Privacy And Policy
We at Final Expense Insurance understand the importance of privacy and the protection of personal information. We are committed to ensuring the confidentiality and security of any personal data that is collected through our website. We recognize that the privacy of your personal information is of utmost importance, and we take our responsibility to protect it very seriously.
This privacy policy outlines how we collect, use, and protect the information that is provided to us through our website. By visiting and using our website, you acknowledge and agree to the practices outlined in this privacy policy.
We encourage you to read this privacy policy carefully and contact us if you have any questions or concerns regarding our practices.
Information Collection and Use:
When you visit our website and fill out a form requesting information about our life insurance services, we collect personal information such as your name, email address, phone number, and other relevant details. This information is necessary to contact you and provide you with the information you requested.
We will not spam your information all over the internet and will only use it for our life insurance agents. We also respect your privacy and will not sell, rent, or share your personal information with any third party without your express consent.
Your information will be used to contact you shortly. We may use your personal information to send you promotional materials, updates, or other relevant information about our services. If you do not wish to receive these communications, you can opt out at any time.
We use the information we collect in various ways, including to:
Provide, operate, and maintain our website
Understand and analyze how you use our website
Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
Send you emails
Find and prevent fraud
Consent to Opt-In:
By submitting your personal information to us, such as your name, phone number, email address, and other relevant data, you are consenting to opt-in to Independent Life Insurance Brokers across the USA and following agents/agencies from our automation SMS messages, phone calls and all other forms of contact in order to close out your program request. Our individual agents will reach out to you from their individual cell phones, CRM systems, and whatever back-office integration we choose.
Please note that we are not a legitimate entity, but rather a conceptual representation of independent life insurance brokers that are dispatching your information to all agents we work with. Our goal is to make sure we get these agents correct data so they can help you protect your family.
However, we assure you that we will not spam your information all over the internet, and we will only use it for our life insurance agents' use. By providing your information to us, you consent to opt-in to Independent Life Insurance Brokers across the USA and following agents/agencies from our automation SMS messages, phone calls, and all other forms of contact in order to close out your program request.
We will always respect your privacy and will only use your personal information in the ways we describe in this Privacy Policy
Security of Personal Information:
We take appropriate measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. We use encryption technologies, firewalls, and other security measures to protect your personal information.
However, please note that no security system can be guaranteed to be 100% secure. We cannot guarantee the security of your personal information and we are not responsible for any unauthorized access or use of your personal information.
Cookies and Tracking Technologies:
We use cookies and other tracking technologies to enhance your experience on our website and to collect information about how you use our website. Cookies are small data files that are placed on your device when you visit our website. These cookies help us to remember your preferences and to track your use of our website.
We use both session cookies, which expire when you close your browser, and persistent cookies, which remain on your device until they expire or are deleted. We also use third-party analytics tools, such as Google Analytics, to help us analyze how our website is being used and to improve our website and services.
You can control the use of cookies and tracking technologies through your browser settings. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. However, please note that if you choose to decline cookies, you may not be able to use all of the features of our website.
Third Party Privacy Policies
Final Expense Insurance does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt out of certain options.
You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.
Log Files:
Like many websites, we use log files to collect certain information about visitors to our site. The information in these log files includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, date/time stamp, and clickstream data.
We use this information to analyze trends, administer the site, track users' movements around the site, and gather demographic information about our user base as a whole. This information is not linked to any personally identifiable information and is used solely for these purposes.
We may also use third-party services such as Google Analytics to collect, monitor, and analyze this type of information in order to increase our website's functionality. These third-party service providers have their own privacy policies addressing how they use such information.
We do not link the information gathered by log files to any personal information, nor do we use this information to identify individual users or to match it with any other information we hold about them.
If you have any questions about our use of log files, please contact us at [insert contact information].
Changes to This Privacy Policy:
We may update this Privacy Policy from time to time in response to changes in our business or applicable laws and regulations. If we make any material changes to this Privacy Policy, we will notify you by email or by posting a notice on our website prior to the effective date of the changes. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal information.
Contact Us:
If you have any questions or concerns about this Privacy Policy, please contact us at [insert contact information]. We are committed to protecting your privacy and will work to address any concerns you may have.
Privacy And Policy
Your privacy is important to us. Learn how we protect your personal information. Last Updated: April 7, 2026 This Privacy Policy applies to Local Burial Program Veterans Life Insurance and our Veterans Life Insurance offerings.
