Limit Sensitive Information

Limit the Use of My Sensitive Personal Information
Last updated: November 14, 2026

Finding the right life insurance sometimes means talking about your health. We treat that information with extra care. This page explains what sensitive information we may collect, how we use it, and how to limit that use.

What counts as sensitive personal information
Privacy laws treat some information as "sensitive." For Life Insured By Chris LLC, that may include:

• Health and lifestyle details you choose to share for a quote or application, such as medical conditions, medications, height and weight, tobacco or nicotine use, and family medical history
• Government identifiers such as a Social Security number or driver's license number, collected only when you apply for a policy and an insurance company requires them
• Account or payment details for a premium draft, which go straight to the insurance company on its application

We do not collect precise geolocation, and we don't ask for race, religion, sexual orientation or other sensitive categories that insurers don't use.

How we use it, and how we don't
We use sensitive personal information only to:

• Give you accurate quotes and compare carriers that fit your health and budget
• Prepare and submit an application you've asked us to submit, and support underwriting with the insurance company you choose
• Service your policy, and meet legal, regulatory and recordkeeping requirements
• Keep our systems secure and prevent fraud

We never sell sensitive information or share it for advertising. We never use it to target ads, build ad audiences or decide what marketing you see. We never use it to infer things about you beyond what's needed for your coverage.

Where a state law requires your opt-in consent before we process sensitive data, including Virginia, Texas, Oregon, Tennessee and Maryland, we ask for that consent before collecting it.

Your right to limit
California residents can direct us to use sensitive personal information only for the purposes needed to provide the services you asked for. That's already our practice, and we'll confirm it in writing for your records. We honor these requests from residents of every state.

Good to know: Insurance companies need certain health information to price and approve coverage. If you ask us not to use your health details at all, we can still talk with you about coverage that doesn't ask health questions, such as guaranteed issue plans. But we may not be able to quote or submit applications that require health information. If you want us to stop using your information altogether, you can also ask us to delete it, subject to legal recordkeeping rules.

How to submit a request (choose any)

1. Submit the form below
2. Email christopher.franklin@lifeinsuredbychris.com with the subject line "Limit Sensitive Information"
3. Call (202) 641-5953, Monday to Friday, 8:00 AM to 5:00 PM ET

What happens next

• We confirm we received your request by email within 10 business days.
• We apply your limit request as soon as possible, and no later than 15 business days after we receive it. We also tell any service provider that processes your sensitive information for us.
• You don't need to verify your identity to limit use. Deletion requests are verified first, to protect you, and completed within 45 days.
• We'll never treat you differently or charge you more for making a request.

Authorized agents, questions and appeals
An authorized agent can submit a request for you with your signed permission. If we deny any part of your request, email christopher.franklin@lifeinsuredbychris.com with the subject line "Privacy Appeal," and we'll respond within 45 days. For your rights under insurance privacy laws, including Georgia's (access, correction, and the reasons for any adverse underwriting decision), see our Privacy Policy.

Life Insured By Chris LLC · 1908 Spruce Drive NW, Washington, DC 20012 · (202) 641-5953

Limit the Use of My Sensitive Personal Information · Privacy Policy · Terms of Service