Effective Date: July 1, 2026
Website: riveroflifeinsurance.com
Business Name: River of Life Insurance
Contact Email: info@riveroflifeinsurance.com
River of Life Insurance respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, submit a form, request information, schedule an appointment, communicate with us, or otherwise interact with our services.
By using this website or submitting information to us, you agree to the practices described in this Privacy Policy.
We may collect information directly from you, automatically through the website, and from service providers or third parties when necessary to provide our services.
When you complete a form, request a quote, schedule a consultation, download a resource, contact us, or otherwise communicate with us, we may collect information such as:
Name
Email address
Phone number
Mailing address or state of residence
Date of birth or age range, if needed for insurance-related estimates
Family or household information relevant to planning
Insurance needs, goals, or preferences
Financial goals related to life insurance, retirement planning, annuities, legacy planning, or wealth-building strategies
Existing insurance coverage information you choose to provide
Health-related information you voluntarily provide for insurance planning or underwriting discussions
Employment, business, or income-related information you voluntarily provide
Any other information you choose to submit through forms, email, phone, text, or other communications
Please do not submit sensitive information unless it is necessary for the service or request you are making.
When you visit our website, we may automatically collect certain information through cookies, analytics tools, pixels, server logs, or similar technologies, including:
IP address
Browser type
Device type
Operating system
Pages visited
Time spent on the website
Referring website or source
General location information based on IP address
Form interaction or advertising campaign data
Cookies or similar identifiers
This information helps us understand website performance, improve user experience, measure marketing effectiveness, and protect the website from misuse.
We may use the information we collect to:
Respond to your inquiries
Provide quotes, estimates, consultations, or educational information
Schedule appointments
Evaluate your insurance, retirement, or financial protection needs
Communicate with you by phone, email, text message, or other methods you have provided
Send follow-up messages, reminders, resources, or educational content
Connect you with a licensed insurance agent, agency, carrier, IMO/FMO, or related service provider when appropriate
Prepare or assist with insurance applications, illustrations, or policy reviews
Provide information about life insurance, annuities, retirement planning, wealth strategies, legacy planning, or agent opportunities
Maintain records of communications and service requests
Improve our website, forms, marketing, and client experience
Analyze website traffic and marketing campaign performance
Prevent fraud, spam, unauthorized activity, or misuse of our website
Comply with legal, regulatory, licensing, carrier, or compliance obligations
We do not use your information to make final underwriting decisions. Insurance underwriting decisions are made by insurance carriers according to their own guidelines, application processes, and privacy practices.
When you submit your contact information through this website, you authorize River of Life Insurance and its representatives to contact you regarding your inquiry, requested quote, consultation, appointment, application, policy review, educational resource, or related insurance and financial services.
We may contact you by:
Phone
Text message
Voicemail
Online scheduling tools
CRM or marketing automation systems
Message and data rates may apply for text messages. You can opt out of marketing text messages by replying STOP. You may unsubscribe from marketing emails by using the unsubscribe link provided in the email or by contacting us directly.
Opting out of marketing communications does not prevent us from sending transactional or service-related communications, such as appointment confirmations, requested information, application updates, or policy-related communications.
We do not sell your personal information in exchange for money.
However, we may share information when necessary to provide services, fulfill your request, operate our business, comply with legal obligations, or connect you with appropriate insurance-related providers.
We may share information with:
Licensed insurance agents or advisors affiliated with River of Life Insurance
Insurance agencies, marketing organizations, IMO/FMO partners, or brokerage partners
Insurance carriers
Underwriting or application support providers
CRM, email marketing, form, scheduling, phone, SMS, or automation platforms
Website hosting, analytics, advertising, and technical service providers
Payment, administrative, compliance, legal, or accounting service providers
Government, regulatory, law enforcement, or legal authorities when required
Successor entities in the event of a merger, acquisition, reorganization, or transfer of business assets
We only share information to the extent reasonably necessary for the purpose involved.
If you are referred to or interact with a third-party carrier, agency, platform, or service provider, their privacy policy may also apply.
Insurance products are issued by insurance carriers, not by the website itself. When you apply for coverage, request an illustration, or move forward with an insurance or annuity product, your information may be submitted to one or more carriers, agencies, or processing partners.
Those third parties may collect additional information directly from you and may use your information according to their own privacy policies, underwriting guidelines, and legal obligations.
We encourage you to review the privacy policies of any carrier, agency, or third-party provider involved in your application, quote, policy, or service request.
Our website may use cookies, pixels, analytics tools, and similar technologies to:
Remember user preferences
Understand how visitors use the website
Improve website performance
Measure advertising and marketing effectiveness
Track form submissions or campaign attribution
Detect spam, fraud, or security issues
These tools may be provided by third parties such as Google, Meta/Facebook, advertising networks, analytics providers, CRM tools, or website plugins.
