Final Wishes CoveredSM is the marketing and sales site of the agency, My Life Covered LLCSM (“the Agency”), which is licensed to sell life and health insurance.
This statement discloses the privacy practices for the Agency website, and includes:
Questions regarding this statement should be directed by email to firstname.lastname@example.org.
The Agency website collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals. Except as described in this Statement, the Agency will not release any of said information about you without your permission, unless permitted or required by law.
The Agency websites gather aggregated tracking information such as IP addresses and home server information. These websites do not contain any functionality to respond to or honor Web browser do not track signals or other similar mechanisms, and thus does not respond to or honor such signals or mechanisms. These websites do not enable third parties to collect personally identifiable information about an individual consumer’s online activities over time and across different websites when a consumer visits this website.
When you would like to have an advisor contact you, we will ask you for:
Our agency and advisors are licensed to sell life and health insurance in all States and the District of Columbia. (Contact us for more information)
In addition to our customer service number, we also provide our customers with a means to communicate with us 24 hours a day using our customer service email forms (Contact Us here). In order to provide you with the service you need the most efficient way possible, we will ask you for some or all of the following information:
This information is for our internal use to service your request, so that we or our administrators may access your customer information. It is not shared with any other third
Any other interactive forms or calculators on this website are there for your information only. The Agency does not track, retain, or use any of the data input into these forms, nor is the data in any way linked to you as an individual.
A cookie is a small piece of information a website can store on your computer. This small text file contains a unique identification number that is transferred from a website to the hard drive of your computer so that the site administrator may identify your computer and passively track its activities on the website. This unique number identifies your Web browser to our computer system whenever you visit our site. A cookie will not allow a website to learn any personally identifiable information (such as your real name and address) that you have not otherwise disclosed.
Clear GIFs or single-pixel GIFs, known as Web beacons, are small files that are placed on Web pages. Web beacons work with cookies and assist in gathering website statistics such as unique visitors and the number of times individual pages are displayed. This site also contains links to the Agency pages of several third party social media websites and additional links to third party websites that may appear as a “Like” button or as a “Share” button inside of a Share control box contained on several pages on this website. When you click on any such links, the third party website may send a session cookie or a persistent cookie to your computer. Please review the online privacy statements of such third-party websites for information regarding the online privacy practices of such websites.
This website may contain hyperlinks or links, to and from other Internet sites. These sites may have different privacy practices from our website. Our Online Privacy Statement applies solely to our site. Please review the online privacy statements of any other Internet sites you may visit. These links also do not imply an affiliation between the Agency and the site owner, or any endorsement, approval, or verification of any content contained on other websites.
To enable us to continually improve on the content we offer our users, as well as for systems administration purposes, we collect aggregate information site wide. This gives us an idea of which parts of our site users are visiting. We do capture IP addresses to track a user’s activity on the site.
Our commitment to confidentiality is a top priority of the Agency. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our customers, including the information received from this website.
This website does not contain or have access to information provided to us as part of insurance underwriting, policy service, or claims.
We reserve the right to amend this Statement from time to time. Any material change to our online privacy practices will be reflected in this Online Privacy Statement. We will indicate the date this Statement was last updated.
This website is maintained by My Life CoveredSM IT Support, located at 16600 Swingley Ridge Road, Chesterfield, MO 63017. Visit the Contact Us page for additional information.
Last revised: April 2018
FINAL WISHES COVEREDSM is the marketing and sales site of the agency, My Life Covered LLC (“the Agency”), which is licensed to sell life and health insurance.
You may not use this site to engage in any illegal activity. You may not sue this site to engage in conduct which is defamatory, libelous, threatening, or harassing or that infringes on a third-party intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, the Agency reserves the right to disclose any information you provide through the use of this site or other Agency-owned electronic sites or applications to law enforcement authorities as deemed appropriate in the sole discretion of the Agency. You agree that any information you provide through this site will be truthful and accurate.
The My Life Covered LLC email system is a private email system intended only for purposes authorized by the Agency. You are not authorized to send numerous unsolicited commercial email messages to any email addresses @ My Life Covered LLC. The Agency reserves the right to take actions as maybe necessary to prevent misuse of its email system by unauthorized parties.
