1. Information we collect
Depending on how the service is used, InsureAhead may collect account information such as name, email address, account type, authentication information, and profile details.
Agent Profile information may include licensing categories, licensed states, securities registrations, company or firm information, carrier appointments, NPN, public profile photo, About Me text, working style, specialties, contact methods, languages, experience, availability settings, and activity timestamps used internally for matching eligibility.
Client case information may include contact information, date of birth, marital and household information, dependents, income, housing, debts, savings, retirement assets, insurance and annuity information, goals, budget, beneficiaries, replacement concerns, limited tax-status questions, and underwriting pre-screen information such as height, weight, nicotine use, medical-condition selections, medications, recent hospitalizations or surgeries, hazardous activities, driving history, and travel history.
When a Client and authorized insurance professional proceed to a real carrier quote or insurance application, additional information required by the applicable carrier or authorized technology provider may be collected or transmitted through the secure quoting or application workflow. That information can include information beyond the planning questionnaire when required for underwriting, identity verification, application completion, payment, or carrier processing.
Agents may also import information about clients they already work with when authorized to collect and use that information. Imported existing-client records are treated as Agent-side client records unless and until the Client separately creates or connects a Client account through an authorized process.
Ordinary InsureAhead questionnaire, message, and free-text fields are not designed for full Social Security or taxpayer identification numbers, bank account or routing numbers, payment card numbers, passwords, or full payment-account details. Information specifically requested by a secure carrier or authorized application workflow should be entered only through that designated workflow.
2. How information is used
Information is used to authenticate users, organize and link cases, save questionnaire progress, calculate visible needs, identify missing information, support product and licensing screens, compare premium and benefit scenarios, request and display real carrier-derived quotes where available, support application-readiness and application-submission workflows, provide client-facing summaries, protect accounts, troubleshoot problems, prevent misuse, improve the service, operate Find an Agent matching, and maintain authorized historical case relationships.
For Find an Agent, InsureAhead may use client state, requested guidance level, preferred contact method, policy interests, and other non-sensitive compatibility signals together with Agent profile, licensing, availability, and activity information to determine which professionals may be shown. Matching may also rotate recent exposure so the same eligible Agents are not repeatedly prioritized when other appropriate matches are available.
3. Find an Agent matching and case disclosure
Before a Client chooses an Agent, participating Agents may be evaluated by the matching system, but the Client's full questionnaire, medical information, financial information, beneficiary information, and other case details are not intended to be disclosed to every Agent shown in the match results.
The Client sees public-facing Agent profile information and chooses the professional they want to work with. After selection, the chosen Agent may receive access to the Client case and limited lead information needed to acknowledge the match. If that Agent becomes unavailable, declines, or does not respond within the applicable window, the Client may be offered refreshed Agent options without being told unnecessary internal details about why a particular Agent is no longer available.
Agent activity timestamps are used behind the scenes for availability and matching controls. InsureAhead does not intend to display an Agent's precise last-active timestamp to Clients.
See the Find an Agent & Matching Disclosure.
4. Agent and Client access
Agent and Client accounts have separate access paths. Database authorization and Row Level Security are used to restrict records by user and case ownership. Client portal access requires a linked case or an authorized self-service case.
Client-facing case data is returned through scoped database functions that expose only fields intended for Client use. Internal Agent-only notes are not intended to be part of the Client portal response.
If an Agent account is later deleted, historical Agent identity or contact information that belongs with an authorized case or policy record may remain available to the Client as a historical snapshot. A historical snapshot is not a live Agent profile and does not imply that the Agent remains active on InsureAhead. NPN information is not intended to be included in that Client-facing historical snapshot.
5. Automated and AI-assisted features
InsureAhead may use deterministic rules, automation, or AI-assisted features to summarize information, explain concepts, organize workflows, identify follow-up questions, or rank eligible matching results. Automated output is decision support and may require human review.
Sensitive client information should not be sent to an AI provider unless that provider and use case have been approved for the intended information and appropriate contractual, privacy, and security safeguards are in place. See the AI & Automated Tools Disclosure.
