Life Insured By Chris — Privacy Policy

Effective Date: July 9, 2028

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

Other State Notice at Collection: If you reside in Virginia, Colorado, Connecticut, Utah, Texas, Oregon, or another state with a comprehensive privacy law, see Section 15 (Other U.S. State Privacy Rights) below.

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.

This category is treated as Sensitive Personal Information under applicable law. See Section 14 for your rights to limit its use. We collect this data only with your knowledge, solely to support insurance quoting and underwriting, and we are not a HIPAA-covered entity — health information you provide is protected under this Privacy Policy and applicable state insurance data-privacy laws, not HIPAA.

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.

We honor opt-out preference signals, including the Global Privacy Control (GPC), where required by law. Detecting a GPC signal will be treated as a valid request to opt out of the sale/sharing of personal information for that browser or device.
Cookie categories used on this site include: strictly necessary, functional, analytics, and advertising/targeting cookies. Advertising and analytics cookies are not set until permitted by your preferences where required by law.

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
Generally: Contact Data, Application & Quote Data, and Communications Data are retained for up to 7 years after your last interaction to satisfy state insurance recordkeeping requirements. Marketing Data is retained until you opt out, plus a reasonable period to process that opt-out. Health & Lifestyle Data is retained only as long as needed for the underwriting/quoting purpose for which it was collected, and is deleted or de-identified thereafter unless a longer period is legally required.

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.

In the preceding 12 months, we have disclosed the categories above for business purposes, and have sold/shared Contact Data, Application & Quote Data, and Online Activity Data with marketing and advertising partners for cross-context behavioral advertising, as those terms are defined under the CCPA/CPRA. We do not sell or share Health & Lifestyle Data for advertising purposes.

6. Your Choices

Marketing Opt-Out

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

Cookies & Tracking

Adjust browser settings or use ad-blocking tools.

Access & Updates

Do Not Track

We may not respond to all “Do Not Track” browser signals; see Section 2 for our Global Privacy Control practices, which we do honor.

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.

In the event of a data breach affecting your personal information, we will notify affected individuals and applicable regulators as required by state breach-notification laws.

10. International Data Transfers

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

If you are located outside the United States, see Section 16 (International Users / GDPR) for the safeguards that apply to such transfers.

11. Children

Our services are not intended for individuals under 18.

We do not knowingly collect personal information from anyone under 18, consistent with the Children's Online Privacy Protection Act (COPPA), and we do not knowingly sell or share the personal information of consumers under 16 without opt-in consent as required by the CCPA. If we learn we have collected such information, we will delete it promptly. Parents/guardians may contact us to request removal.

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

Christopher Franklin, Independent Life Insurance Broker

Business Address: 1908 Spruce Drive NW, Washington, DC 20012

Email: christopher.franklin@lifeinsuredbychris.com

Phone: (202) 641-5953

Website: https://www.lifeinsuredbychris.com

For insurance licensing information and regulatory disclosures, please visit our Licensing & Disclosures page.

Financial Privacy (GLBA): As a business handling nonpublic personal financial information in connection with insurance products, we maintain practices consistent with the Gramm-Leach-Bliley Act Privacy Rule, including providing this notice and honoring opt-out requests for sharing with nonaffiliated third parties for marketing purposes. To opt out, email christopher.franklin@lifeinsuredbychris.com with “GLBA Opt-Out.” An annual privacy notice is available upon request.
Email & SMS Compliance: Our marketing emails comply with the CAN-SPAM Act (including accurate headers, identification as an ad where applicable, and functioning unsubscribe links), and our calls/texts are made consistent with the Telephone Consumer Protection Act (TCPA) and the consent obtained under our Terms of Use.

14. California Privacy Rights (CCPA/CPRA)

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
Limit the use and disclosure of Sensitive Personal Information (including health/medical information) to what is necessary to provide the Service
Know the specific pieces of personal information we hold about you
Designate an authorized agent to submit requests on your behalf, subject to identity verification
Appeal a denied request by emailing christopher.franklin@lifeinsuredbychris.com with “Privacy Appeal” in the subject line; we will respond within 45 days

Categories of Data Collected

Identifiers (name, email, phone)
Customer records (insurance-related data)
Internet activity (website interactions)
Inferences (preferences, profiles)
Sensitive personal information (health/medical, tobacco use)

How to Exercise Your Rights

Or use our “Do Not Sell or Share My Personal Information” and “Limit the Use of My Sensitive Personal Information” links, available on our website footer.

We may verify your identity before processing requests.

We will not discriminate against you for exercising any CCPA/CPRA right, including by denying service, charging different prices, or providing a different quality of service.
We will respond to verifiable consumer requests within 45 days, with a possible one-time 45-day extension where reasonably necessary.

15. Other U.S. State Privacy Rights

If you are a resident of Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, or another state with a comprehensive privacy law, you may have similar rights to those described in Section 14, including the right to:

Confirm whether we process your personal data and access that data
Correct inaccuracies and request deletion
Obtain a portable copy of your data
Opt out of targeted advertising, the sale of personal data, and profiling in furtherance of decisions producing legal or similarly significant effects
Appeal our decision on your request; to appeal, email christopher.franklin@lifeinsuredbychris.com with “Privacy Appeal” and your state of residence
To exercise these rights, contact christopher.franklin@lifeinsuredbychris.com. We will respond within the timeframe required by your state's law (generally 45 days).

16. International Users (GDPR)

This Section applies only if you are located in the European Economic Area, the United Kingdom, or Switzerland (“EEA/UK Users”). The Service is designed for U.S. residents; if you are an EEA/UK User and submit personal data to us, the following applies:

Data Controller: Life Insured By Chris, 1908 Spruce Drive NW, Washington, DC 20012, contactable at christopher.franklin@lifeinsuredbychris.com.
Legal Basis for Processing: Consent (for marketing), performance of steps requested by you prior to entering a contract (for quote requests), and our legitimate interests in operating the Service.
Your Rights: Access, rectification, erasure, restriction of processing, data portability, and objection to processing, including direct marketing.
International Transfers: Where your data is transferred to the United States, we rely on appropriate safeguards such as Standard Contractual Clauses or your explicit consent.
Retention: See Section 4; EEA/UK User data is not retained longer than necessary for the purposes described in this Policy.
Complaints: You may lodge a complaint with your local data protection supervisory authority at any time.
To exercise these rights, contact christopher.franklin@lifeinsuredbychris.com.