Privacy Policy

1. Who We Are

North Star Benefits ("we," "us," or "our") is the insurance business of Andrew White, a licensed life insurance agent based in East Tennessee. We help individuals and families in Tennessee, Mississippi, Georgia, North Carolina, and South Carolina find final expense (whole life) insurance coverage. This Privacy Policy explains what information we collect when you submit one of our forms, how we use it, and the choices you have.

2. Information We Collect

We collect only the information you choose to give us, including:

• Your name
• Phone number
• Email address
• The state you live in
• Your answers to questions on our forms, such as what kind of coverage you are looking for, who it is for, a comfortable monthly amount, when you would like coverage, and the best time to call

If you speak with us about a quote, we may also collect information an insurance company needs to give you a quote or process an application.

3. Facebook and Instagram Lead Forms

Most people reach us through lead forms in ads on Facebook and Instagram. When you submit one of these forms, Meta Platforms, Inc. shares the information you entered with us. Meta's own collection and use of information is covered by Meta's Privacy Policy at facebook.com/privacy/policy, not by this policy. This policy covers what we do with your information after we receive it.

4. How We Use Your Information

We use your information to:

• Contact you by phone call, text message, and email about the final expense insurance quote you requested
• Answer your questions and help you compare coverage options
• Request quotes from, and submit applications to, insurance companies at your request
• Keep records of our communications with you and meet legal and regulatory requirements

5. How We Share Information

We share your information only:

• With insurance companies (carriers), and only as needed to quote, apply for, or service the coverage you asked about
• With service providers who help us respond to you, such as our customer relationship management, phone, text messaging, and email providers, and only as needed to provide those services
• When required by law, regulation, or legal process

We do not sell your personal information. Mobile phone numbers and text messaging consent are not shared with third parties or affiliates for their marketing purposes.

6. Calls, Text Messages (SMS), and Email

By submitting a form and providing your phone number or email address, you agree that Andrew White, a licensed agent with North Star Benefits, may contact you by phone call, text message, and email about your insurance request. Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase.

You can opt out at any time:

• Text messages: reply STOP to any message to stop receiving texts. Reply HELP for help.
• Email: click the unsubscribe link in any email, or email us at [EMAIL - to be confirmed].
• Phone: call us at (423) 237-4699 and ask to be removed from our call list.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

8. How Long We Keep Information

We keep your information only as long as needed to respond to your request, provide our services, and meet legal, regulatory, and insurance record-keeping requirements. After that, we delete it or keep it in a form that no longer identifies you.

9. Your Choices

You may ask us to:

• Stop contacting you by phone, text, or email (see Section 6)
• Tell you what personal information we have about you
• Correct information that is wrong
• Delete your information, except where we must keep it by law or for insurance records

To make a request, call (423) 237-4699 or email [EMAIL - to be confirmed]. We may need to confirm your identity before acting on a request.

10. State Privacy Rights

Depending on the state you live in, you may have additional rights under state privacy or insurance laws. We will honor requests as required by the laws that apply to us. To make a request, use the contact details in Section 14.

11. Children's Privacy

Our services are not directed to anyone under 18, and we do not knowingly collect personal information from children. If you believe a child has given us information, please contact us and we will delete it.

12. Cookies and Website Tracking

We do not operate a website that collects information from visitors. This page does not use cookies or tracking tools.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and change the effective date above.

14. Contact Us