Life Insured By Chris Privacy Policy

Effective Date: December 30, 2025

California Notice at Collection: See the California Privacy section below for important information about your rights under the California Consumer Privacy Act (“CCPA”).

Life Insured By Chris (“we,” “us,” or “our”) provides life insurance education, consultation, and brokerage services connecting consumers with insurance carriers and licensed agents. We receive personal information from customers, prospective customers, and business partners and are committed to protecting that information and respecting your privacy.

This Privacy Policy describes how we collect, use, disclose, and safeguard personal information through our websites, landing pages, forms, communications, and related services (collectively, the “Service”), including marketing and lead generation activities.

We may provide additional privacy notices for specific products, services, or interactions where required. In the event of a conflict, those notices will control.


1. Personal Information We Collect

Information You Provide to Us

We may collect the following categories of personal information:

Contact Data:
Name, email address, phone number, mailing address, and other contact details.

Application & Quote Data:
Age, date of birth, gender, state of residence, coverage preferences, beneficiary information, and lifestyle details relevant to insurance eligibility.

Health & Lifestyle Data:
General health information, tobacco use, medical history (as voluntarily provided), and related underwriting information.

Financial & Insurance Data:
Income range, existing coverage, financial goals, and insurance needs.

Communications Data:
Messages, call recordings, SMS communications, chatbot interactions, and email correspondence.

Marketing Data:
Preferences for receiving marketing communications and engagement with ads or campaigns.

User-Generated Content:
Information you submit through forms, surveys, or reviews.

Other Information:
Any additional information you voluntarily provide.


Information from Third-Party Sources

We may combine your data with information obtained from:

  • Insurance carriers and underwriting partners
  • Licensed agents and brokers
  • Marketing partners and lead providers
  • Public databases and records
  • Analytics and advertising platforms
  • Consumer reporting agencies (where applicable)

Automatic Data Collection

We and our partners may automatically collect:

Device Data:
IP address, browser type, device identifiers, operating system

Online Activity Data:
Pages visited, time on site, clicks, referring URLs

Location Data:
General geographic location (e.g., city/state)

Communication Interaction Data:
Email opens, link clicks, SMS engagement


Data About Others

You may provide information about beneficiaries or family members. You should only do so with their consent.


2. Tracking Technologies

We use cookies, pixels, and similar technologies to:

  • Analyze website traffic
  • Improve user experience
  • Deliver targeted advertisements

You can control cookies through your browser settings.


3. How We Use Your Personal Information

We may use your information to:

Service Delivery

  • Provide quotes and insurance comparisons
  • Match you with licensed agents and carriers
  • Process applications and follow-ups
  • Communicate with you about your inquiry

Personalization

  • Tailor recommendations and offers
  • Improve your experience

Marketing & Advertising

  • Send promotional emails, calls, and SMS (with consent)
  • Deliver targeted ads via platforms like Google and Meta

Analytics & Improvement

  • Improve website performance and campaigns
  • Develop new services and offerings

Compliance & Protection

  • Comply with legal obligations
  • Prevent fraud and misuse

Aggregated Data

We may create anonymized data for analytics and business purposes.


4. Retention

We retain personal information as long as necessary to:

  • Provide services
  • Meet legal and regulatory obligations
  • Resolve disputes and enforce agreements

5. How We Share Your Personal Information

We may share your information with:

Insurance Carriers & Agents
To provide quotes and complete applications

Service Providers
Hosting, CRM systems, marketing platforms, analytics providers

Marketing & Advertising Partners
For campaign delivery and retargeting

Compliance & Legal Authorities
When required by law

Business Transfers
In connection with mergers, acquisitions, or asset sales

We may share information for marketing purposes where permitted by law.


6. Your Choices

Marketing Opt-Out

  • Email: Click “unsubscribe”
  • SMS: Reply “STOP”

Cookies & Tracking

Adjust browser settings or use ad-blocking tools.

Access & Updates

Contact us to request access, updates, or deletion of your data.

Do Not Track

We may not respond to all “Do Not Track” signals.


7. Confidentiality for Sensitive Situations

If you are in a sensitive situation (such as domestic abuse) and need additional privacy protections, please contact us and we will take reasonable steps to protect your information.


8. Third-Party Services

Our Service may link to third-party websites. We are not responsible for their privacy practices.


9. Security

We implement reasonable safeguards to protect your information, but no system is completely secure.


10. International Data Transfers

Your information may be processed in the United States and other jurisdictions.


11. Children

Our services are not intended for individuals under 18.


12. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Updates will be posted with a revised effective date.


13. Contact Us

Life Insured By Chris
Email: ccfranklin2727@gmail.com
Phone: (202) 641-5953
Website: https://www.lifeinsuredbychris.com


14. California Privacy Rights (CCPA)

If you are a California resident, you may have the right to:

  • Request access to your personal information
  • Request deletion of your data
  • Request correction of inaccurate data
  • Opt out of the sale or sharing of personal data
  • Receive equal service regardless of privacy choices

Categories of Data Collected

  • Identifiers (name, email, phone)
  • Customer records (insurance-related data)
  • Internet activity (website interactions)
  • Inferences (preferences, profiles)

How to Exercise Your Rights

Contact us at:ccfranklin2727@gmail.com

We may verify your identity before processing requests.