1. Introduction
Local Burial Program ("we," "us," "our," or "Company") operates a digital platform that helps individuals and families explore final expense and burial insurance options designed to ease the financial burden of end-of-life expenses. We are not an insurance company, insurance agency, or underwriter. We connect individuals and their families with licensed insurance agents, agencies, and carriers who may offer final expense life insurance products and related services. By accessing our website or submitting your information to us, you agree to the collection, use, and disclosure of your personal information as described in this Privacy Policy.
Notice at Collection
The categories of personal information we collect are listed in Section 2. How we use that information is described in Section 4. Whether any of it is disclosed in a manner that may be considered a "sale," "share," or use for "targeted advertising" under state privacy laws is addressed in Section 8. Our retention practices are described in Section 14.
Our Commitment to Privacy
We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.
2. Information We Collect
Categories of Information We Collect (Summary)
2.1 Information You Provide Directly
We collect information that you voluntarily provide when:
• Requesting coverage information: your name, email address, phone number, state of residence, age, and general health information
• Filling out eligibility questionnaires: answers to health and personal questions relevant to final expense life insurance
• Providing beneficiary information: the name and relationship of one or more people you wish to designate as a beneficiary
• Contacting us: any information included in your messages, inquiries, or requests
• Creating an account: username, password, and profile information
• Subscribing to communications: your email address for newsletters or informational content about final expense and burial planning
2.2 Information Collected Automatically
When you visit our website, we automatically collect:
• Device information: device type, operating system, browser type and version
• Usage data: pages visited, time spent on each page, links clicked, referral sources
• IP address and approximate geographic location
• Cookies and similar tracking technologies (see Section 10)
2.3 Beneficiary Information
Because final expense insurance is designed to provide funds to a beneficiary after your passing, you may choose to provide the name and relationship of one or more people you wish to designate. We use this information solely to facilitate your insurance application and connect you with an appropriate carrier. We are not responsible for beneficiary designations made directly with your insurance carrier after a policy is issued.
2.4 Sensitive Personal Information
Some information you provide — including health information and other protected classifications — may be treated as "sensitive personal information" under certain state privacy laws. We use and disclose sensitive personal information only as necessary to provide the services you requested, evaluate your insurance eligibility, comply with legal obligations, and for other purposes permitted by law. We do not use sensitive personal information to infer characteristics about you for purposes unrelated to the services you requested.
3. Sources of Your Information
We collect information directly from you and automatically through your use of our website. We may also receive information about you from:
• Licensed insurance agents and agencies
• Insurance carriers
• Marketing and lead generation partners
• Analytics and advertising providers
• Identity verification and fraud prevention providers
• Publicly available sources, for verification purposes
4. How We Use Your Information
We use the information we collect for the following purposes:
4.1 Service Delivery
• Processing your requests for final expense and burial insurance quotes and information
• Connecting you with appropriate insurance carriers and agents
• Assessing your eligibility for coverage
• Responding to your inquiries and customer support requests
4.2 Communication
• Sending quotes, coverage updates, insurance information, and related communications
• Contacting you by phone, email, or SMS, including by automated technology where permitted by law
• Notifying you of changes to our policies or services
• Sending educational materials and marketing communications, with your consent
4.3 Business Operations
•Improving our website, products, and services
• Analyzing usage patterns and trends
• Preventing fraud and protecting against security threats
• Complying with legal and regulatory obligations
4.4 Marketing & Personalization
• Creating targeted advertising campaigns related to final expense and burial planning
• Personalizing your experience on our platform
• Delivering content relevant to end-of-life planning needs
4.5 Aggregated and De-Identified Information
We may create aggregated, anonymized, or de-identified information that cannot reasonably identify you, and use it for analytics, research, and other lawful business purposes.
5. How We Share Your Information
5.1 Categories of Parties We Share With
• Licensed insurance agents and agencies
• Insurance carriers
• Service providers that assist with hosting, analytics, customer support, communications, and website operations
• Advertising and marketing partners
• Legal, regulatory, or governmental authorities, when required by law
• A successor entity in the event of a merger, acquisition, asset sale, or business transfer
5.2 Insurance Quote Requests and Lead Distribution
When you submit information through our website, advertisements, forms, surveys, or quote requests, you authorize us to share it with licensed insurance agents, agencies, carriers, marketing partners, lead distribution partners, and service providers for purposes related to insurance products, quotes, and related services. Information shared may include your contact information, demographic information, beneficiary information, and any insurance-related information you voluntarily provided.
