Privacy Policy

1. Introduction

Benefits Life, Inc. ("Benefits Life," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit benefitslife.com, contact us, apply to become a contracted agent, or interact with our services.

By using our website or services, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use our website.

This Privacy Policy covers general personal information. For our handling of Protected Health Information (PHI) under HIPAA, please see our HIPAA Notice of Privacy Practices.

2. Information We Collect

We collect information in the following ways:

Information You Provide Directly

• Contact information: name, email address, phone number, mailing address
• Agent application information: NPN (National Producer Number), licensing information, E&O insurance details, years of experience, current FMO, carrier appointments
• Communications: messages, inquiries, feedback, and correspondence you send us
• Career information: resume or professional background if you apply for employment

Information Collected Automatically

• Device and usage information: IP address, browser type, operating system, referring URLs, pages visited, time spent, and click activity
• Cookies and similar technologies: see Section 6 for details

Information from Third Parties

We may receive information about you from insurance carriers, background-check providers, licensing databases, and marketing partners when appropriate for servicing your agent contract or verifying your credentials.

3. How We Use Information

We use the information we collect for the following purposes:

• To process agent contracting applications and manage carrier appointments
• To administer marketing co-op and Regus office co-op programs for contracted agents
• To provide access to our MedicareSuite, Ramona CRM, and AgentHive platforms
• To communicate with you about our services, training, AEP certifications, and industry updates
• To respond to inquiries, support requests, and feedback
• To maintain the security and integrity of our website and services
• To comply with legal, regulatory, and CMS requirements
• To analyze website usage and improve our services

4. How We Share Information

We do not sell your personal information. We share your information only in the following circumstances:

With Insurance Carriers

To process agent appointments, we share necessary information with carriers you wish to be contracted with (e.g., UnitedHealthcare, Humana, Aetna, Anthem).

With Service Providers

We share information with trusted service providers who assist us in operating our business — including technology vendors, background-check services, email platforms, and analytics providers — subject to confidentiality obligations.

With Regulators and Legal Authorities

We may disclose information to comply with applicable laws, regulations, subpoenas, court orders, or CMS requirements, or to protect our rights, property, or safety.

Business Transfers

If Benefits Life is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. These include encrypted data transmission, access controls, employee training on data privacy, and secure storage systems.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

6. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your experience, remember your preferences, and analyze how visitors use our site. Types of cookies we may use include:

• Essential cookies: required for core site functionality
• Analytics cookies: help us understand how visitors interact with the site (e.g., Google Analytics)
• Preference cookies: remember your settings and preferences

You can control cookies through your browser settings. Disabling cookies may affect certain website functionality.

7. Your Rights & Choices

Depending on where you live, you may have certain rights regarding your personal information:

• Access: request a copy of the personal information we hold about you
• Correction: request that we correct inaccurate or incomplete information
• Deletion: request that we delete your personal information, subject to legal retention requirements
• Opt-out of marketing: unsubscribe from marketing emails at any time using the unsubscribe link or by contacting us
• California residents (CCPA/CPRA): additional rights including the right to know what personal information we collect, sell, or share, and the right to opt-out of sale or sharing. Benefits Life does not sell personal information.

To exercise these rights, please contact us using the information in Section 10.

8. Children's Privacy

Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or through a notice on our website. Your continued use of our website after changes take effect constitutes your acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us: