Privacy Policy
Last Updated: August 12, 2026
Premier Health and Life Insurance LLC (“Premier Health and Life Insurance,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, communicate with us, request information, or use our services.
By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.
1. Information We May Collect
We may collect personal information that you voluntarily provide when you contact us, request information, schedule an appointment, communicate with us, or inquire about insurance products or services.
Depending on your interaction with us, this information may include:
Name;
Email address;
Telephone or mobile phone number;
Mailing address;
Preferred language;
Insurance interests or the type of coverage you are seeking;
Information you provide in connection with an insurance inquiry, application, or enrollment;
Communication preferences;
Appointment information;
Messages or other communications you send to us; and
Other information you voluntarily provide.
We may also automatically collect certain technical information when you visit our website, such as your IP address, browser type, device information, referring pages, and information regarding how you interact with our website.
2. How We Use Your Information
Premier Health and Life Insurance LLC may use the information we collect to:
Respond to your questions and requests;
Provide information about insurance products and services;
Help you explore insurance coverage options;
Assist with insurance applications or enrollment when requested;
Schedule and manage appointments;
Provide customer service and support;
Communicate with you regarding your inquiry or services you have requested;
Send administrative, transactional, or service-related communications;
Send marketing or promotional communications when you have provided the appropriate consent;
Maintain and improve our website and services;
Prevent fraud, misuse, or security incidents;
Maintain business records; and
Comply with applicable legal and regulatory requirements.
3. SMS and Mobile Messaging Privacy
Premier Health and Life Insurance LLC may offer SMS/text messaging to individuals who provide their mobile number and consent to receive text messages from us.
Depending on the consent you provide, SMS communications may include responses to your inquiries, appointment confirmations and reminders, requested insurance information, application or enrollment updates, customer service communications, and marketing or promotional communications.
Mobile Information and SMS Consent
Premier Health and Life Insurance LLC does not sell, rent, or share your mobile phone number, SMS opt-in information, or SMS consent with third parties or affiliates for their own marketing or promotional purposes.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with service providers or subcontractors in support services, such as customer service and messaging infrastructure, is permitted only as necessary to provide services on our behalf. All other use categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties for their own marketing or promotional purposes.
Your consent to receive SMS marketing communications is not a condition of purchasing any goods or services.
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP to a message from us. For assistance, reply HELP or contact us using the information provided at the end of this Privacy Policy.
Additional SMS program terms are available in our Terms & Conditions.
4. How We May Share Information
We do not sell your personal information.
We may disclose personal information in limited circumstances necessary to operate our business and provide requested services, including to:
Service Providers
We may use third-party service providers that perform services on our behalf, such as website hosting, customer relationship management, communications infrastructure, email delivery, appointment scheduling, data storage, and other operational services.
These providers may access information only as reasonably necessary to perform services on our behalf and are expected to handle that information appropriately.
Insurance Carriers and Related Parties
When necessary to provide insurance services that you request, information may be provided to insurance carriers, enrollment platforms, or other entities involved in evaluating, quoting, applying for, or enrolling in insurance coverage.
The information shared will depend on the service you request and the requirements of the applicable carrier or platform.
Legal and Regulatory Requirements
We may disclose information when we reasonably believe disclosure is necessary to comply with applicable law, regulation, legal process, governmental request, or regulatory obligation, or to protect the rights, property, or safety of Premier Health and Life Insurance LLC, our clients, or others.
For clarity, mobile phone numbers, SMS opt-in information, and SMS consent are not shared with third parties or affiliates for their own marketing or promotional purposes.
5. Cookies and Website Technologies
Our website may use cookies and similar technologies to support website functionality, understand website usage, improve performance, and provide a better visitor experience.
Cookies are small files stored on your device that may help a website remember certain information about your visit.
Depending on your browser, you may be able to block or delete cookies through your browser settings. Disabling certain cookies may affect the functionality of some portions of the website.
6. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, internet transmission, electronic communication, or information storage system can be guaranteed to be completely secure. Therefore, we cannot guarantee the absolute security of information transmitted to or stored by us.
7. Data Retention
We may retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide requested services, maintain appropriate business and regulatory records, resolve disputes, enforce agreements, and comply with applicable legal obligations.
Retention periods may vary depending on the type of information and the purpose for which it was collected.
8. Your Choices and Communication Preferences
You may choose not to provide certain personal information, although doing so may limit our ability to provide certain services or respond to particular requests.
Email Communications
If you receive marketing emails from us, you may unsubscribe by following the unsubscribe instructions included in the communication, when applicable.
SMS Communications
You may opt out of SMS communications by replying STOP to a text message from Premier Health and Life Insurance LLC.
For assistance with SMS communications, reply HELP or contact us directly.
Opting out of marketing communications does not necessarily prevent us from contacting you when necessary to respond to a request you initiate or to provide communications related to services you have requested, where permitted by applicable law.
9. Third-Party Websites
Our website may contain links to websites or services operated by third parties, including insurance carriers or other service providers.
Premier Health and Life Insurance LLC is not responsible for the privacy practices, security, or content of third-party websites.
We encourage you to review the privacy policies of any third-party website or service you visit.
10. Children's Privacy
Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information directly from children under 13 through this website.
If we learn that we have collected personal information from a child under 13 without appropriate authorization, we will take reasonable steps to delete it as required by applicable law.
11. Changes to This Privacy Policy
Premier Health and Life Insurance LLC may update this Privacy Policy periodically to reflect changes in our business practices, services, technologies, or legal and regulatory requirements.
When changes are made, the revised Privacy Policy will be posted on this page and the “Last Updated” date will be updated.
We encourage you to review this Privacy Policy periodically.
12. Contact Us
If you have questions about this Privacy Policy, our privacy practices, or your personal information, please contact:
Premier Health and Life Insurance LLC
86 W Palisade Ave
Englewood, NJ 07631
Phone: +1 201-932-3794
Email: [email protected]