Privacy Policy

Effective date: November 3, 2026

1. Who We Are

IUL Wealth Direct ("IUL Wealth Direct," "we," "us," or "our") operates the website at iulwealthdirect.com. We are an independent insurance marketing and referral service that connects consumers with licensed insurance agents. We are not an insurer, an agency of record, or a financial advisor.

This Privacy Policy describes how we collect, use, share, and protect personal information that you provide when you use our website and submit a quote request, and explains your rights with respect to that information.

2. Information We Collect

Information You Submit

When you complete our quote request form, we collect the information you provide directly, which may include:

• Age band
• Your primary goal, whether you contribute to a 401(k) or IRA, and the amount you could set aside monthly
• ZIP code and state of residence
• First and last name
• Phone number (mobile or landline)
• Email address

Device and Usage Information

When you visit our site, we and our analytics and advertising partners automatically collect certain technical information, which may include:

• IP address and approximate geographic location derived from it
• Browser type, operating system, and device identifiers
• Pages visited, time spent on pages, and clickstream data
• Referring URL and search terms used to find our site
• Funnel step progression and form interaction events

Cookies and Similar Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to operate the site, measure performance, and serve advertising. This includes the Meta Pixel and Meta Conversions API, which may set cookies on your device and report conversion events to Meta (Facebook). You can manage cookie preferences through your browser settings or adjust your ad preferences in your Facebook or Instagram account settings.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Connect you with a licensed insurance agent: To share your information with the licensed insurance agent assigned to your request so they may contact you about IUL / life insurance options and provide actual quotes.
• Calls and texts you agreed to: Consistent with the consent you give on our form, IUL Wealth Direct and its licensed insurance agents may contact you by calls and texts (including messages sent using automated technology or an artificial/prerecorded voice) about IUL / life insurance options. Consent is not a condition of purchase. You may revoke consent at any time by replying STOP to any text or contacting us at [email protected].
• Analytics and improvement: To understand how visitors use our site, measure advertising performance, improve our funnel, and optimize user experience.
• Legal and compliance: To comply with applicable laws, respond to lawful requests, enforce our Terms and Conditions, and protect the rights, property, or safety of IUL Wealth Direct, our users, or others.

4. How We Share Your Information

We may share your personal information with the following categories of recipients:

• Licensed insurance agents: We share your quote request information with the licensed insurance agent assigned to your request, who may contact you within the scope of the consent you gave to provide actual insurance quotes and discuss your IUL / life insurance options. This is the core service we provide.
• Service providers: We use third-party vendors to help operate our website, store data, send communications, and analyze usage (including database hosting, email delivery, and analytics platforms). These providers process your information on our behalf subject to confidentiality obligations.
• Advertising partners: We share limited data (such as conversion events) with advertising platforms including Meta to measure campaign performance and deliver relevant ads. This may involve use of cookies and identifiers as described in Section 2.
• Business transfers: If IUL Wealth Direct is involved in a merger, acquisition, asset sale, or similar transaction, your information may be transferred as part of that transaction.
• Legal requirements: We may disclose information if required by law, regulation, legal process, or governmental request, or to protect our rights or the safety of our users.

Sharing your personal information with licensed insurance agents and advertising platforms as described above may constitute a "sale" or "share" of personal information under certain state privacy laws, including the California Consumer Privacy Act (CCPA). Please see Section 7 below for your opt-out rights.

5. TCPA Consent and Communications

By checking the consent box and clicking “Send Code” on our quote request form, you expressly consent to receive marketing calls and texts from IUL Wealth Direct and its licensed insurance agents about IUL / life insurance options at the number you provide. This consent covers:

• Autodialed and pre-recorded calls to the phone number you provide
• Automated text (SMS/MMS) messages to the phone number you provide

Consent is not a condition of purchasing any insurance product or receiving any coverage. Message and data rates may apply. Message frequency varies. You may revoke your consent at any time by replying STOP to any text message or by contacting us at [email protected].

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Quote request data is typically retained for up to 24 months following submission. Analytics data may be retained in aggregate or anonymized form for longer periods. When we no longer have a legitimate business need to retain your personal information, we will delete or anonymize it.

7. Do Not Sell or Share My Personal Information

Depending on your state of residence, you may have additional rights under applicable state privacy laws, including:

• California (CCPA/CPRA): Right to know what personal information we have collected and how we use and share it; right to delete your personal information (subject to certain exceptions); right to correct inaccurate information; right to opt out of sale/sharing; right to limit use of sensitive personal information; right to non-discrimination for exercising your rights.
• Other states: Residents of Colorado, Connecticut, Virginia, Texas, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and opt out of certain processing of their personal information.

To submit a privacy rights request, email [email protected] and include your full name, state of residence, and a description of your request. We will respond within the timeframe required by applicable law (typically 45–60 days). We may need to verify your identity before processing your request.

Note that when you submit a quote request form, we share your information with the licensed insurance agent assigned to your request, who receives it as an independent data controller. To exercise rights regarding information that agent holds, you should contact them directly.

8. Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encrypted data transmission (HTTPS), access controls, and vendor security requirements.

However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee the absolute security of your information, and we encourage you to be cautious about the information you share online.

9. Children's Privacy

Our website is not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a child under 18, please contact us at [email protected] and we will promptly delete it.

10. Third-Party Links

Our website may contain links to third-party websites or services, including insurance carrier and partner sites. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any site you visit through our links, as we have no control over their privacy practices.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Effective date" at the top of this page. Your continued use of our website after any update constitutes acceptance of the revised policy. We encourage you to review this page periodically.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

IUL Wealth Direct
Email: [email protected]