Last updated: July 31, 2026
This Rate Desk line is operated by the insurance agency named on this site (the "Agency"), on the Rate Desk platform. This policy explains what information is collected when you use the Rate Desk line or this website, and how it is used.
When you reach out by text message, WhatsApp, Messenger, or this website, we receive the information you choose to share: your phone number or contact handle, your name if you provide it, an email address if you provide one, and the contents of your messages, including your questions.
Your information is used for one purpose: to receive your questions, respond to you personally, and help you over time. We may also use aggregate, non-identifying statistics (such as total questions received) to operate and improve the service. We do not sell your information. We do not share it with advertisers. We do not use your messages for marketing.
Your messages are read by authorized members of the Agency's team and held in confidence. Like any modern service, messages travel through service providers that make delivery possible — including telecommunications carriers, Twilio, Meta Platforms (for WhatsApp and Messenger), and the Rate Desk platform's hosting infrastructure — which process data on the Agency's behalf. We may disclose information if required by law, or if we believe in good faith that someone is in imminent danger.
We understand your questions are deeply personal and may include sensitive matters of health, family, and finances. By sending a message, you consent to our receiving and holding it for the purposes above. We treat it as confidential.
This Rate Desk line is not an emergency service and cannot dispatch help. If you or someone else is in immediate danger, call 911 (US) or your local emergency number. If you are in crisis, we will always share crisis-line resources for your country.
This line is staffed by licensed insurance agents — not a bank and not a law firm. Annuity and insurance products are offered through licensed agents; estate documents are prepared by licensed attorneys. Nothing here is financial, tax, or legal advice until it is delivered to you in writing by the right professional.
Reply STOP to any text message at any time to stop receiving messages. You may also ask us at any time to delete your information, and we will honor it.
This service is not directed to children under 13, and we do not knowingly collect information from them.
We may update this policy; the date above reflects the latest version. Questions or requests: reply to any text we've sent you.