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Website Terms & Condition of Use
Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
Use License
Permission is granted to temporarily download one copy of the materials (information or software) on the Insurance Educator's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
▸ modify or copy the materials;
▸ use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
▸ attempt to decompile or reverse engineer any software contained on the Insurance Educator's web site;
▸ remove any copyright or other proprietary notations from the materials; or
▸ transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Insurance Educators at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Disclaimer
The materials on Insurance Educator's web site are provided “as is”. Insurance Educators makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Insurance Educators does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
Limitations
In no event shall Insurance Educators or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Insurance Educator‘s Internet site, even if Insurance Educators or a Insurance Educators authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Revisions and Errata
The materials appearing on Insurance Educator‘s web site could include technical, typographical, or photographic errors. Insurance Educators does not warrant that any of the materials on its web site are accurate, complete, or current. Insurance Educators may make changes to the materials contained on its web site at any time without notice. Insurance Educators does not, however, make any commitment to update the materials.
Links
Insurance Educators has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Insurance Educators of the site. Use of any such linked web site is at the user’s own risk.
Site Terms of Use Modifications
Insurance Educators may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
Governing Law
Any claim relating to Insurance Educator‘s web site shall be governed by the laws of the State of Rhode Island without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
Privacy Policy
We at Insurance Educators (the “Site”, or “Us”, “Our” or “We”) understand that You, the user of the Site and its services (“You”) value Your privacy and We strive to respect that privacy when You are using the Site or Our services. This Privacy Policy describes what information We gather from You, how We use that information, who We share it with, and what We do to protect it. By using this Site, You are expressly consenting to the information handling practices described in this Privacy Policy. If You do not agree with this Privacy Policy, do not use the Site and do not submit any information to Us.
TCPA Consent & Privacy
Notwithstanding any current or prior election to opt in or opt out of receiving telemarketing calls or SMS messages (including text messages) from us, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your inquiry, client relations and/or account, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using prerecorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your inquiry, client relations and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You also agree that we may contact you by e-mail, using any email address you have provided to us or that you provide to us in the future. We may listen to and/or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to and record calls for quality monitoring purposes.
Information We Collect From You
The information We collect from You, includes, but is not limited to: name, age, gender, physical address, email address, phone number, household information, income, marital status, and personal health information such as medical history. We reserve the right, and the Site may collect from time to time, any other lawful personal information about You, such as information that will help us match products and services that may be of interest to You.
The Site also collects and retains non-personal, technical information about Your visit(s) to the Site, including, without limitation, IP address assigned to the computer You are using, the type of browser You are using, Your location, time of visit, and the operating system Your computer or device is using.
How We Use Your Information
We use Your personal information to match Your request for insurance products and services with Our network of providers of insurance products and services.
We may also use Your personal information for any other lawful purpose, including, without limitation, sharing Your personal information with third parties who may send You ads or marketing communications about their products and offers which may be of interest to You.
By submitting Your information to Us, You are authorizing these third parties to contact You through any lawful means, including, without limitation, email, telephone (even if Your telephone number is on the do not call list), text, or online ads, regarding their products and services. If You subsequently desire that these third parties no longer contact You, You will need to communicate Your request directly to them.
We may also share Your information with third-party contractors who provide services to Us so that We can provide You with the Site and its various services. These third-party contractors are prohibited from using the information We provide for purposes other than performing services for Us. We may transfer Your information to third parties that are involved in a corporate merger or acquisition with Us.
The non-personal data that the Site collects is generally used in the aggregate to analyze the ways in which the Site is used, and how We can improve the user experience, and may be shared with third parties such as advertisers, marketers, and other vendors who provide Us with services. We use information about You and Your activities on the Site for research and reporting purposes.
We may also disclose Your information to third parties when We reasonably believe We are obligated to do so by law. We may also do so in order to investigate, prevent, or take action regarding suspected or actual prohibited activities, including, without limitation, fraud, situations involving potential threats to the Site or the physical safety of any person, and violations of any applicable law.
Cookies
We may use cookies, web beacons, and other tracking technologies to collect information about You and Your interaction with the Site. We may also use tracking technologies for interest-based advertising, as described below. Typically, Our cookies will expire after 30 days. Most web browsers are set to accept cookies by default, but You can usually change Your settings to reject cookies. For more information about interest-based ads, see the “Interest-Based Ads” section below.
Do Not Track
Most browsers have a “Do Not Track” functionality of Your web browser by visiting the Preferences or Settings page of Your web browser. Because there are currently no industry standards for Do Not Track signals and responses, the Site is not designed to respond to the “Do Not Track” setting of Your browser.
