All Risk Life Insurance
Call Us 858-271-8100
Call Us 858-271-8100
Your privacy is very important to us.
We don’t ask you for personal information unless we truly need it. We don't need this information unless you are applying for coverage. We do need a broad overview of your health status in order to provide the most accurate rate but it is up to you whether to provide your personal information. We don’t sell or share your personal information with anyone except to comply with the law. We don’t store personal information. If you have questions about deleting and/or correcting your personal data or blocking your email address please contact us:
Gathering of Personal and Health Identifying Information
Certain visitors to our website choose to interact with us in ways that require us to gather personally-identifying information such as a residence address to mail proposals. The amount and type of information that we gather depends on the nature of the interaction. Customers can always refuse to supply personal and medical identifying information, with the caveat that it may prevent them from getting the most accurate proposals and recommendations. Life Insurance is based on risk assessment and accurate medical issues are relevant to the potential issued rate unlike most health insurance policies which now don't require medical underwriting. Be assured that our office does not sell or share your information and is committed to any personal information you share with us.
Our Business Model
Our intent is to gather only the necessary information to provide the most accurate quote for your review. The information needed to provide an accurate quote is limited which includes ages, height and weight, level of protection, any hobbies or high risk activities and medical issues including prescriptions of those individuals wishing to be quoted. We will then email proposals and recommendations. Outside of that initial information we may ask you about your financial objectives but in no instance are we going to ask for specific financial statements unless required by the actual insurance company. To obtain a quote does not require detailed personal information and if interested in coverage then the application process is where you will be required to provide specific details. We work with General Agencies who help expedite the underwriting process. We may have to send them the applications who will then be in possession of your personal information. We will review applications if not directly sent to GA's and may make copies initially or be sent copies from the GA for our records. All files are secure. Suffice it to say that the initial quoting and recommendation process does not require extensive personal information. Feel free to inquire about what is needed in every step of the process.