Privacy Policy

How Dedicated Insurance Advisors LLC collects, uses, discloses, and protects personal information

Effective date: August 17, 2026

Dedicated Insurance Advisors LLC (“Dedicated Insurance Advisors,” “DIA,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit https://www.health-life-advisors.com/, request insurance guidance, communicate with us, attend an event, apply to partner with us as an agent or agency, or otherwise interact with our services.

This Policy applies to website visitors, prospective and current clients, beneficiaries, consumers, agents, agency principals, recruits, event participants, and other individuals who interact with DIA. It does not replace a carrier’s, government program’s, enrollment platform’s, or third-party service provider’s own privacy notice.

1. Who We Are

Dedicated Insurance Advisors LLC is a privately owned insurance agency and insurance distribution organization. We provide education, licensed insurance guidance, agent and agency support, and access to insurance products that may include Medicare-related plans, health insurance, life insurance, annuities, and supplemental products, subject to licensing, appointment, product availability, and applicable law.

2. Information We May Collect

The information we collect depends on how you interact with us. We may collect the following categories of information:

2.1 Contact and identity information

• Name, mailing address, email address, telephone number, preferred language, state, county, ZIP code, and communication preferences.
• Date of birth or age-related information when reasonably necessary to discuss product eligibility or enrollment timing.

2.2 Insurance and service-request information

• Insurance interests, current coverage type, preferred agent, requested appointment details, and information needed to understand the products or assistance you request.
• Information about providers, prescriptions, household circumstances, income ranges, health-related needs, or other eligibility factors only when you voluntarily provide it and when reasonably necessary for lawful insurance assistance.
• Application, enrollment, policy, carrier, and service records received through authorized carrier, government, enrollment, or agency platforms.

2.3 Agent, agency, and recruitment information

• Licensing state, National Producer Number (NPN), lines of authority, appointment status, agency affiliation, work history, training status, production interests, referral source, and application materials.
• Tax, banking, background, identity-verification, and contracting information only when required later in the contracting process and submitted through an approved secure platform.

2.4 Communications and interaction records

• Emails, telephone calls, text messages, voicemails, form submissions, chat communications, event registrations, appointment records, and your responses to surveys or campaigns.
• Call or meeting recordings when permitted by law and after any notice or consent required by applicable law.

2.5 Website, device, and analytics information

• Internet Protocol address, browser type, device type, operating system, referring pages, pages viewed, approximate location derived from IP address, timestamps, and interactions with the website.
• Cookie identifiers, advertising identifiers, analytics information, and information collected by website hosting, analytics, advertising, security, and social-media technologies.

3. Sensitive Information and Secure Submission

Some insurance or contracting activities may eventually require sensitive personal information. General website forms, ordinary email, social media, and standard text messages are not appropriate channels for transmitting highly sensitive information.

If sensitive information is required for a lawful application, enrollment, identity-verification, contracting, tax, or payment purpose, DIA or an authorized carrier or platform will direct you to an approved secure method. DIA does not request an applicant’s Social Security number merely to begin a recruitment conversation.

4. How We Collect Information

• Directly from you when you complete a form, call, email, text, schedule an appointment, attend an event, submit an application, or communicate with an agent.
• From a person you authorize, such as a household application filer, legal representative, caregiver, agency principal, or referring professional.
• From carriers, FMOs/IMOs, enrollment platforms, government marketplaces, licensing databases, background or identity-verification providers, and business partners, as permitted by law and your authorization.
• Automatically through cookies, logs, analytics, security tools, and similar technologies when you use the website.
• From publicly available professional and licensing sources or lawfully obtained business contact information used for agent and agency outreach.