Interest-Based Advertising
We and Our third-party partners may engage in marketing tactics, including what is known as “interest-based advertising”. As described above, We and Our partners may set a cookie on Your device and/or browser. Among other things, this technology allows Us and Our partners to provide You with interest-based or targeting advertising, that is, offers to products and services which will be of interest to You based on websites You’ve visited, Your visit to this Site, or other data or information which marketers may have about You. Such tactics may include tracking Your use of a web service over time and across different websites, in what is known as “retargeting”. Retargeting means that after visiting the Site or other websites, marketers may deliver ads to You on this or other websites. Marketers may track Your Internet usage across websites and combine data from other sources to personally identify You.
For more information about interest-based advertising, please visit http://www.allaboutcookies.org/. To opt out of Your web browsing information being used in this manner, please visit http://optout.aboutads.info. This opt-out process is managed and governed by industry self-regulatory bodies such as the Digital Advertising Alliance (http://digitaladvertisingalliance.org/), not by Us. Note that in the opt-out process, You may opt-out of interest-based advertising on a company-by-company basis, or You may opt out of interest-based ads from all companies who have elected to participate in the program. We do not participate directly in the program, however, Our third-party partners who may be showing You ads through Our interest-based marketing efforts, such as Google, Inc., do participate. And, although some companies may provide their own, direct opt-out mechanism, this Site does not currently offer that option.
If You do elect to take advantage of this opt-out, please note that it remembers Your preference by setting a cookie on Your device or browser. Therefore, if You change computers or browsers, or delete cookies, You will have to opt-out again for each of the companies You previously opted out of. It is also important to note that opting-out of interest-based ads does not mean that You will no longer receive advertising, nor will it prevent the receipt of interest-based advertising from third parties that do not participate in these programs. It will, however, exclude You from interest-based advertising conducted through participating networks, as provided by their policies and choice mechanisms.
Revoking Your Consent
If, after submitting Your personal information to Us, You subsequently decide that You no longer want Us to retain and use Your personal information, please email Us at [email protected] and We will use commercially reasonable efforts to delete Your personal information which is no longer needed for our legal compliance purposes (for example, some laws may require that we keep records of Our transactions regarding Your Personal Information), and we will cease sharing your Personal Information with third parties. However, please note that if We have shared Your personal information with any third parties, You will have to contact them directly with Your request to delete Your information. They may or may not have policies which allow such actions; We do not have knowledge or control their practices.
Opting Out of Email Marketing Communications
If We are sending you email marketing communications and You no longer wish Us to send You those email marketing communications, please click on the unsubscribe link in the email We send you or send Your opt-out request to theinsuranceeducators.com and We will implement Your opt-out request within 10 business days. Again, if We have shared Your email address with any third parties, You will have to contact those companies directly. Please note that You cannot opt-out of email communications that are not marketing in nature, that is, emails which are used for administrative or technical communications.
Third Party Sites, Links, and Content Appearing on theinsuranceeducators.com
The Site may contain links to, advertisements for, or other content from third party sites and services which are operated by such third parties and not Us. Such third parties’ practices and policies regarding the handling of Your information may differ from Ours. While We endeavor to associate only with reputable partners and third-party sites, We are not be responsible for their actions or policies. This Privacy Policy does not address any such third parties. Please review their privacy policies directly.
Protecting Your Information
The Site may contain links to, advertisements for, or other content from third party sites and services which are operated by such third parties and not Us. Such third parties’ practices and policies regarding the handling of Your information may differ from Ours. While We endeavor to associate only with reputable partners and third-party sites, We are not be responsible for their actions or policies. This Privacy Policy does not address any such third parties. Please review their privacy policies directly.
Information Relating to Children
Only individuals 18 years of age or older have permission to use the Site. If You are not at least 18 years old, do not use the Site. Any individual who uses the Site or provides their information to Us represents that they are 18 years of age or older.
The Site is not intended for or directed at children under 13 years of age. We do not knowingly collect personal information from children under 13 years of age. If You are under 13 years of age, do not use this Site or provide Your information to Us. If We discover that a child under the age of 13 has provided Us with personal information, or that We have inadvertently collected such information, We will promptly delete it from Our systems. However, third parties which we have passed such information on to will still have such information. If anyone believes that We have been provided with the personal information of a child under the age of 13, please notify Us immediately at [email protected] , and we will use commercially reasonable efforts to promptly delete such information. Please be advised, however, that such persons will also need to contact third parties which We have shared such information with.
Your California Privacy Rights
Under California law, residents of California may request certain information about Our disclosure of personal information during the prior calendar year to third parties for marketing purposes. To request this information, please contact Us at [email protected] .
Changes to this Privacy Policy
We may make changes to this Privacy Policy at any time, for any or no reason, with or without notice to You. Such changes may take place due to a change or expansion in Our services or policies. As You use the Site, You are required to periodically check this Privacy Policy for any changes. To assist You, We provide Our Privacy Policy’s effective date at the top of this page. You are responsible for reading and understanding this Privacy Policy, and Your continued use of the Site or Our services following a change or update to this Privacy Policy constitutes Your continued agreement and consent to the practices described herein.
If You have any questions or comments regarding Our Privacy Policy, please visit Us at Our “Contact Us” page.