5.3 We Do Not Sell Information for Others’ Independent Marketing
We do not sell your personal information to third parties so they can market to you independently of the purpose for which you submitted it. Depending on your state of residence, certain advertising and analytics practices described in Section 10 may still be considered a "sale," "share," or use for "targeted advertising" under applicable state law. See Section 8 for details and your opt-out rights.
6. Express Consent to Be Contacted
By submitting your information through our website, forms, advertisements, surveys, or quote requests, you expressly consent to being contacted by Local Burial Program, our marketing partners, and the licensed insurance agents, agencies, and carriers to whom your information is provided, regarding insurance products and related offers. This consent permits contact by telephone (including calls placed using automatic telephone dialing systems or artificial or prerecorded voice messages, where permitted by law), SMS text message, and email — even if your phone number is listed on a state or federal Do Not Call registry.
Consent to receive these communications is never a condition of purchasing any insurance product or service, and you may revoke your consent at any time using the methods described in Section 9.
Telephone calls with our representatives, agents, carriers, or service providers may be monitored or recorded for quality assurance, training, compliance, and fraud-prevention purposes. By clicking "Submit" or otherwise submitting information through our website, you acknowledge that you have reviewed and agree to this Privacy Policy and our Terms and Conditions.
7. Beneficiary & Final Expense Planning Information
7.1 Beneficiary Information You Provide
Information voluntarily submitted by users may include the name and relationship of one or more designated beneficiaries, along with other information relevant to determining final expense insurance eligibility and structuring coverage.
7.2 Protection of Beneficiary Information
Beneficiary information is protected using reasonable administrative, technical, and physical safeguards designed to prevent unauthorized access, disclosure, misuse, alteration, or destruction. Access is limited to authorized personnel, approved service providers, licensed insurance professionals, and business partners with a legitimate business purpose.
7.3 Final Expense Planning Use
We use your beneficiary and final expense planning information solely to evaluate insurance options, structure appropriate coverage, and provide requested information and services. We do not use this information for any purpose unrelated to the insurance services you requested.
8. Selling, Sharing, and Targeted Advertising Disclosure
Residents of California, Colorado, Connecticut, Virginia, Texas, Oregon, Montana, Delaware, Nebraska, New Hampshire, New Jersey, Iowa, Utah, and other states with applicable privacy laws may have rights regarding whether we "sell" or "share" personal information, or use it for "targeted advertising," as those terms are defined under their state’s law.
In connection with the advertising and analytics technologies described in Section 10 (such as cookies, pixels, and similar tools), we may share the following categories of personal information with advertising and analytics partners in a manner that may be considered a "sale," "share," or "targeted advertising" under applicable state law:
• Identifiers, such as your name, email address, and IP address
• Internet and electronic network activity information
• Geolocation data
• Inferences drawn from the information above
We do not sell or share the personal information of individuals we know to be under 18, and we do not use personal information to profile individuals in a way that produces a legal or similarly significant effect.
You have the right to opt out of this sale, sharing, or targeted advertising. See Section 9.4.
9. Your Privacy Rights
Depending on your state of residence — including California, Colorado, Connecticut, Virginia, Texas, Oregon, Montana, Delaware, Nebraska, New Hampshire, New Jersey, Iowa, and Utah — you may have some or all of the following rights regarding your personal information.
9.1 Right to Know / Access
You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, and the categories of third parties with whom it has been shared.
9.2 Right to Correct
You may request that we correct inaccurate personal information we maintain about you.
9.4 Right to Opt Out of Sale, Sharing, or Targeted Advertising
You may opt out by emailing admin@agentleadlab.com with the subject line "Do Not Sell or Share My Information," or by using the cookie and ad-preference controls described in Section 10. Where required by applicable law, we will also honor recognized universal opt-out preference signals (such as the Global Privacy Control) for targeted advertising and sale/sharing activities.
9.5 Right to Non-Discrimination
We will not deny you services, charge you a different price, or provide a different level of service because you exercised any privacy right described in this section.
9.6 Marketing Communications Opt-Out
You may opt out of marketing emails using the unsubscribe link included in any message, or by contacting us directly at admin@agentleadlab.com.
9.7 SMS Opt-Out
Reply STOP to any text message to opt out of SMS communications. For assistance, contact admin@agentleadlab.com.
