Privacy Policy

Last Updated: May 13th, 2025

XenoLife Insurance LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information in connection with our services as a licensed life insurance producer and our use of communication platforms such as RingCentral.

1. Information We Collect

We may collect the following types of personal information:

  • Contact Information: Name, phone number, email address, mailing address

  • Identification Details: Date of birth, Social Security number, driver’s license

  • Health & Financial Information: Relevant data needed to determine insurance eligibility and premiums

  • Communication Data: Call, voicemail, SMS, and email records (via RingCentral)

  • Website Usage Data: IP address, browser type, and activity on our site

2. How We Use Your Information

We use your information to:

  • Provide life insurance quotes and policy recommendations

  • Submit applications to insurance carriers on your behalf

  • Communicate with you via phone, text, email, or video call

  • Comply with legal, regulatory, or contractual obligations

  • Improve our services and website functionality

3. How We Share Your Information

We do not sell your personal information. Data will not be shared with third parties for marketing or promotional purposes. Mobile Opt-In, SMS consent, and phone numbers collected for SMS communication purposes will not be shared with third parties and affiliates for marketing purposes.

We may share your data with:

  • Licensed insurance carriers and underwriting partners

  • With our contracted partners, including UniTrust and InsuraTech, as needed to support the life insurance application process and case management

  • Third-party service providers (e.g., RingCentral for communication)

  • Regulatory bodies, if required by law

All third parties are required to maintain the confidentiality of your information and comply with applicable data privacy laws.

4. RingCentral Communications

We use RingCentral for phone, text, voicemail, and email communication. These communications may be recorded, transcribed, or logged as part of our business operations and for regulatory compliance. By engaging with us through RingCentral, you consent to this processing.

5. Your Privacy Rights

Depending on your jurisdiction, you may have rights under laws such as the California Consumer Privacy Act (CCPA), Gramm-Leach-Bliley Act (GLBA), or others. These may include:

  • The right to access or request deletion of your personal data

  • The right to opt out of certain data uses

  • The right to request how your data is being used or shared

To exercise these rights, please contact us at:
morgan@xenolifeinsurance.com

6. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet is 100% secure.

7. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect information from children.

8. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal data, please contact:

Morgan Kellar
XenoLife Insurance LLC
Email: morgan@xenolifeinsurance.com
Phone: (480) 347-0134

Morgan Kellar is currently awaiting final approval of state licensure to act as a licensed life insurance producer. No official insurance services will be rendered until licensure is confirmed.”