Privacy Policy

This Privacy Policy explains how First Benefit Solutions LLC (“First Benefit,” “we,” “us”) collects, uses, shares, and protects information when you visit firstbenefitinsurance.com, request a quote, or work with one of our licensed agents.

1. Information we collect

Information you give us

• Contact details: name, phone number, email address, mailing address, and state of residence.
• Quote details: date of birth, gender, tobacco use, height and weight, health conditions and prescriptions, current coverage, and the coverage you are interested in. Health information is collected only to the extent a carrier requires it to quote or underwrite a policy.
• Application details: beneficiary information, Social Security number, bank or payment information, and other items a carrier’s application requires. These are entered into the carrier’s application on your behalf.
• Communications: the content of calls, emails, and text messages with us. Calls with our agents may be recorded for quality, training, and compliance.

Information collected automatically

• IP address, browser and device type, pages visited, referring page, and the date and time of your visit.
• Cookies and similar technologies used to run the site and measure how it is used. You can control cookies through your browser settings.

2. How we use information

• To respond to your request, prepare quotes, and compare options across the carriers we represent.
• To submit and service applications with the carrier you choose.
• To contact you about your quote, application, or policy by phone, email, or text, subject to your consent choices.
• To operate, secure, and improve the website.
• To comply with insurance regulations, respond to lawful requests, and enforce our terms.

3. How we share information

We do not sell your personal information. We share it only as follows:

• Insurance carriers you ask us to quote or apply with, to the extent needed to quote, underwrite, issue, and service a policy.
• Service providers that host our website, process form submissions, or provide phone, email, and messaging systems under contract, and only to perform those services for us.
• Legal and regulatory: when required by law, regulation, subpoena, or a state department of insurance, or to protect our rights and the safety of others.
• Business transfers: in connection with a merger, acquisition, or sale of assets, under the same protections described here.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third party.

4. Text messaging (SMS)

You can opt in to text messages from First Benefit in two ways: by checking the optional text message box on our quote form, or by giving verbal consent to a licensed agent on a recorded call. Messages are about your quote, application, callbacks, and policy status, plus occasional offers about rates and coverage. Message frequency varies. Message and data rates may apply.

• Reply STOP to any message to opt out. You will receive one confirmation message and no further texts.
• Reply HELP for help, or contact us at contact@firstbenefitinsurance.com or (800) 508-4391.
• Consent to receive texts is not a condition of purchasing any product or service.
• Text messaging originator opt-in data and consent are not shared with any third party. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Full program details are in our SMS Terms.

5. Security

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including encrypted connections to this website and access controls on our systems. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Retention

We keep information for as long as needed to serve you, to meet insurance record-keeping requirements, and to resolve disputes. Quote requests that do not become a policy are retained for a limited period and then deleted or anonymized.

7. Your choices

• Phone and email: tell any agent, or email contact@firstbenefitinsurance.com, and we will stop marketing contact.
• Text: reply STOP.
• Access, correction, deletion: email contact@firstbenefitinsurance.com with your request. We will verify your identity before acting on it. Some records must be kept under insurance law.

8. California residents

Under the California Consumer Privacy Act you have the right to know what personal information we collect and how it is used and shared, to request deletion or correction, to opt out of the sale or sharing of personal information (we do not sell or share personal information for cross-context behavioral advertising), and to not be discriminated against for exercising these rights. To exercise them, email contact@firstbenefitinsurance.com. Information collected in connection with insurance transactions may also be governed by the California Insurance Information and Privacy Protection Act and related federal law, which can limit some requests.

9. Children

This website is not directed to children under 18 and we do not knowingly collect information from them.

10. Third-party links

Links to carrier websites, Medicare.gov, or other third parties are governed by those sites’ own privacy policies.

11. Changes

We may update this policy. The effective date at the top changes when we do, and the current version is always posted here.

12. Contact

First Benefit Solutions LLC
contact@firstbenefitinsurance.com
(800) 508-4391