Any information, services, materials, software, calculators, or other items on this site are provided “as is” without any warranty of any kind, either expressed or implied, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. The Agency does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will My Life Covered LLC be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators, or other items.
The name, term, and logo “My Life Covered LLC”, and all other URLs or logos contained within the Agency websites (not including the individual insurance company names or logos) are considered intellectual property and/or federally registered trademarks or service marks of the digital agency, My Life Covered LLC, a wholly owned subsidiary of RGAX and its affiliated organizations. The Agency may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of the Agency and are protected by copyright or other intellectual property laws.
The Agency reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark, and other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorized to use any portion of this site or any other intellectual property on any other site, in the meta tags of any other site, or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site’s content, or frame this site within any other site.
For your convenience, the Agency may provide links to other internet sites that the Agency does not maintain. You should not interpret any link to/from other sites as indicating that the Agency sponsors or endorses the sites or their materials, or that the sites are affiliated with the Agency in any manner. The Agency is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products, or services offered on such sites. The Agency is not responsible for and makes no warranties or representations about the content, products, or services offered on any sites that you may elect to uses in connections with this site.
Not all of the products or services described on this site are available in all states. You may not be eligible for all products and services and the Agency reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions, representations, agreements, eligibility, and availability.
The digital insurance agency, My Life Covered LLC, is organized under the laws of the State of Missouri and licensed in all States and the District of Columbia. Home offices are located in Chesterfield, Missouri. The Agency is a wholly-owned subsidiary of RGAX and is principally engaged in selling life and health insurance.
Please Contact Us for additional information.
We believe the information provided on this website to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please let us know – we want to hear from you.
The rates quoted may be provided by mail, email, phone, or online are estimates. These quoted rates are generally representative of the rate classes available, based on the very limited data gathered on you, for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates. These estimates are based on limited information you provided to us. Rates and availability are subject to the application and underwriting requirements and approval by the insurance company you selected. The requirements and criteria to qualify varies widely among insurance companies. If you apply for coverage, we will advise you of any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate your application for coverage.
Rates, plans, and availability also vary by state. Rates on most level term life insurance plans will typically increase annually after the initial guarantee period ends. Initial guarantee periods vary, and typically range from 1 to 30 years, depending upon the product you select. Rates on most whole life insurance plans remain the same for the life of the policy. Suicide, misstatement, and misrepresentation restrictions may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice.
All solicitations to apply for coverage and all subsequent applications for insurance are made through the digital agency, My Life Covered LLC (“the Agency”). Advisors who provide you advice and sell you insurance are required to be licensed by each state for the lines of business sold. The Agency is licensed to sell life and health insurance in all States and the District of Columbia. This website is not a solicitation to sell insurance in any jurisdiction nor line of business where we are not licensed to do so. If information is provided inadvertently to any person or company in a jurisdiction in which the Agency is either not duly licensed and/or appointed, such information should be discarded (and treated as a clerical error). You should seek a qualified, licensed, and appointed representative to assist you.
We may occasionally provide premium rates, features, financial strength ratings, and/or other information about certain companies and products for which we are not appointed to sell. This information is provided as courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.
You agree and understand that we may contact you via phone or email to follow up regarding your request for life insurance. This follow up may be needed to verify information for the purpose of giving you the most accurate quote and/or best service possible.
When you fill out our quote request form, you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry). By inviting and consenting to the receipt of information by the Agency and its affiliate partners – including any call centers (which may be provided to you online, phone, email, US Mail, etc.), you are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time, we will immediately honor any request to be placed on our internal “do not contact” list. (Click here to be added to our “Do Not Contact” list).
Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. The Agency maintains a strict policy against the dissemination of nonpublic personal information, which may be found in the files of its clients and applicants. All employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals. These related individuals include, but are not limited to, their advisors, wholesales, and reinsurers, all of whom need this information in order to evaluate their inquiries; provide accurate price quotations; and underwrite the applications for coverage. As such, it is understood that by filling out and submitting a quote request form, or application form, consumers are granting the Agency the permission to evaluate this information. And, in its sole judgment, to share it with our affiliates and service providers, insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing life insurance coverage. Such nonpublic personal information is not used for any other purpose.
