Privacy Policy

Depending on how you use the site, you may submit:

• Contact information — name, email address, phone number, state, and any message you type into a contact, quote, or scheduling form.
• Financial and insurance information — such as approximate income, savings, existing policy details, and coverage goals shared through intake forms or calculators you choose to submit.
• Health-related information — general health details (for example, tobacco use or major conditions) only when you voluntarily provide them so coverage options can be discussed accurately.
• Uploaded documents — files you attach through the secure document upload area, such as policy statements or beneficiary forms.

Please do not submit Social Security numbers, full account numbers, or medical records through website forms. If that information is needed, it will be collected through a carrier's own secure application process.

This site may use cookies and similar technologies for basic functionality and to understand aggregate usage (for example, which pages are visited most). Most browsers let you block or delete cookies; blocking them may affect some features.

Operating this website involves third-party providers — hosting, storage, database, email delivery, form processing, scheduling, and analytics services. These providers process information on our behalf so the site and its forms can work. Information may also be shared with an insurance carrier or a licensed professional when you ask for a quote, an illustration, or an application.

Your information is not sold.

• To respond to your question and schedule a conversation.
• To prepare illustrations, comparisons, and coverage recommendations.
• To submit an application to a carrier when you ask us to.
• To send follow-up messages you requested; you can unsubscribe at any time.
• To maintain records required by insurance regulations.

Inquiry and client records are retained as long as needed to provide service and to meet applicable insurance recordkeeping and legal obligations, after which they are deleted or archived. Uploaded documents are retained only as long as needed for the review you requested unless a longer period is legally required.

You can ask what information is on file, request a correction, or request deletion of information that is not required to be retained. Email michaelfox133@icloud.com or call 856-676-9358. Requests are handled within a reasonable time.

This site is not directed to children under 13, and information is not knowingly collected from them.

This policy may be updated as services or providers change. The review date at the top of the page reflects the most recent update.

Michael Fox, Cherry Hill, New Jersey — michaelfox133@icloud.com • 856-676-9358