Privacy policy

This policy covers insureiul.com. InsureIUL is a brand of North Life Group LLC, 1835 NE Miami Gardens Dr, Ste 340, North Miami Beach, FL 33179. In this policy, "we" and "us" mean that agency.

What the request form collects

The illustration request asks four things. What you want a policy to do, the state you live in, your age, and how to reach you, meaning your first and last name, a mobile number and a good time to call. There is no email field and no health question on the form.

Answers on our forms are saved as you type them, even if you do not finish, so an agent can help you finish the request.

What we record with each request

We keep the exact consent wording that was on your screen, the moment the contact step appeared and the moment you sent the form, and the label on the button you tapped. Alongside them sit technical details, the IP address and browser your request came from, the address of the form page, and the campaign or referring link behind the visit.

What stays on your device

Calculators and charts on this site do their math in your browser. We do not receive the numbers you type into them. During a single visit the browser remembers which link or ad brought you, so a request can carry its source, and that memory clears when the tab closes.

How we use it

• To reach you by phone or text about the coverage you asked about.
• To prepare illustrations before the call.
• To prove, if a regulator or court asks, when and how you gave permission to be reached.
• To learn which of our ads and pages lead people to ask for a call.

Who receives it

Your request is not for sale. No other agency and no lead reseller receives it. If you decide to apply, the insurer you choose gets what its application needs. Service providers that host the site, store our records and send our texts process it only to do that work. We disclose information when a law, a regulator or a court requires it.

When an ad brought you here, a counting pixel from that advertiser (Reddit, for one) may record the visit and whether a request was finished. It never receives your name, number, age, state or answers.

Calls, texts and opting out

If you agree on the form, our licensed agents may call or text the number you gave about life insurance. Frequency depends on the conversation, and your carrier's message and data rates may apply. Texts end when you send any one of these words, STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, UNSUBSCRIBE. Calls end when you tell an agent or phone (305) 699-5857. An opt-out covers InsureIUL and every other brand of North Life Group LLC. Agreeing to calls is never a condition of buying a policy.

Your choices

Phone (305) 699-5857 to ask what we hold about you, to correct it or to have it deleted. Consent records are kept for as long as we might need to prove permission was given.

If you live in California, you can ask which categories of personal information we hold and the purposes for each, and making that request carries no penalty. We neither sell personal information nor share it for cross-context behavioral advertising.

Children

This site is for adults. We do not knowingly collect information from anyone under 18.

Changes

A new version of this policy replaces this one on this page, with its effective date at the top.