet legal, regulatory, and recordkeeping obligations, after which we take reasonable steps to delete or de-identify it.

7. How We Protect Your Information

We maintain reasonable administrative, technical, and physical safeguards designed to protect the information we hold. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security. You are responsible for keeping your own login credentials and devices secure.

8. Your Choices and Rights

You may:

• Update or correct information you have provided by contacting us.
• Opt out of marketing communications as described above.
• Request information about, or deletion of, personal information we hold, subject to legal exceptions.

Because we operate and are licensed in California, Florida, and New York, certain residents have additional rights:

California residents. Under the California Consumer Privacy Act, as amended, you may have the right to know what personal information we collect, use, and disclose; to request deletion or correction of your personal information; to opt out of any "sale" or "sharing" of personal information (we do not sell personal information for money); and to not be discriminated against for exercising these rights. California's "Shine the Light" law also permits California residents to request information about disclosures to third parties for their direct marketing purposes.

Florida and New York residents. You may have rights regarding the personal and financial information we hold under applicable state insurance and privacy laws. We honor verified requests to the extent required by law.

To exercise any right, contact us using the details in Section 12. We will verify your identity before acting on certain requests and may decline requests where permitted by law.

9. Third-Party Links

The Site may contain links to third-party websites, tools, or resources that we do not control. We are not responsible for the content or privacy practices of those third parties, and we encourage you to review their privacy policies.

10. Children's Privacy

The Site is intended for adults and is not directed to children. We do not knowingly collect personal information from individuals under 18. If you believe a minor has provided us information, please contact us so we can take appropriate action.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date above. Your continued use of the Site after changes take effect constitutes acceptance of the revised Policy.

12. Contact Us