If You're Over 50, You Could Qualify For Affordable Life Insurance

Effective Date: November 20, 2025

Last Updated: November 20, 2025

1. Introduction and Legal Entity

This Privacy Policy describes how Landmark Life & Health Insurance Agency, a DBA of AmeriCare Benefits Group LLC ("we," "us," "our," or "Company"), collects, uses, discloses, and safeguards your personal information when you visit our website (getlandmarkinsurance.com), submit information through our forms, or interact with our services. We are a licensed insurance agency operating nationwide, subject to state licensing requirements. California License #4480974, NPN #22044601.

Physical Address: Newport Beach, CA

Contact: support@getlandmarkinsurance.com | 877-880-0897

2. Information We Collect

We collect the following types of information:

2.1 Information You Provide Directly

• Personal Identification Information: Name, email address, phone number, date of birth, Social Security number (for applications), mailing address
• Insurance-Related Information: Coverage preferences, health information, tobacco use, medical history, current insurance status
• Financial Information: Income, assets, payment information
• Communication Preferences: Opt-in/opt-out status for calls, texts, and emails

2.2 Information Collected Automatically

• Usage Data: IP address, browser type, device information, pages visited, time spent on pages, referring URLs
• Cookies and Tracking Technologies: Session cookies, persistent cookies, web beacons, pixels (including Meta Pixel, Google Analytics)
• Location Data: General geographic location based on IP address

3. How We Use Your Information

We use your information for the following purposes:

• Provide Services: Generate insurance quotes, compare plans, process applications, facilitate enrollment
• Communication: Contact you via phone (including automated dialing systems), text message (SMS/MMS), and email regarding insurance products, quotes, policy updates, and promotional offers
• Marketing: Send marketing communications about insurance products and services from us and our partners
• Analytics: Analyze website usage, improve user experience, optimize marketing campaigns
• Compliance: Comply with legal obligations, regulatory requirements, and industry standards
• Fraud Prevention: Detect and prevent fraudulent activity, unauthorized access, and security threats

4. TCPA Consent and Communication Practices

Express Written Consent: By submitting your information through our website, you provide your express written consent to be contacted by us, our partner insurance agencies, affiliated insurance providers, and licensed agents via:

• Telephone calls (including calls using an automatic telephone dialing system or ATDS)
• Artificial or prerecorded voice messages
• Text messages (SMS/MMS)
• Email communications

This consent applies even if your telephone number is currently listed on any corporate, state, or federal Do Not Call list. You may receive multiple contacts. Standard message and data rates may apply for text messages.

Consent Not Required for Purchase: Your consent to be contacted is not a condition of purchasing any goods or services from us.

Revocation of Consent: You may revoke your consent at any time by:

• Replying STOP to any text message
• Emailing support@getlandmarkinsurance.com
• Calling 877-880-0897
• Following unsubscribe instructions in marketing emails

SMS Opt-Out Instructions: Reply STOP to opt out of text messages. Reply HELP for assistance. Message frequency varies. Message and data rates may apply.

5. Information Sharing and Disclosure

We may share your information with the following third parties:

5.1 Insurance Carriers and Providers

We share your information with insurance carriers to obtain quotes, process applications, and facilitate policy enrollment.

5.2 Partner Insurance Agencies

We may share your information with licensed partner insurance agencies and agents to provide you with additional insurance options and services.

5.3 Service Providers and Vendors

We share your information with third-party service providers who assist in our operations, including:

• Customer relationship management (CRM) platforms
• Marketing and advertising platforms (Google, Meta/Facebook, TikTok)
• Analytics providers
• Payment processors
• Email and SMS communication platforms
• Web hosting and infrastructure providers

5.4 Legal and Regulatory Authorities

We may disclose your information when required by law, regulation, legal process, or governmental request, including to:

• Comply with subpoenas, court orders, or legal obligations
• Respond to requests from state Departments of Insurance (DOI)
• Cooperate with law enforcement or regulatory investigations
• Protect our rights, property, or safety, or that of others

5.5 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the acquiring entity.

6. Medicare-Related Disclosures (CMS TPMO Compliance)

If you inquire about Medicare-related products (Medicare Advantage, Medicare Supplement, or Part D Prescription Drug Plans), the following additional disclosures apply:

• We are not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or the federal Medicare program.
• We represent multiple Medicare Advantage organizations and stand-alone prescription drug plans that have a Medicare contract.
• Enrollment in a plan depends on the plan's contract renewal with Medicare.
• We may receive compensation from insurance carriers for Medicare enrollments.
• We are required to comply with CMS Third-Party Marketing Organization (TPMO) regulations.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Retention periods vary based on:

• Active Relationships: Information is retained while you are an active customer or prospective customer
• Legal Requirements: We retain information as required by federal and state insurance regulations, tax laws, and recordkeeping requirements
• Legitimate Business Purposes: Information may be retained for fraud prevention, dispute resolution, and compliance audits

Upon request, we will delete your information, subject to legal and regulatory retention requirements.

