Privacy Policy

1. Who we are

SS Life & Legacy Group (“we,” “us,” “our”) is a licensed, independent insurance agency that helps individuals and families find life insurance, Indexed Universal Life (IUL), final expense, and related coverage. This policy explains how we handle personal information collected through our website, our live chat, our appointment scheduler, our advertisements, and our phone and text communications.

2. Information we collect

Information you give us

• Contact details: name, phone number, email address, state, and ZIP code.
• Information to prepare a quote: date of birth, age range, the type and amount of coverage you are interested in, a general health rating you choose, an income range, what matters most to you (for example, death benefit or cash accumulation), and any notes you add.
• Appointment details: the date, time, and topic you book.
• Messages: what you write to us in live chat, by text, or by email.
• Phone verification: we send a one-time code to the number you enter to confirm it belongs to you.
• Your consent record: when you agree to be contacted, we keep the wording you agreed to, the date and time, and the page you were on, as proof of your consent.

Our website forms do not ask for Social Security numbers, bank or card numbers, or detailed medical records. If you later apply for a policy, the insurance company you apply with will collect the information it needs under its own privacy notice.

Information collected automatically

• Device and usage data: browser type, device type, pages viewed, and how you arrived at our site.
• Approximate location: your state, estimated from your IP address, so we can show you a local phone number. We do not collect your precise location.
• Advertising information: if you arrive from one of our ads, the campaign and platform (for example, Facebook, Instagram, Google, or TikTok), so we know which ads are working.

3. How we use your information

• To contact you about the coverage you asked about and to prepare quotes and recommendations.
• To schedule, confirm, and remind you about appointments.
• To answer your questions by chat, phone, text, or email.
• To verify your phone number and help prevent fraud and spam.
• To keep records required of licensed insurance agencies and to meet our legal obligations.
• To understand and improve our website and advertising.

4. Calls, texts & your consent

When you submit a form, book an appointment, or share your number in chat, we ask for your consent before we contact you. By checking the consent box, you agree that SS Life & Legacy Group and its licensed agents may call and text you at the number you provided, including by automated technology and prerecorded or artificial voice messages, and email you, about life insurance and related products.

Some replies to your messages may be drafted with the help of an AI assistant when an agent is unavailable. A licensed agent remains responsible for your file and will follow up personally.

5. Call recording

Calls between you and our agents may be monitored or recorded for quality assurance, training, and to keep an accurate record of what was discussed. We will tell you at the start of a recorded call. If you do not want to be recorded, tell the agent and we will continue without recording or arrange another way to help you.

6. How we share your information

We do not sell your personal information, and we do not “share” it for cross-context behavioral advertising as those terms are defined under California law. We disclose information only as follows:

• Insurance companies and underwriters, when you ask us to get a quote or submit an application, so they can evaluate and issue coverage.
• Our licensed agents who are assigned to help you.
• Service providers who work for us under contract and may use your information only to provide their services, such as website hosting, phone and text-message delivery, email, scheduling, analytics, and AI tools that help draft replies.
• Advertising platforms, limited to measuring whether our ads lead to inquiries.
• Legal and safety reasons: to comply with law, regulators, or legal process, or to protect our rights and the safety of others.
• Business transfers: if our agency is merged or sold, your information may transfer under this policy.

7. Cookies & analytics

We use Google Analytics to understand how visitors use our website. It uses cookies and similar technologies, and IP addresses are anonymized. Analytics runs only after you choose Accept on the notice shown on your first visit. You can change your choice at any time with the Cookie settings link at the bottom of our site, or through your browser settings. Learn how Google uses this data at policies.google.com/technologies/partner-sites.

Our website also stores small amounts of information in your browser (for example, which ad campaign you came from and your cookie choice) so the site works correctly. We honor Global Privacy Control (GPC) browser signals as a request to opt out of analytics.

8. How long we keep your information

We keep inquiry and contact records for as long as needed to help you and to meet the record-keeping requirements that apply to licensed insurance agencies, and consent records for as long as needed to show you agreed to be contacted. When we no longer need information, we delete it or make it anonymous.

9. How we protect your information

We limit access to your information to authorized staff and agents who need it to help you. Our agent dashboard requires each person to sign in with their own credentials, and agents can see only the clients assigned to them. We use encrypted (HTTPS) connections for our website. No method of transmission or storage is completely secure, but we work to protect your information and will notify you if required by law in the event of a breach.

10. Your choices & rights

• Stop contact: reply STOP to texts, ask any agent, or contact us below.
• Access, correct, or delete: ask us for a copy of the information we have about you, to fix anything that is wrong, or to delete it, subject to records we must keep by law.
• Analytics: decline or change your cookie choice at any time.

Depending on where you live (for example, California, Colorado, Connecticut, Virginia, Texas, Oregon, and other states with consumer privacy laws), you may have additional rights, such as the right to know what personal information we collect and how we use it, and to appeal a decision we make about your request. We will not treat you differently for exercising your rights. To make a request, contact us using the details below. We will verify your identity by matching information you provide with our records, and respond within the time the law requires. You may use an authorized agent to make a request on your behalf.

11. Insurance privacy laws

If you apply for or buy a policy, your information is also protected by federal and state insurance privacy laws, including the Gramm-Leach-Bliley Act and your state’s insurance information privacy rules. The insurance company that issues your policy will give you its own privacy notice explaining how it handles your information. Health information you provide during an application is handled by the insurance company under its own privacy practices.

12. Children

Our website is intended for adults 18 and older. We do not knowingly collect personal information from children under 18 through this website. A parent or guardian who wants coverage for a child should contact us directly. If you believe a child has submitted information to us, contact us and we will delete it.

13. Changes to this policy

We may update this policy from time to time. We will post the new version here with a new “Last updated” date. If we make a material change to how we use information you already gave us, we will ask for your consent where the law requires it.

14. Contact us