Privacy Policy

Special Risk Life Insurance and are owned and operated by C & F Associates, LLC.  We are committed to keeping all of your personal information secure and confidential. This privacy statement explains all the protections, uses and benefits of the information you provide in order to ensure your confidence and trust through the entire process with us.

Special Risk Life Insurance believes the privacy and the security of your information should not be compromised.  We use SSL technology (HTTPS) to encrypt all information to and from our server so it is kept private during any query.

The following Privacy Policy details how information gathering, protection, and our handling practices related to the use of our website

If you have comments or concerns about our privacy policy, you can contact us by phone at (269) 244-3420.

Why We Do Collect Visitor Information

There are two reasons why we collect visitor information on this site.

(1) Information is collected to provide real-time, accurate insurance quotes.
(2) Information is collected to initiate the application request, process and/or to begin the purchase of life insurance.

The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends.  Information is not used to track the usage patterns of individual users.

Gathered Information & How We Use It

Insurance Quote Request Form

This site provides free, instant life insurance quotes. To provide accurate quotes, certain information must be collected, including state of residence, date of birth, height, weight, gender, coverage amount desired, term period desired, health classification of the proposed insured, and tobacco use.  In the cases of simplified issue and/or guaranteed issue life insurance quoting, other pertinent health information may also be required.

All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes to the consumer, the information previously mentioned above must be gathered.

Application for Insurance Request Form

This form represents the start of the life insurance purchasing process. When filling out this form, you are requesting contact by a member of our staff regarding your purchase of insurance. Information collected on this form (name, address, email, and phone numbers) will be used only to contact you regarding your purchase of insurance. Special Risk Life Insurance does not sell or give away any of your information. Special Risk Life Insurance may share this information with life insurance companies in an effort to provide you the best in product and service.  This however, is only done at your request or if we are compelled by law.

The Application for Insurance Form also requests other health and lifestyle information required in the majority of insurance applications. You do not have to fill out this information online, however you will need to provide the information during any insurance application process or to receive a very accurate insurance quotation.


A cookie is simply a piece of data stored on any user’s computer.  It is an ID tag placed on a user’s computer to determine the usage of our sight and to aid in improvements to our website.  None of the cookies this site uses are in any way linked to personally identifiable information.

This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. Persistent cookies are small text files stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed if you wish by using the “Help” instructions provided in your web browser. Cookies may also be disabled at any time by following “Help” instructions provided by your internet browsing program.

Users of our site that do not accept our cookies may still use this site. Information gathered by the use of cookies is collected only to determine the effectiveness of our site for our visitors.

Log Files We Maintain
When visitors enter and navigate through the pages of our website, our server logs that information.  This includes the internet ip address of the computer device contacting us thru the internet, the date and time, the URL of any referring site as well as the user’s web browser, computer operating system, and screen resolution. All of this data is analyzed to better understand what our user’s are looking for and how we can improve the quality of this website.  No information in our log files is shared with or sold to outside organizations.  We do not look at individual users or their usage patterns, or use this technology to gather emails or personally identifiable information.

Communication to Consumers or Client

Once a user has initiated a relationship with Special Risk Life Insurance through this site, we may contact you through any of the following forms of communication. They include

(1) contact by telephone

(2) contact by email

(3) contact by text message

(4) contact by mail

(5) contact by fax.

Any contact is to assist our customers/clients to apply for, purchase, and/or get insurance information. Contact will only come from a Special Risk Life Insurance agent and/or our insurance processing team.

If at any time you desire that we no longer contact with you, please reply by e-mail, telephone, mail or fax and we will promptly remove you from our system.

Options You Have

This site is open to public use without providing any personally identifiable information. All information provided is free to you with no obligation.

By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with Special Risk Life Insurance and are consenting to contact and information from us, which may be provided to you online, by phone, fax, email, text or mail by  or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent.

If, at any time, you desire that we cease contact with you, we will honor your request to place you on our internal “Do Not Contact” list.  To opt-out at any time, please email us at or call us at 269-230-3464 if your prefer.


You can unsubscribe from our email mailing list with a simple reply in the message stating “unsubscribe.”

You may disable cookies on your browser at any time by following the directions provided to you in your web browser.

Changing of Update You Personal Information

If you would like to change or update your personal information we have on file, please contact us at 269-230-3464

Carrier, Partner, Vendor, and Affiliate Privacy Policies

Special Risk Life Insurance may have to share some or all of your personally identifiable information with its team members and insurance carriers, for the express purpose of assisting you in your purchase of coverage. Special Risk Life Insurance is not liable or responsible for any third-party companies’ privacy policies or procedures, or any loss or breach of data through those third-party systems. Please contact those organizations with questions regarding their Privacy Policies if you are so inclined.

Spam Policy

Special Risk Life Insurance does not spam.

Spam is an attempt to deliver an email to a email user who would not choose to receive it.  This is most often attempted at a commercial level.  If you receive an email from us, it is because you first expressly shared your email address with us for the purpose of receiving information in the future (also known as “opt-in”), or second, you have purchased insurance from us or have a current business relationship with our company.

By requesting information from us or providing your contact information on our website, you have agreed to opt-in to receive our information.

You can unsubscribe from our email mailing list at any time by replying to our email with the subject line, “unsubscribe”.

Privacy Policy Revisions

This Privacy Policy may be revised at any time. We are constantly looking for safer ways to protect our clients’ information. Consequently, this Privacy Policy may be updated to reflect those changes. It is suggested that you review this Privacy Policy each time you use this site.

Contact Us

If you have any questions regarding this document, our procedures and policies, this site, or your relationship with us, please contact us at the address below.

Special Risk Life Insurance

4353 Kettle Moraine Dr.  Suite #3A

Kalamazoo, MI  49048


This Privacy Policy was last updated 12/30/2021