Privacy Policy~
Phoenix 1948 (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This privacy policy outlines how we collect, use, and protect your information when you interact with our website and services.
1. Information We Collect
We may collect personal information including, but not limited to:
Name
Email address
Phone number
Mailing address
Any information you provide through contact forms or opt-ins
2. How We Use Your Information
Your information may be used to:
Provide requested services or respond to inquiries
Send promotional or educational content via email or SMS
Improve our services and customer experience
Comply with legal obligations
3. SMS Communications
By providing your phone number, you consent to receive SMS messages from us. These messages may include updates, promotional content, or service-related information.
Message and data rates may apply. Message frequency may vary.
You can opt out at any time by replying
STOP
to any SMS message. For help, reply
HELP
or contact us at [email protected]
4. Information Sharing
We do not sell, rent, or trade your personal information. We may share your data with trusted service providers who assist in operating our business, only as necessary and under confidentiality agreements.
5. Data Security
We implement industry-standard security measures to protect your personal information from unauthorized access or disclosure.
6. Your Choices
You may update or request the deletion of your information at any time by contacting us.
What is Life Insurance?
Life insurance is a contract between you and an insurance company. In exchange for regular premium payments, the insurer provides a tax-free lump sum payment (death benefit) to your beneficiaries when you die.
Why do I need Life Insurance?
Life insurance provides financial security for your loved ones. It can cover funeral costs, pay off debts, replace lost income, and fund future expenses like college or retirement.
How much Life Insurance do I need?
It depends on your income, debts, lifestyle, and future goals. A general rule is 10–15 times your annual income, but a more personalized analysis is ideal.
What are the main types of Life Insurance?
Term Life (Temporary): Covers you for a specific period (e.g., 10, 20, 30 years); affordable and straightforward.
Whole Life (Permenant): Covers you for life; includes cash value accumulation.
Universal Life/IUL: Flexible premiums and coverage with potential cash value growth tied to market indexes.
What is the difference between Term & Permanent Life Insurance?
Term insurance is temporary and pays out only if you die during the term. Permanent insurance (like whole or universal) lasts your entire life and builds cash value.
How much does Life Insurance cost?
Cost varies by age, health, policy type, and coverage amount. Term is generally cheaper than permanent life.
Do I need a medical exam to get Life Insurance?
Some policies require a medical exam, but there are also no-exam or simplified issue options depending on the insurer and your health.
Can I get Life Insurance if I have health issues?
Yes, but premiums may be higher. Guaranteed issue or graded benefit policies may be available with limited underwriting.
What if I stop paying my premiums?
Term: Coverage lapses. Whole/Universal: The policy may use cash value to pay premiums temporarily, or it could lapse.
Can I borrow from my Life Insurance Policy?
Yes, if it’s a permanent policy with cash value. Loans are tax-free but reduce the death benefit until repaid.
What is a policy rider?
Riders are optional add-ons that enhance your policy—like critical illness, long-term care, or child term coverage.
When should I review or update my policy?
At major life changes—marriage, birth, divorce, buying a home, or retirement. Review at least every 1–2 years.
Can I have more than one Life Insurance policy?
Yes, and it’s common.
Phoenix 1948~the Asset Protector
Office Number:
Leslie Lewis' Cell:
Email:
Hours:
Mon-Sat 8am-8pm
Office Address (appt only):