5. How We Use Information

We may use personal information for the following business and legal purposes:

• Responding to inquiries, scheduling consultations, providing requested guidance, and connecting an individual with an appropriately licensed professional.
• Comparing available insurance options, assisting with applications or enrollments after required authorization, servicing existing clients, and communicating relevant plan or policy information.
• Evaluating and processing agent or agency partnership, licensing, appointment, onboarding, training, commission, compliance, and support activities.
• Sending service communications, appointment reminders, operational notices, training notices, and requested information.
• Sending marketing communications where permitted, maintaining suppression and do-not-contact records, and honoring opt-out requests.
• Operating, securing, troubleshooting, measuring, and improving the website, forms, campaigns, services, and user experience.
• Detecting fraud, unauthorized activity, security incidents, compliance concerns, or violations of law or policy.
• Meeting carrier, CMS, Marketplace, licensing, tax, accounting, audit, recordkeeping, legal, regulatory, and contractual obligations.

6. Medicare, Marketplace, Medicaid, and Social Security Information

Medicare and Marketplace activities are subject to separate consent, marketing, enrollment, licensing, and recordkeeping requirements. A general website inquiry or permission to be contacted does not itself enroll you in coverage, change your existing coverage, authorize an enrollment transaction, or constitute a Medicare Scope of Appointment.

When legally required, DIA or the applicable licensed agent will obtain and retain separate permission-to-contact, Scope of Appointment, Marketplace consumer consent, application confirmation, carrier authorization, or other documentation before taking the regulated action.

Medicaid and Children’s Health Insurance Program eligibility and enrollment are administered by state agencies under federal requirements. DIA may provide general information or direct you to official resources, but the applicable state agency determines eligibility, enrollment, benefits, and case status.

DIA does not administer Social Security programs, determine Social Security eligibility, change Social Security benefits, or request payment to obtain a government benefit. For Social Security matters, use official SSA channels. Never send DIA your my Social Security username, password, or authentication code.

7. Calls, Text Messages, Email, and Automated Communications

If you provide a telephone number or email address, we may contact you regarding the inquiry, appointment, application, partnership request, event, or existing relationship that caused you to provide the information. Promotional communications are sent only as permitted by applicable law.

• Consent to receive marketing calls or text messages is not a condition of purchasing an insurance product, enrolling in a plan, receiving a quote, or obtaining assistance.
• Where required, consent for calls or texts using an automatic telephone dialing system, prerecorded or artificial voice, or AI-generated voice will be obtained separately and in writing.
• Message frequency may vary. Message and data rates may apply. Reply STOP to opt out of text messages and HELP for assistance, or contact us using the information below.
• You may revoke communication permission through any reasonable method. We may send a one-time confirmation of an opt-out request and may retain a suppression record to honor the request.
• Commercial emails will provide an unsubscribe method and the sender information required by applicable law.

Opting out of marketing does not prevent non-marketing communications reasonably necessary to service a request, administer an existing relationship, comply with law, or confirm an opt-out.

8. How We Disclose Information

We may disclose personal information only for legitimate business, service, compliance, or legal purposes, including to:

• Licensed agents and authorized personnel who need the information to respond to your request or service an authorized relationship.
• Insurance carriers, plan sponsors, FMOs/IMOs, general agencies, enrollment platforms, contracting platforms, and other parties involved in an authorized quote, application, enrollment, appointment, or servicing process.
• Website hosting, CRM, email, telephone, SMS, analytics, advertising, document, security, identity-verification, payment, accounting, and professional service providers acting for legitimate purposes and subject to appropriate obligations.
• CMS, Health Insurance Marketplaces, state Medicaid or CHIP agencies, state departments of insurance, licensing authorities, law enforcement, courts, regulators, auditors, or other government bodies when authorized or required.
• A successor or prospective successor in connection with a merger, acquisition, restructuring, financing, or transfer of assets, subject to applicable confidentiality and legal requirements.

DIA does not sell personal information for monetary consideration. DIA does not sell consumer health data. We do not share personal Medicare beneficiary data with another third-party marketing organization for Medicare marketing or enrollment unless the individual has provided the prior express written consent required by applicable law for the specific recipient.