8. Your Privacy Rights

8.1 General Rights

You have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Opt-Out: Opt out of marketing communications (calls, texts, emails)
• Withdraw Consent: Withdraw consent for data processing at any time
• Data Portability: Request a copy of your information in a portable format

8.2 California Residents (CCPA/CPRA)

California residents have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale or sharing of personal information
• Right to correct inaccurate personal information
• Right to limit use and disclosure of sensitive personal information
• Right to non-discrimination for exercising privacy rights

Do Not Sell My Personal Information: We do not sell personal information in the traditional sense. However, sharing data with advertising platforms (Google, Meta) may be considered a "sale" under CCPA. You may opt out by emailing support@getlandmarkinsurance.com.

8.3 How to Exercise Your Rights

To exercise any of these rights, contact us at:

• Email: support@getlandmarkinsurance.com
• Phone: 877-880-0897

We will respond to your request within 30 days (or as required by applicable law).

9. Data Security

We implement appropriate technical, administrative, and physical security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction, including:

• SSL/TLS encryption for data transmission
• Secure data storage with access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection practices

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

10. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to:

• Enhance your website experience
• Analyze website traffic and user behavior
• Deliver targeted advertising on third-party platforms (Google, Meta/Facebook, TikTok)
• Track marketing campaign performance

Third-Party Tracking: We use Meta Pixel, Google Analytics, and other third-party tracking tools that may collect information about your online activities over time and across different websites.

Cookie Control: You can control cookie settings through your browser preferences. Disabling cookies may limit website functionality.

11. Third-Party Links and Services

Our website may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete such information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or business operations. We will notify you of material changes by:

• Posting the updated policy on our website with a new "Last Updated" date
• Sending an email notification (if you have provided your email address)

Your continued use of our services after the effective date of the updated policy constitutes your acceptance of the changes.

14. Contact Us

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

Landmark Life & Health Insurance Agency
A DBA of AmeriCare Benefits Group LLC
Newport Beach, CA
Email: support@getlandmarkinsurance.com
Phone: 877-880-0897
California License #4480974 | NPN #22044601

Effective Date: November 20, 2025

Last Updated: November 20, 2025

1. Acceptance of Terms

By accessing and using this website (getlandmarkinsurance.com), submitting information through our forms, or engaging with our services, you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our website or services.

These Terms constitute a legally binding agreement between you and Landmark Life & Health Insurance Agency, a DBA of AmeriCare Benefits Group LLC ("we," "us," "our," or "Company"). California License #4480974, NPN #22044601.

2. Legal Entity and Licensing

Landmark Life & Health Insurance Agency is a DBA (Doing Business As) of AmeriCare Benefits Group LLC, a licensed insurance agency. We are licensed to sell insurance in multiple states, subject to state insurance regulations and licensing requirements. We are not affiliated with or endorsed by any government agency, including the Centers for Medicare & Medicaid Services (CMS) or the federal Medicare program.

Physical Address: Newport Beach, CA

Contact: support@getlandmarkinsurance.com | 877-880-0897

3. Services Provided

We provide insurance brokerage and marketing services, including:

• Insurance quotes and comparisons from multiple carriers
• Policy recommendations based on your needs and preferences
• Application assistance and enrollment support
• Ongoing customer support and policy servicing
• Educational resources about insurance products

We represent multiple insurance carriers and may receive compensation from insurance companies for policies sold. Our recommendations are based on your stated needs and the products available from our carrier partners.

4. No Guarantee of Coverage

Important Disclaimer: Quotes provided through our website are estimates only and do not constitute a guarantee of coverage, final pricing, or policy approval. All insurance coverage is subject to:

• Underwriting approval by the insurance carrier
• Completion of a full application with accurate and complete information
• Medical underwriting (if required by the carrier)
• Carrier's acceptance of risk based on your health, age, and other factors
• State-specific regulations and carrier availability

No insurance coverage is in effect unless and until an insurance policy is issued by an insurance carrier and you have paid the required premium. Estimated quotes may differ from final rates based on information provided during the full underwriting process.

5. Accuracy of Information

You agree to provide accurate, complete, and truthful information when requesting quotes, submitting applications, or communicating with us. You understand and acknowledge that:

• Inaccurate or incomplete information may result in incorrect quotes, denial of coverage, policy cancellation, or claim denials
• Misrepresentation of material facts may constitute fraud and result in legal consequences
• You are responsible for reviewing all application information for accuracy before submission
• You must notify us immediately of any changes to your contact information, health status, or other relevant details

6. TCPA Consent and Communication Terms

Express Written Consent: By submitting your information through our website, you provide your express written consent to be contacted by us, our partner insurance agencies, affiliated insurance providers, licensed agents, and third-party marketing partners via:

• Telephone calls, including calls using an automatic telephone dialing system (ATDS) or artificial/prerecorded voice messages
• Text messages (SMS/MMS)
• Email communications

This consent applies even if your telephone number is currently listed on any corporate, state, or federal Do Not Call list. You may receive multiple contacts from us and our partners. Standard message and data rates may apply for text messages.

