Effective Date: August 12, 2026
Last Updated: August 12, 2026
This Privacy Policy and Website Disclaimer explains how Smart Life Coverage (“Smart Life Coverage,” “we,” “our,” or “us”) collects, uses, and protects information submitted through smartlifecoverage.org (the “Website”).
The Website is intended for individuals in the United States who are interested in learning about life insurance and related coverage options.
1. Information We Collect
We may collect information you voluntarily provide when you visit our Website, complete a form, request information, request an insurance quote, contact us, or otherwise interact with our services.
Depending on your request, information may include:
- Full name
- Email address
- Telephone number
- Mailing address
- Date of birth
- Gender
- State of residence
- Tobacco-use status
- Insurance preferences
- Desired coverage amount
- Other information relevant to your insurance inquiry
If you request an insurance quote or discuss eligibility, you may voluntarily provide limited health-related information, such as medical conditions, prescription medications, height and weight, or hospitalization history.
We may also automatically collect technical information such as your IP address, browser type, device information, referring website, Website activity, cookies, and similar technologies.
2. How We Use Your Information
We may use the information we collect to:
- Respond to your inquiries and requests
- Provide information about life insurance products
- Help identify available coverage options
- Connect you with licensed insurance agents or insurance carriers
- Facilitate quote requests
- Communicate with you regarding insurance-related products and services
- Improve our Website and user experience
- Analyze Website traffic and marketing performance
- Prevent fraud, misuse, or unauthorized activity
- Comply with applicable laws and regulatory requirements
We use collected information for legitimate business and insurance-related purposes consistent with applicable law.
3. Calls, Text Messages & Communications
By submitting your information through the Website and providing the appropriate consent, you may be contacted by Smart Life Coverage, licensed insurance agents, insurance agencies, carriers, affiliates, or marketing partners regarding insurance products and services.
Communications may include telephone calls, text messages, and emails and may, where permitted by applicable law, involve automated dialing technology, prerecorded messages, or artificial or synthesized voice technology.
Consent to receive marketing communications is not a condition of purchasing any goods or services.
Message and data rates may apply. You may withdraw consent to marketing text messages by replying STOP or by following the unsubscribe instructions provided in an email.
4. How We Share Information
We may share information with third parties when reasonably necessary to respond to your request, provide insurance-related services, or operate our Website.
These parties may include:
- Licensed insurance agents and agencies
- Insurance carriers
- Insurance-related marketing partners
- Website hosting and technology providers
- Analytics and advertising providers
- Communication and customer-service providers
- Security and fraud-prevention providers
- Government authorities when required or permitted by law
We do not sell personal information for unrelated third-party marketing purposes. Certain disclosures may nevertheless be considered “sale,” “sharing,” or “targeted advertising” under applicable state privacy laws.
5. Your Privacy Rights
Depending on your state of residence and applicable privacy laws, you may have rights to:
- Request access to personal information we maintain about you
- Request correction of inaccurate information
- Request deletion of certain personal information
- Opt out of certain targeted advertising or data-sharing activities
- Appeal a privacy-rights decision
- Exercise other rights available under applicable law
To submit a privacy-related request, please contact us using the contact information provided below.
We may take reasonable steps to verify your identity before processing certain requests.
6. Cookies & Tracking Technologies
Smart Life Coverage may use cookies, pixels, web beacons, tags, and similar technologies to:
- Maintain Website functionality
- Remember preferences
- Understand Website traffic
- Measure advertising performance
- Improve Website performance and user experience
- Support marketing activities
- Detect security issues and fraudulent activity
You may be able to manage or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of portions of the Website.
Third-party analytics and advertising providers may also use similar technologies according to their own privacy policies.
7. Data Security & Retention
We use reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized access, disclosure, alteration, or misuse.
However, no Internet transmission, website, database, or electronic storage system can be guaranteed to be completely secure.
We may retain information for as long as reasonably necessary to provide requested services, maintain appropriate business records, comply with legal obligations, prevent fraud, resolve disputes, and fulfill legitimate business purposes.
8. Third-Party Websites & Children’s Privacy
The Website may contain links or references to third-party websites, insurance companies, services, or other resources.
Smart Life Coverage does not control and is not responsible for the privacy practices, security, content, or policies of third-party websites. We encourage you to review the privacy policy of any third-party website before submitting personal information.
The Website is intended for adults and is not directed toward individuals under the age of 18. We do not knowingly collect personal information from children through the Website.
9. Insurance Disclaimer
Submitting information through smartlifecoverage.org does not guarantee:
- Approval for insurance coverage
- Eligibility for a particular policy
- A specific premium or rate
- A specific coverage amount
- Acceptance by an insurance carrier
- Availability of any particular insurance product
Smart Life Coverage is not the insurance carrier unless specifically stated otherwise. Insurance products may be offered, underwritten, and issued by independent third-party insurance companies.
Insurance availability, premiums, benefits, exclusions, eligibility requirements, and underwriting standards may vary by state, insurance carrier, and individual circumstances.
Information provided on this Website is for general informational purposes only and should not be considered legal, financial, tax, or professional insurance advice.
Any examples of premiums, savings, coverage amounts, or policy benefits are estimates for informational purposes only and are not guarantees. Actual rates and coverage may vary based on factors including age, health, tobacco use, state of residence, coverage amount, policy type, and underwriting requirements.
Testimonials and consumer experiences represent individual experiences and may not be representative of all consumers. Results may vary.
10. Changes & Contact Information
We may update this Privacy Policy and Website Disclaimer from time to time to reflect changes in our business, services, technology, or applicable legal requirements.
When changes are made, the “Last Updated” date at the top of this page will be revised.