9.8 Do Not Call Requests
Email admin@agentleadlab.com with your full name, phone number, and email address to be placed on our internal Do Not Call list.
9.9 How We Verify and Respond to Requests
To protect your information, we will ask you to verify your identity before processing a request to know, correct, or delete personal information, typically by confirming at least two identifying details you have previously provided to us. You may designate an authorized agent to submit a request on your behalf; we may require written proof of that authorization. We will acknowledge requests within 10 business days and aim to respond substantively within 45 days, with one 45-day extension where reasonably necessary — we will notify you if an extension applies.
9.10 Appeals
If we decline to take action on your privacy rights request, you may appeal our decision by contacting admin@agentleadlab.com and referencing your original request. We will review the appeal and respond within the time required by applicable law.
9.11 Do Not Track
Because no common industry standard exists for responding to "Do Not Track" browser signals, we do not currently respond to them.
10. Cookies, Tracking Technologies & Online Advertising
10.1 What Are Cookies?
Cookies are small data files stored on your device that help websites remember information about your visit and improve your user experience.
10.2 Types of Cookies We Use
• Essential cookies
• Functional cookies
• Analytics cookies
• Advertising, remarketing, and retargeting cookies
10.3 Advertising & Analytics Technologies
We may use technologies and service providers including:
• Google Analytics, Google Ads, and Google Tag Manager
• Meta Pixel
• YouTube Advertising
• Other analytics, attribution, and advertising platforms
10.4 Managing Your Preferences
Most browsers let you block or delete cookies through their settings. You may also opt out of interest-based advertising from participating companies through the Network Advertising Initiative (optout.networkadvertising.org) and the Digital Advertising Alliance (optout.aboutads.info). Opting out will not stop all advertising, but it should reduce how tailored the ads you see are. Disabling cookies entirely may affect website functionality.
11. Data Security
11.1 Security Measures
• SSL/TLS encryption for data transmission
• Secure password requirements and storage
• Regular security audits and assessments
• Limited employee access to personal data
• Firewalls and intrusion detection systems
• Enhanced security for sensitive beneficiary and health information
11.2 Limitations
No method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of your information. You acknowledge the inherent security risks of transmitting information online and use our services at your own risk.
12. Children’s Privacy
Our website and services are intended for adults and are not directed to, or designed to attract, individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal information, please contact us at admin@agentleadlab.com so we can investigate and delete it as appropriate.
13. Third-Party Links & Services
13.1 External Links
Our website may link to third-party websites, including insurance carrier sites and partner sites. This Privacy Policy applies only to Local Burial Program. We are not responsible for the privacy practices of external sites and encourage you to review their policies before sharing information.
13.2 Social Media
Social media platforms have their own privacy policies, and information you share there may be publicly visible.
13.3 Third-Party Integrations
We may integrate with third-party services for analytics, advertising, and insurance processing. These services are bound by their own privacy terms and may collect information about you independently.
14. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer period is required by law. Typically:
• Quote and lead information: retained as long as reasonably necessary for business, legal, regulatory, compliance, TCPA documentation, marketing, fraud-prevention, and recordkeeping purposes, which may exceed 24 months where permitted by law
• Account information: while your account is active, plus a reasonable period afterward
• Marketing communications records: until you unsubscribe
• Beneficiary and health data: as required by insurance regulations and compliance requirements
• Legal and compliance records: as required by applicable law
When information is no longer needed, we securely delete or anonymize it.
15. Contact Us
Local Burial Program
Email: admin@agentleadlab.com
Website:https://localburialprogram.com
General inquiries: we aim to respond within 30 business days. Requests to know, correct, delete, or opt out under Section 9 follow the timelines described in Section 9.9.
15.1 Dispute Resolution
If you believe we have violated your privacy rights, please contact us first so we can work to resolve your concern. If we are unable to resolve it, you may file a complaint with the relevant regulatory authority in your jurisdiction.
16. Important Information About Our Role
Local Burial Program is not an insurance company, insurance agency, or insurance carrier. We connect individuals and their families with licensed insurance carriers and agents who provide final expense life insurance coverage designed to help cover funeral, burial, and other end-of-life expenses. The actual insurance products are underwritten and provided by licensed insurance companies. By using our services, you acknowledge our role as a connection platform and agree to this Privacy Policy.
17. Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable laws. We will note material changes by updating the "Last Updated" date above. Your continued use of our services after such updates constitutes your acceptance of the revised Privacy Policy.