Consent Not Required for Purchase: Your consent to be contacted is not a condition of purchasing any goods or services from us. You may request quotes or apply for insurance without providing consent to marketing communications.

Scope of Consent: Your consent covers communications regarding:

• Insurance quotes, policy recommendations, and enrollment assistance
• Follow-up on submitted quote requests or applications
• Marketing and promotional offers for insurance products and services
• Policy updates, renewals, and customer service matters

Revocation of Consent: You may revoke your consent at any time by:

• Replying STOP to any text message
• Emailing support@getlandmarkinsurance.com with "Opt-Out" in the subject line
• Calling 877-880-0897 and requesting to be removed from our contact list
• Following unsubscribe instructions in marketing emails

SMS Opt-Out Instructions: To opt out of text messages, reply STOP to any message. Reply HELP for assistance. Message frequency varies. Message and data rates may apply.

7. California DOI Advertising Compliance

In compliance with California Department of Insurance (DOI) advertising regulations:

• All quotes are estimates and subject to underwriting approval
• We represent multiple insurance carriers and may receive compensation for policies sold
• We are licensed insurance agents, not insurance companies
• All advertising materials comply with California Insurance Code requirements
• We do not make misleading or deceptive statements about insurance products
• All policy terms, conditions, and exclusions are disclosed in carrier policy documents

8. Medicare-Related Terms (CMS Compliance)

If you inquire about Medicare-related products (Medicare Advantage, Medicare Supplement, or Part D Prescription Drug Plans), the following additional terms apply:

• We are not affiliated with or endorsed by CMS or the federal Medicare program
• We represent multiple Medicare Advantage organizations and stand-alone prescription drug plans that have a Medicare contract
• Enrollment in a plan depends on the plan's contract renewal with Medicare
• We comply with CMS Third-Party Marketing Organization (TPMO) regulations
• We may not discuss or enroll you in non-healthcare related products during Medicare sales interactions unless you initiate the discussion

9. User Responsibilities

You agree to:

• Use our website and services only for lawful purposes
• Not engage in fraudulent, abusive, or deceptive practices
• Not submit false, misleading, or incomplete information
• Not interfere with the operation of our website or services
• Not attempt to gain unauthorized access to our systems or data
• Comply with all applicable federal and state laws and regulations

10. Intellectual Property

All content on this website, including text, graphics, logos, images, videos, software, and other materials, is the property of Landmark Life & Health Insurance Agency (AmeriCare Benefits Group LLC) or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from our website without our prior written consent.

11. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that our website will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of information provided

We do not warrant that quotes, recommendations, or information provided through our website are accurate, complete, or suitable for your specific needs. You are responsible for evaluating the suitability of any insurance product before purchase.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or business opportunities
• Denial of insurance coverage or claims by insurance carriers
• Errors or omissions in quotes, recommendations, or information provided
• Unauthorized access to or alteration of your information
• Damages arising from your use of or inability to use our website or services

Our total liability to you for any claims arising from these Terms or your use of our services shall not exceed the amount of compensation we received from insurance carriers for policies you purchased through us, or $500, whichever is less.

13. Indemnification

You agree to indemnify, defend, and hold harmless Landmark Life & Health Insurance Agency, AmeriCare Benefits Group LLC, and our officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your provision of false, misleading, or incomplete information
• Your infringement of any third-party rights

14. Dispute Resolution and Arbitration

Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.

Arbitration Terms:

• Arbitration shall be conducted in California
• The arbitrator's decision shall be final and binding
• You waive your right to a jury trial
• You waive your right to participate in a class action lawsuit or class-wide arbitration

Exceptions: Either party may seek injunctive or equitable relief in court to protect intellectual property rights or prevent unauthorized use of our services.

15. Governing Law and Venue

These Terms and Conditions are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising out of these Terms (other than arbitration) shall be brought exclusively in the state or federal courts located in California, and you consent to the jurisdiction and venue of such courts.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Landmark Life & Health Insurance Agency regarding your use of our website and services, and supersede all prior or contemporaneous communications and proposals.

18. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of material changes by:

• Posting the updated Terms on our website with a new "Last Updated" date
• Sending an email notification (if you have provided your email address)

Your continued use of our website or services after the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using our website and services.

19. Contact Information

For questions, concerns, or requests regarding these Terms and Conditions, please contact us at:

Landmark Life & Health Insurance Agency
A DBA of AmeriCare Benefits Group LLC
Newport Beach, CA
Email: support@getlandmarkinsurance.com
Phone: 877-880-0897
California License #4480974 | NPN #22044601