9. Consumer Health Data Notice

Depending on the information you choose to provide and the law that applies where you live, insurance interests, coverage information, provider or prescription information, and related eligibility factors may be treated as consumer health data or sensitive data. DIA collects and uses such information only for the requested insurance assistance, authorized servicing, compliance, security, or other purposes described in this Policy.

• We do not use general website interactions to diagnose a health condition or provide medical treatment.
• We do not sell consumer health data or use it for unrelated profiling.
• We disclose health-related information only as described in this Policy, with authorization, or as otherwise permitted or required by law.
• You may request access, correction, or deletion where applicable, subject to legal and operational exceptions.

10. HIPAA and Health Information

DIA is an insurance agency and is not necessarily a HIPAA covered entity merely because it discusses health insurance. Certain carriers, health plans, providers, and service partners may be HIPAA covered entities, and DIA may be subject to contractual or legal safeguards when performing services involving protected health information. Where HIPAA applies to a particular record or relationship, the applicable HIPAA notice, authorization, business-associate agreement, or carrier requirements control.

11. Cookies, Analytics, and Advertising Technologies

The website and its service providers may use essential cookies, functional cookies, analytics technologies, advertising pixels, and similar tools. These technologies may help the website operate, remember preferences, measure traffic and campaign performance, prevent fraud, and deliver or evaluate advertising.

You can manage cookies through available website controls and browser settings. Blocking some technologies may affect functionality. Where applicable law requires consent or recognition of a legally valid universal opt-out signal, DIA will use reasonable measures to honor that requirement within the capabilities of its website and service providers.

12. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Policy, including to respond to requests, service clients and agents, maintain consent and suppression records, comply with carrier and regulatory recordkeeping duties, resolve disputes, prevent fraud, and enforce agreements. Retention periods vary by record type, product, carrier, jurisdiction, and legal requirement. Information may be deleted, anonymized, or archived when no longer reasonably necessary, subject to lawful exceptions.

13. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, acquisition, use, alteration, or disclosure. Safeguards may include access controls, secure platforms, encryption in transit where supported, personnel practices, vendor management, monitoring, and incident response. No website, email, telephone system, or storage method can be guaranteed completely secure.

If we determine that a security incident requires notice under applicable law, we will provide required notifications to affected individuals, regulators, or other parties within the applicable timeframes.

14. Your Privacy Rights and Choices

Depending on your residence and the law applicable to DIA, you may have the right to:

• Confirm whether we process your personal information and request access to or a portable copy of qualifying information.
• Correct inaccurate personal information.
• Request deletion of personal information, subject to legal, contractual, fraud-prevention, recordkeeping, and servicing exceptions.
• Opt out of targeted advertising, sale, or qualifying sharing of personal information where those rights apply.
• Withdraw consent for processing that depends on consent.
• Appeal a decision regarding a qualifying privacy request.
• Exercise rights without unlawful discrimination.

Submit a request using the contact information below. We may verify your identity and authority before acting. An authorized agent may submit a request when permitted by law and after providing appropriate proof of authority. If we cannot fulfill a request, we will explain the reason when required.

15. Children’s Privacy

The website is intended for adults and is not directed to children under 13. We do not knowingly collect personal information directly from a child under 13 through general website services without legally required parental authorization. An adult may provide information about a dependent when lawfully seeking family coverage or an insurance product, subject to carrier and legal requirements.

16. Third-Party Websites and Platforms

The website may link to government agencies, carriers, enrollment systems, social networks, event platforms, or other third-party services. Their privacy practices are governed by their own notices. DIA is not responsible for the privacy or security practices of a third party that it does not control.

17. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in law, technology, vendors, products, or business practices. The revised version will display a new effective date. Material changes will be communicated when required by law.

18. Contact Us

For privacy questions, communication preferences, or a request to exercise applicable privacy rights, contact:

Privacy email: office@dinsuranceadvisors.com

Telephone: (832) 342-0894

Mailing address: 738 Highway 6 S, Suite 350, Houston, Texas 77079

Website: https://www.health-life-advisors.com/