1. Who we are
This Privacy Policy describes how Life Surety LLC, doing business as CoverageForME ("we," "us," or "our"), collects, uses, shares, and protects information about you when you visit our website, request a quote, or communicate with us by phone, text, or email.
We are a licensed insurance agency. Our registered business address is 13 Fairway Dr, Ocean View, DE 19970. All mail and correspondence should be sent to our mailing address: 10001 Derekwood Ln, Lanham, MD 20706.
2. Information we collect
We collect information you provide directly to us and information collected automatically when you use our website.
Information you provide
- Contact details — your name, phone number, email address, and mailing address.
- Quote and application information — details needed to prepare an insurance quote or application, which may include your date of birth, address, property details, vehicle details, business details, and information about your insurance needs.
- Financial information — information relevant to underwriting and coverage, which may include details carriers require to rate a policy.
- Health information — for life, health, disability, or related coverage, we may collect health-related information necessary to obtain a quote or place coverage.
- Communications — the content of messages, calls, and emails you exchange with us.
Information collected automatically
- Basic technical data such as your IP address, browser type, device information, and pages viewed, collected through standard web technologies to operate and secure our site.
3. How we use your information
We use the information we collect to:
- Prepare insurance quotes and applications and place coverage with carriers;
- Service your policies, process requests, and assist with claims;
- Respond to your questions and communicate with you by phone, text, or email;
- Match your request to a licensed agent appropriate for your coverage and state;
- Comply with legal, regulatory, and licensing obligations;
- Operate, secure, and improve our website and services.
We do not sell your personal information.
4. SMS / text messaging
When you provide your mobile number — by requesting a quote, texting us, or otherwise contacting us — you consent to receive text messages from us at that number relating to your inquiry, quote, policy servicing, and related communications.
- Consent is not a condition of purchase. You are not required to agree to receive marketing texts to obtain a quote or coverage.
- Message frequency varies based on your interactions with us.
- Message and data rates may apply depending on your mobile carrier and plan.
- To opt out, reply STOP to any text message at any time. You may reply HELP for assistance, or contact us using the details below.
- After you opt out, we will not send further non-essential texts to that number, though we may send a single confirmation that you have been unsubscribed.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third parties.
6. Health & financial information
As an insurance agency, we may handle nonpublic personal financial information and, for certain coverage, health-related information. We treat this information with care and in accordance with applicable laws, which may include the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy regulations.
We limit our collection of health and financial information to what is reasonably necessary to provide a quote, place coverage, or service your policy, and we maintain physical, electronic, and procedural safeguards designed to protect it.
If any portion of our services causes us to act as a business associate or covered entity under the Health Insurance Portability and Accountability Act (HIPAA), we will handle protected health information in accordance with applicable HIPAA requirements. The scope of any such obligations should be confirmed for your specific business with qualified counsel.
7. How we protect your information
We maintain administrative, technical, and physical safeguards designed to protect the security and confidentiality of your information, including encrypted connections on our website and restricted access to systems that hold personal information. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.
8. Your choices & rights
You may:
- Request access to or correction of the personal information we hold about you;
- Opt out of text messages at any time by replying STOP;
- Ask questions about how your information is used by contacting us below.
Depending on your state of residence, you may have additional rights regarding your personal information. We will honor applicable rights as required by law.
9. Data retention
We retain your information for as long as needed to provide our services, comply with our legal and regulatory obligations (including insurance recordkeeping requirements), resolve disputes, and enforce our agreements.
10. Children's privacy
Our website and services are intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has provided us information, please contact us so we can remove it.
11. Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above. Material changes will be reflected on this page.
12. Contact us
If you have questions about this Privacy Policy or how we handle your information, contact us:
- Phone / text: (866) 952-6837
- Email: help@coverageforme.com
- Mail: Life Surety LLC dba CoverageForME, 10001 Derekwood Ln, Lanham, MD 20706