6. Service providers, carrier systems, and disclosures
InsureAhead uses service providers for functions such as hosting, authentication, database storage, email, deployment, security, and support. Additional providers may be used for monitoring, analytics, insurance quoting, carrier connectivity, illustrations, e-applications, underwriting-related workflows, or transactional notifications.
When a user requests a carrier quote, illustration, application, or related transaction workflow, relevant information may be disclosed to and received from the selected carrier, distributor, or authorized technology provider as reasonably necessary to perform that request. This may include transmitting application information for actual carrier processing and receiving carrier-derived quote data, application status or reference information, underwriting requests, or other transaction responses where supported.
Third-party carriers and providers may process information under their own privacy notices, contracts, legal obligations, and security practices. InsureAhead does not control every downstream carrier or provider practice.
7. Security
InsureAhead uses authenticated access, database Row Level Security, scoped database functions, least-privilege function permissions, and server-side access checks for protected workflows. Technical controls reduce risk, but no system can guarantee absolute security.
Users are responsible for protecting credentials and for not placing prohibited high-risk information into fields that are not designed to store it.
8. Sale, sharing, targeted advertising, and lead compensation
InsureAhead does not currently sell Agent or Client personal information for money and is not intentionally configured to share personal information for cross-context behavioral advertising.
Find an Agent matching may function as a lead-generation service by connecting a Client who requests assistance with an eligible participating Agent. If InsureAhead later charges Agents for leads, accepts referral compensation, sponsored placement, paid prioritization, or other consideration that could affect presentation or ranking, applicable disclosures will be updated and paid influence will be identified where required.
If sale, sharing, or targeted-advertising practices change, InsureAhead will provide any consent, notice, or opt-out controls required by applicable law. Privacy opt-out information is available at Do Not Sell or Share My Personal Information.
9. Cookies and browser storage
InsureAhead uses strictly necessary authentication and session technologies and may use browser storage required for application functionality. More information is available in the Cookie Policy.
10. Retention, deletion, and recreated accounts
Information is retained for as long as reasonably necessary to provide the service, maintain authorized case records, preserve matching and lead-history needed for fairness, security, and dispute resolution, support insurance transaction records and carrier-submission history where applicable, satisfy legitimate operational or compliance needs, protect the service, and meet legal obligations. Retention may differ by data type and by obligations applicable to an Agent, firm, carrier, provider, or transaction.
Deleting an InsureAhead account removes that login and its active account connections but does not necessarily erase every case, transaction, security, compliance, carrier-submission, or insurance record that may lawfully need to be retained. Account deletion does not itself cancel or alter an insurance policy or withdraw an application already submitted to a carrier.
A deleted email address may later be used to create a brand-new InsureAhead account. The new account must complete normal email confirmation and onboarding and does not automatically regain access to the prior account's cases, questionnaires, invitations, Agent relationships, Client Portal connections, or settings. See Account Deletion & Data Continuity.
11. Privacy rights and requests
Depending on applicable law, users may have rights to request access, correction, deletion, portability, information about disclosures, or opt-out of certain sale, sharing, targeted-advertising, or profiling activity. Some rights may not apply in every jurisdiction or to every type of information.
Requests can be submitted through the Contact page. We may need to verify identity for certain requests. Requests may be limited where retention or processing is required or permitted by law, regulation, contractual obligations, fraud or security needs, insurance-recordkeeping requirements, or carrier transaction obligations.
Where required by law, InsureAhead will honor recognized universal opt-out preference signals that can reasonably be associated with the applicable user, browser, device, or jurisdiction.
12. Children and dependent information
InsureAhead accounts are intended for adults. A case may include limited information about a dependent or minor when relevant to insurance planning, such as name, relationship, date of birth, dependency period, or beneficiary status. The service is not intended for children to independently create or manage accounts.
13. Transactional emails
InsureAhead may send transactional emails about meaningful account, matching, portal, import, quote, application, or case-relationship events. Those emails are intended to use a consistent InsureAhead design and avoid including protected financial, medical, beneficiary, or application details that should remain behind authenticated access.
14. Changes and contact
This Policy may be updated as features, providers, legal requirements, or data practices change. The effective date will be updated for material revisions. Privacy questions or requests can be submitted through the Contact page.