The Agency derives most of its revenue through commissions and/or fees earned from the sale of life insurance and other related products. The insurance industry is strictly regulated and extremely competitive. As such, commissions paid by insurance companies to brokers are often similar, but they can and do vary from company to company. It is entirely possible that several competing products may be available at the same, or similar, pricing and that the sale of one of them may result in a higher total commission than the sale of another. That being said, we are serious about our commitment to deliver the best value to our customers. We believe that, in order to determine which product represents the best value, we must examine the price, features, financial strength of the insurance company, as well as the availability based on your individual profile. We are also acutely aware of the fact that, as a consumer, you have many choices as to where you buy anything, including your life insurance. If we don’t provide you with the best overall value, we expect that you will find someone who will. Our success as a company depends upon our continuing to deliver a superior value to our customers. We appreciate your trust, and the opportunity to earn your business.
The underwriting (risk assessment), if necessary, will not begin until after the fully completed and signed application is received by the insurance company.
In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium, and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern, or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.
The Agency herein advises all applicants for insurance (proposed insureds) NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, paid for, and delivered.
Free look on all policies: the insurance carrier provides 10 days (or longer if your state insurance laws specify) to look over any new policy. And if, for any reason, you decide to cancel the policy within 10 days after receiving it, you will receive a full refund of all premiums paid, no questions asked.
This web site has been painstakingly designed with the intention of providing as much information as possible to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided.
The information in the website is provided “as is” and without warranties of any kind either expressed or implied. The Agency hereby disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
The content herein should be deemed to be published by the Agency and not any other party, including any particular insurance company(s). In no event shall the Agency be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein. The Agency is not obligated to monitor any transmission made to or through any of the pages contained on this website or any website which may be linked to or from this website. However, and notwithstanding anything herein to the contrary, the Agency has the right to monitor such transmissions and to use or disclose information gathered from this site. All content, pages, data, and designs contained in this website (with the exception of Insurance Company names and logos, which are the exclusive property of the respective insurance companies) are copywritten by RGAX, and may not be copied or reproduced, in whole or in part, in any form without our express written consent. The name and logo “My Life Covered LLC”, and all other URLs or logos contained within the Agency websites are federally registered trademarks or service marks of the digital agency, My Life Covered LLC, a wholly owned subsidiary of RGAX d/b/a for My Life Covered LLC.
The Agency bears responsibility for the content of the advertisements that the Agency creates, but not the method and manner of delivery of such advertisements. Notwithstanding, anything in any other past or current agreements to the contrary, our advertising vendors represent that all means used to generate leads, including the serving/display of any advertisements, sending of mail, email, or telemarketing, are legal and do not violate the state or federal laws in the jurisdiction in which they are delivered. Our advertising vendors validate that all email is sent to 100% opt-in lists, and may be required to provide evidence of consumer opt-in if a complaint arises. Our advertising vendors bear full liability for damages awarded and the reimbursement of the Agency’s legal costs as a result of any legal action brought as a result of violation of any local, state, or federal laws regarding the method and manner of the delivery of the message by themselves and their affiliates. The Agency endeavors to abide by all local, state, and federal laws regarding the content and delivery of electronic advertisements displayed to customers. We do this through third party providers and their affiliates and do not directly supervise or control their ultimate compliance with these policies.
Assurance Final Expense Life Insurance (Policy Form Series FE700) – a level premium whole life insurance policy designed specifically to cover final expenses. Premiums are guaranteed never to increase over the life of the policy and the death benefit is guaranteed not to change. A cash value accumulates as you pay your premiums and can be accessed in times of need through a policy loan. Once issued, the policy cannot be canceled as long as premiums are paid. Costs, Benefits, Exclusions, and Limitations may vary by state. Refer to form OL400 and state-specific variations where applicable. Product not available in all states.
Oxford Life Insurance Company • 2721 North Central Avenue • Phoenix, AZ 85004