Privacy Notice for California Residents
This Privacy Notice for California Residents supplements the information contained in our privacy policy above and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.
Personal information does not include:
Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, like:
health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
We obtain the categories of personal information listed above from the following categories of sources:
Directly from you (e.g., via telephone, text message, email, website form submission, etc.).
Publicly accessible sources (e.g., property records, public directories, etc.).
Third parties (e.g., marketing vendors and social media, digital advertising, and data aggregation businesses).
Indirectly from you (e.g., via cookies, digital trackers, analytics, and IT and security systems).
Use of Personal Information
We may use, or disclose the personal information we collect for one or more of the following business purposes:
To fulfill or meet the reason you provided the information. For example, if you share
To fulfill the reason you provided the information (e.g., to match you with an insurance agent, provide support, respond to an inquiry, etc.).
To market products and services to you (including by third parties with whom we may share your personal information).
To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites and companies, and via email, telephone, text message, or other means (with your consent as required by applicable law).
For other marketing purposes.
To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
To evaluate or conduct a merger, restructuring, sale, or other corporate transaction in which personal information is among the assets transferred.
To investigate and prevent fraud and abuse of our website, products, and services.
To comply with our legal and regulatory obligations.
For other business purposes
Sharing Personal Information
We may disclose your personal information to a third party for a business purpose or sell your personal information, subject to your right to opt-out of those sales (see Personal Information Sales Opt-Out and Opt-In Rights). When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.
Persons or companies that offer products or services on our websites (Providers).
Marketing vendors and social media, digital advertising, and data aggregation companies (Marketers).
Auditors, attorneys, consultants, professional service providers, etc. (Professional Services).
Other parties with a legal interest (including private parties and government or regulatory entities) (Legal Parties).
Other service providers we use to help provide our products or services (Service Providers).
Disclosures of Personal Information for a Business Purpose
In the preceding twelve (12) months, we have disclosed for a business purpose Identifiers, Related Information, Characteristics, Internet Activity and Geolocation Data to Providers and Marketers.
Sales of Personal Information
In the past twelve (12) months, we have disclosed for business purposes Identifiers, Related Information, Characteristics, Internet Activity, Geolocation Data and Inferences to Professional Services and other Service Providers.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or selling that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you (also called a data portability request).
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
sales, identifying the personal information categories that each category of recipient purchased; and
disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending us an email to [email protected] . Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Personal Information Sales Opt-Out and Opt-In Rights
We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, our websites by individuals under eighteen (18) years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time. To request that we do not sell your personal information, click the Do Not Sell My Personal Information hyperlink located near the bottom of the landing page on our website.
Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back into personal information sales at any time by visiting our website and sending us a message. We will only use personal information provided in an opt-out request to review and comply with the request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us an email to [email protected] or write us at our address listed on our webpage.
Changes to Our Privacy Notice
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us an email to [email protected] or write us at our address listed on our webpage.
Contact Information
If you have any questions or comments about this notice, the ways in which we collect and uses your information described herein, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us as follows:
By emailing – [email protected] .
Write us at our address listed on our webpage.
Insurance Educators
730 W Center Circle Nixa, MO 6517
INSURANCE EDUCATORS
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© 2025 Insurance Educators ┃ All Rights Reserved. Privacy Policy & Terms of Service┃ Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area.
Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
INSURANCE EDUCATORS
SERVICES
ADDITIONAL SERVICES
STAY CONNECTED
© 2025 Insurance Educators
All Rights Reserved.
Privacy Policy & Terms of Service
Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Why Life Insurance Matters
Life insurance is one of the most meaningful ways to protect the people you love. While it’s often seen as both a financial and emotional decision, at its heart, it’s really about love, care, and providing a secure future for those who matter most.
Every year, millions of individuals and families choose life insurance for reasons that are often hard to put into words, but deeply felt. It may seem like a simple concept, but the motivation behind it is personal, emotional, and powerful.
If you’re like most people, you’re here for the same reasons,
to protect your loved ones, fulfill your responsibilities, and ensure their future is safe.
Here’s why life insurance matters.
Here's why more individuals and families choose to protect what matters with life insurance:
Protect the People You Love
Life insurance is about providing for those who depend on you. It’s a commitment to shield your family from financial stress if something unexpected happens, so they can keep moving forward with confidence.
It's Not For You - It's for Them
The purpose of life insurance is simple: to protect your loved ones when you’re no longer there to do it yourself. It’s about their security, not yours - and that peace of mind is priceless.
Provide for your loved ones no matter what
By securing their financial future, you’re helping your loved ones maintain their lifestyle in the event of the unexpected.
Time, Choices and Financial Breathing Room
Losing a loved one is overwhelming. Life insurance helps your family avoid rushing difficult decisions, providing the time and financial flexibility they need to adjust at their own pace.
Immediate Funds, When They’re Needed Most
The payout from a life insurance policy is often available right when it’s needed most - and usually tax-free.