You can adjust your browser settings to block or delete cookies. However, some website features may not function properly if cookies are disabled.
We may use advertising platforms to promote our services. These platforms may use cookies, pixels, or similar technologies to show ads, measure ad performance, or understand how visitors interact with our website.
Advertising platforms may collect information according to their own privacy policies. You may be able to adjust ad preferences directly through those platforms.
We do not authorize advertising partners to use information you submit through our website forms for unrelated purposes.
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, disclosure, alteration, or destruction.
These safeguards may include secure website hosting, access controls, password protection, SSL encryption, limited access to client information, CRM security settings, and responsible data handling practices.
No method of transmission or storage is completely secure. We cannot guarantee absolute security of information submitted online.
We retain personal information for as long as reasonably necessary to:
Respond to your request
Provide services
Maintain business records
Comply with legal, regulatory, carrier, licensing, tax, or compliance obligations
Resolve disputes
Enforce agreements
Improve business operations
When information is no longer needed, we may delete, anonymize, or securely retain it according to our business and legal requirements.
You may choose not to provide certain information, but this may limit our ability to respond to your inquiry, provide quotes, prepare illustrations, evaluate options, or assist with insurance-related services.
You may also:
Request to update or correct your contact information
Opt out of marketing emails
Opt out of marketing text messages
Request that we stop contacting you for marketing purposes
Request information about how your data is used, subject to applicable law
To make a request, contact us at:
Email: info@riveroflifeinsurance.com
This section applies to California residents to the extent required by applicable California privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act, commonly referred to as the CCPA/CPRA.
Depending on our business size, data practices, and legal obligations, River of Life Insurance may or may not be considered a “business” subject to all CCPA/CPRA requirements. However, we provide the following notice to be transparent about our data practices.
We may collect the following categories of personal information:
Identifiers, such as name, email address, phone number, mailing address, IP address, or online identifiers
Customer records information, such as contact details, insurance inquiry details, or information submitted through forms
Commercial information, such as products or services requested, considered, or discussed
Internet or network activity, such as website usage, page views, cookies, and analytics data
Geolocation information, such as general location inferred from IP address
Professional or employment-related information, if voluntarily provided for insurance or recruiting purposes
Sensitive personal information, such as health-related information, financial information, or other information voluntarily provided for insurance planning, quoting, or application purposes
Inferences drawn from information you provide, such as insurance needs, planning goals, or service interests
We may collect information from:
You directly
Website forms
Phone, email, text, or appointment communications
Analytics, cookies, advertising tools, and similar technologies
Insurance carriers, agencies, CRMs, or service providers
Publicly available or business-related sources, when relevant to your inquiry
We may collect and use personal information for the purposes described in this Privacy Policy, including responding to requests, providing insurance-related services, communicating with you, improving our website, marketing our services, complying with legal obligations, and preventing misuse or fraud.
We may disclose personal information to the categories of third parties listed in the “How We Share Information” section of this Privacy Policy.
We do not sell your personal information in exchange for money.
Some analytics or advertising technologies may be considered “sharing” under California law if they involve cross-context behavioral advertising. You may contact us to request information about our practices or to opt out where applicable.
We only use sensitive personal information for purposes reasonably related to providing requested services, insurance planning, application support, compliance, security, or other lawful purposes. We do not use sensitive personal information to infer characteristics unrelated to the services you request.
Subject to applicable law, California residents may have the right to:
Know what personal information we collect, use, disclose, sell, or share
Request access to personal information
Request correction of inaccurate personal information
Request deletion of personal information
Opt out of the sale or sharing of personal information
Limit certain uses of sensitive personal information
Not be discriminated against for exercising privacy rights
To submit a California privacy request, contact us at:
Email: info@riveroflifeinsurance.com
We may need to verify your identity before fulfilling certain requests.
Our website and services are intended for adults. We do not knowingly collect personal information from children under 13.
If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete that information.
Our website may contain links to third-party websites, carriers, scheduling tools, payment processors, social media platforms, or other resources.
We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.
Submitting information through this website does not guarantee insurance coverage, policy approval, pricing, eligibility, underwriting results, or product availability.
Insurance products, rates, underwriting, benefits, guarantees, and terms are determined by the issuing insurance carrier and may vary based on age, health, state, product type, underwriting guidelines, and other factors.
We may update this Privacy Policy from time to time. When we make changes, we will update the effective date at the top of this page.
Your continued use of the website after changes are posted means you accept the updated Privacy Policy.
If you have questions about this Privacy Policy or how your information is handled, please contact us:
River of Life Insurance
Website: riveroflifeinsurance.com
Email: info@riveroflifeinsurance.com
