Effective Date: April 9, 2026

SilverPoint Insurance Services, a DBA of EverLife Advisors, LLC (“SilverPoint,” “we,” “our,” or “us”), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website at https://www.silverpointinsurance.com (the “Site”), communicate with us, or use our services related to Medicare Advantage, Medigap, and other health and life insurance products.

Information We Collect

a. Personal Information You Provide

We collect information you voluntarily provide to us, such as:

Full name
Date of birth
Email address
Phone number
Home address
Social Security number (if required for application)
Health information (for insurance quotes or eligibility)
Income and financial data (for certain plan eligibility)

b. Automatically Collected Information

When you visit silverpointinsurance.com, we may automatically collect:

IP address
Browser type and version
Device type and OS
Pages visited, time on page, and referral URL
Clickstream data
Cookies and other tracking technologies

2. How We Use Your Information

We use the information we collect to:

Provide insurance quotes and services
Evaluate eligibility for Medicare Advantage, Medigap, and final expense plans
Connect you with licensed agents or plan providers
Customize your online experience
Communicate with you via email, phone, or SMS (with consent)
Comply with CMS, HIPAA, and insurance regulatory guidelines
Prevent fraud and ensure site security
Improve our products and services through analytics

3. How We Share Your Information

We may share your information with:

a. Insurance Carriers and Licensed Agents
To help you explore and enroll in insurance plans that suit your needs.

b. Third-Party Service Providers
We may use vendors to support our operations (e.g., CRM systems, marketing platforms, data hosting, analytics).

c. Government or Regulatory Bodies
Such as CMS (Centers for Medicare & Medicaid Services) or state insurance departments when required.

d. Legal Compliance
To comply with court orders, subpoenas, or law enforcement requests.

e. Business Transfers
In the event of a merger, acquisition, or sale of assets.

4. HIPAA Notice (If Applicable)

If you submit or discuss health-related information with a licensed agent or on a HIPAA-regulated form, that data may be protected under the Health Insurance Portability and Accountability Act (HIPAA). In such cases:

We maintain appropriate administrative, technical, and physical safeguards to protect PHI.
We will not disclose PHI without your written authorization, except as required or permitted by law.
You have rights to access, amend, and request restrictions on your PHI, which you can do by contacting our privacy team.

Note: Not all data we collect is subject to HIPAA; only data handled in connection with health plan enrollment or covered transactions is treated as such.

5. CCPA Privacy Rights (for California Residents)

Under the California Consumer Privacy Act (CCPA), California residents have the right to:

Know what personal information we collect and how it is used
Request access to your data
Request deletion of your personal information (subject to exceptions)
Opt-out of the sale or sharing of personal information (we do not sell data)
Non-discrimination for exercising privacy rights

To exercise these rights, email us at compliance@silverpointinsurance.com. We will verify your request before processing it.

6. CMS Compliance Notice (for Medicare Marketing)

As a provider of Medicare-related services, we comply with all CMS (Centers for Medicare & Medicaid Services) guidelines for marketing and communications. This includes:

Not using misleading language or coercive tactics
Only contacting you with your express permission (per Scope of Appointment rules)
Disclosing plan options from all carriers we are contracted with
Providing plan comparisons in a fair and unbiased way
Maintaining audit-ready records of any interactions, as required by CMS

7. Your Choices & Rights

You may:

Opt out of marketing communications at any time by clicking the unsubscribe link
Manage cookies through your browser settings
Request access to, correction of, or deletion of your data by contacting us
Withdraw consent where processing is based on consent (if applicable)

8. Data Security

We use industry-standard security measures to protect your personal information, including:

SSL encryption
Firewalls and secure servers
Role-based access controls
Routine data backups and monitoring

However, no system is 100% secure. We encourage you to use caution and notify us immediately if you suspect any misuse.

9. Data Retention

We retain your information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law (e.g., for regulatory or contractual purposes).

10. Children’s Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect or maintain personal information from children.

11. SMS Communications

SMS Opt-In Data: SilverPoint Insurance Services, a DBA of EverLife Advisors, LLC will not sell, rent, share, or disclose your SMS opt-in information or phone number to any third party or affiliate for marketing purposes. SMS consent is not a condition of purchase or service.

12. Third-Party Links

This Site may contain links to third-party websites or tools. We are not responsible for the privacy practices or content of those third parties. Please review their privacy policies separately.

13. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Effective Date.” Your continued use of silverpointinsurance.com constitutes acceptance of those changes.

14. Contact Us

If you have questions or want to exercise your rights, please contact:

SilverPoint Insurance Services, a DBA of EverLife Advisors, LLC
1600 Ashton Blvd, Lehi, UT 84043
Email: compliance@silverpointinsurance.com