Privacy Policy

What This Policy Covers

This page explains how Life Insurance Carlsbad handles information connected to this website and to phone calls with our agents. We serve clients in Carlsbad, CA and the surrounding area. The site is informational only. It has no accounts, no logins and no forms, so the only way to reach us is by calling (760) 388-9220.

What the Website Records on Its Own

Like most websites, ours runs on a server that keeps ordinary logs. A log entry can include your IP address, browser type, device type, the page you asked for and the time of the request. These records exist mainly to keep the site running and to spot technical faults or misuse, such as repeated failed requests.

Cookies and Basic Analytics

We may use basic analytics cookies to count visits and see which pages people read, for example whether the term life insurance page gets more attention than the retirement income planning page. That tells us which explanations to improve. These figures are looked at in summary form, not to build a profile of any one visitor.

You can block or delete cookies in your browser settings. The site will still work without them.

What You Share by Phone

When you call, you decide what to tell us. To look at your situation before suggesting any policy, an agent may ask about your age, health, income, debts, existing coverage or who you would name as a beneficiary. You can decline any question. Some answers are needed to give an accurate quote, and we will tell you why a question matters before you answer it.

How We Use and Share Information

We use what you share to answer your questions, review your coverage and prepare quotes. If you choose to apply for a policy, the details needed for that application go to the insurance carrier you select, because the carrier makes the underwriting decision. We do not sell your information. We may disclose it if the law requires us to.

Your Choices

You can ask what information we hold from your calls, ask us to correct it, or ask us to stop contacting you. Those requests come through the same phone line as everything else, (760) 388-9220, and an agent will walk through what you would like changed.

Changes to This Page

If the way this website works changes, we will update this page so it describes what actually happens. Questions about anything here are welcome by phone at (760) 388-9220.