1. Insurance Disclaimers & Licensing
- Independent Licensed Agent: Spencer S.S. McLeod is a state-licensed independent life insurance agent representing multiple life insurance carriers across licensed U.S. states. I am not an employee, carrier representative, or division of any single insurance company or government agency.
- No Insurance Bound Online: Coverage cannot be bound, altered, or amended by submitting information through this website, contact forms, or email.
- Quotes & Rates: All quotes, rate illustrations, and estimates provided are non-binding. Final coverage approval and premium rates are determined solely through underwriting, carrier review, medical/health evaluations (where applicable), and receipt of initial payment.
2. Information Collection & Use
In order to provide life insurance or final expense quotes and process applications, we collect non-public personal information (“NPI”) directly from you, including:
- Contact Information: Name, email address, phone number, and physical address.
- Underwriting Data: Date of birth, gender, state of residence, tobacco use, health history, and beneficiary information.
- How It’s Used: Information is used strictly to fulfill quote requests, present policy options, and assist with policy applications. Information submitted for an application will be shared only with relevant life insurance carriers, medical exam vendors, and underwriting services necessary to process your policy.
- No Data Selling: We do not sell, rent, or trade your personal information, phone number, or email address to third-party marketers or lead aggregators.
3. TCPA & Automated Communication Consent
By submitting your phone number or contact details on this website, you provide express written consent to be contacted by Spencer S.S. McLeod via phone call, text message (SMS/MMS), or email regarding life insurance options.
- Calls or texts may use automated technology or pre-recorded messages.
- Consent is not required as a condition of purchasing any insurance product.
- You may opt out of text messages at any time by replying STOP, or unsubscribe from emails via the unsubscribe link provided. Standard text messaging rates may apply.
4. State Consumer Privacy Rights
Under U.S. state privacy laws (including California, Texas, Virginia, and others), you have the right to request access to, correction of, or deletion of your personal data.
Note: State insurance regulations require licensed agents to retain application and transaction records for a required retention period (typically 5–7 years).
5. Contact Information
If you have questions regarding this policy or wish to update your preferences, please contact:
- Spencer S.S. McLeod
- Email: info@SpencerMcLeodInsurance.com
- Phone: (+1) 479-345-0806