1. Who We Are
Keystone Coverage Solutions ("Keystone," "we," "us," or "our") operates this website to connect individuals interested in final expense life insurance with independent, licensed insurance agents. Keystone is a lead generation service and is not an insurance company, agency, or licensed producer, and does not sell insurance policies directly.
2. Information We Collect
When you submit our form, we collect the information you provide, which may include:
- Full name
- Age or date of birth
- Phone number and email address
- State of residence
- Desired coverage amount and tobacco use (optional)
- Preferred time of contact
- The exact consent language displayed to you, the timestamp of your submission, and your IP address (recorded automatically for compliance recordkeeping)
We may also collect limited technical information automatically, such as browser type, device type, and referring webpage, through cookies and similar tracking technologies (see Section 5).
3. How We Use Your Information
- To match you with one or more licensed insurance agents who may contact you about final expense/life insurance options
- To maintain records of your consent as required by the Telephone Consumer Protection Act (TCPA) and similar laws
- To operate, improve, and measure the performance of our advertising and website
- To comply with legal obligations and enforce our Terms of Service
4. How We Share Your Information
We share the information you submit with one or more independently licensed insurance agents or agencies who purchase leads from us, so they may contact you regarding insurance products. We may also share information with service providers who help us operate our business (such as hosting, CRM, and analytics providers), who are only permitted to use it to perform services on our behalf.
We do not sell your information to data brokers or to any party outside the insurance-agent matching purpose described above.
5. Cookies & Tracking Technologies
We may use cookies, pixels (such as the Meta/Facebook advertising pixel), and similar technologies to measure ad performance and understand how visitors use our site. You can control cookies through your browser settings.
6. Your Choices & Rights
- Opt out of contact: Reply STOP to any text message, or email privacy@keystonecoveragesolutions.com to revoke your consent to be contacted.
- Access or deletion requests: You may request a copy of, or the deletion of, the information we hold about you by contacting us at the email above.
- California residents: You have the right to know what personal information we collect and share, and to opt out of the "sale" or "sharing" of your personal information as those terms are defined under California law. We treat sharing your information with insurance agent buyers as a "sale/share" for this purpose — contact us to opt out.
- Other states: Residents of certain states may have additional privacy rights (such as access, correction, deletion, and appeal rights) under applicable state law. Contact us to make a request.
7. Data Retention
We retain your information for as long as needed to fulfill the purposes described in this policy, including maintaining TCPA consent records, and as required by law.
8. Data Security
We use reasonable administrative and technical safeguards to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Children's Privacy
Our services are intended for individuals age 50 and older and are not directed at children. We do not knowingly collect information from anyone under 18.
10. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date above reflects the most recent revision.
11. Contact Us
Questions about this policy or your information? Contact us at privacy@keystonecoveragesolutions.com.