Privacy Policy

1. Who We Are

Insurance Answers USA ("we," "our," or "us") is a licensed independent insurance agency operating at insuranceanswerssusa.com. Philip Smith (NPN #22255420 · FL Lic. #G349232) is the licensed agent. We help Florida residents and individuals nationwide find health, Medicare, and life insurance coverage. This Privacy Policy explains how we collect, use, disclose, and protect information about visitors to our website and people who request insurance information or quotes through our site.

2. Information We Collect

Information you provide directly:

• Name, email address, and phone number (when you submit a form or request a quote)
• ZIP code and location information
• Age range, household size, and income range (through our Coverage Navigator tool)
• Insurance type preferences and urgency
• Any information you include in messages or consultation requests

Information collected automatically:

• Pages visited on our website and time spent on each page
• Browser type, device type, and operating system
• IP address and general geographic location
• Referring website and UTM campaign parameters
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Connect you with a licensed insurance agent who can assist with your coverage needs
• Send you information about insurance plans relevant to your inquiry
• Contact you by phone, email, or SMS to follow up on your request
• Provide the Coverage Navigator tool and personalized recommendations
• Improve our website, content, and services
• Comply with legal and regulatory requirements
• Analyze website usage and marketing effectiveness

4. SMS Communications and TCPA Consent

When you provide your phone number through our Coverage Navigator or any contact form, you expressly consent to receive SMS text messages from Insurance Answers USA (Philip Smith, NPN #22255420 · FL Lic. #G349232). These messages may include:

• Your insurance quote results and personalized recommendations
• Follow-up messages from a licensed insurance agent
• Appointment reminders and scheduling information
• Informational content about insurance options

Consent is not required to purchase insurance. Message frequency varies. Message and data rates may apply. You can opt out of SMS messages at any time by replying STOP to any message. For help, reply HELP or contact us at hello@insuranceanswerssusa.com.

We record the date, time, and IP address of your consent as required for TCPA compliance.

5. Health Information Notice (HIPAA)

Insurance Answers USA is an insurance agency, not a covered healthcare provider or health plan. However, in the course of helping you find coverage, we may collect health-related information such as age, prescription medications, and general health status.

We treat all health-related information you share with us as sensitive and confidential. We do not sell, rent, or disclose health information to third parties except as necessary to obtain insurance quotes from carriers on your behalf or as required by law.

Insurance carriers we work with are subject to their own HIPAA obligations. When you authorize us to obtain quotes on your behalf, you authorize the limited sharing of necessary information with those carriers.

6. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Licensed insurance carriers when you request a quote or enroll in a plan
• Service providers who help us operate our website and communicate with you (such as email and SMS platforms), under confidentiality agreements
• Legal authorities if required by law, court order, or to protect our legal rights
• Business successors in the event of a merger, acquisition, or sale of assets

7. Data Security

We implement industry-standard security measures to protect your personal information, including encrypted database storage, secure HTTPS connections, and access controls. However, no method of transmission over the Internet or electronic storage is 100% secure. We encourage you to use caution when sharing sensitive information online.

8. Your Rights and Choices

You have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of SMS communications (reply STOP to any text)
• Opt out of email communications (click unsubscribe in any email)
• Opt out of cookies through your browser settings

To exercise these rights, contact us at hello@insuranceanswerssusa.com.

9. Cookies

Our website uses cookies and similar technologies to remember your preferences, analyze traffic, and improve your experience. You can control cookie settings through your browser. Disabling cookies may affect some features of our site.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated date. Your continued use of our website after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your information, contact us at: