Special Risk Life Insurance and www.specialrisklifeins.com 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 www.specialrisklifeins.com.
If you have comments or concerns about our privacy policy, you can contact us by phone at (269) 230-3464.
Why We Do Collect Visitor Information
We collect personal information that you voluntarily provide through our website, including information needed to respond to inquiries, evaluate insurance needs, prepare preliminary underwriting assessments, and assist with insurance applications. Our website may also automatically collect technical information, such as IP addresses, dates and times of visits, referring URLs, browser information, operating systems, and screen resolution, as described in the Log Files We Maintain section below. We use website usage information to understand visitor trends and improve our website and services.
Gathered Information & How We Use It
Insurance Quote Request Form
This site provides free, personalized & 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, basic health questions or classification of the proposed insured, and tobacco/nicotine 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.
Medical Records and AI-Assisted Analysis
If you choose to provide medical records or other health information to Special Risk Life Insurance, we use that information to help evaluate your insurance needs, prepare preliminary underwriting assessments, and identify potentially suitable insurance options.
We use appropriate security measures to protect the information you provide, including encryption in transit and appropriate safeguards for stored information.
To help organize and analyze questionnaire responses and medical records, we may use AI-assisted tools, including services provided by third parties. Before medical records are transmitted to an external AI service for analysis, our system is designed to remove personally identifying information, such as names, addresses, dates of birth, telephone numbers, Social Security numbers, and medical record numbers, while preserving medically relevant information needed for analysis.
Original medical records and the information connecting those records to you remain under our control. We do not intentionally send your direct identifying information to an AI service as part of this analysis process. Automated identification and removal of personal information may not catch every identifier in every document.
AI-assisted tools help us organize information, identify missing details, and prepare our review. They do not replace our professional judgment. We use the resulting information to assist with our work on your behalf.
We take the confidentiality of your personal and medical information seriously and work to limit the information shared with outside service providers to what is necessary for the intended purpose.
Cookies
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 site 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 our website, our server may record technical information, including the internet IP address of the device accessing the site, the date and time, the URL of any referring site, the user’s web browser, computer operating system, and screen resolution. We analyze this information to better understand website usage and improve our services. We do not sell this log information or routinely share it with outside organizations for their own marketing purposes. IP addresses and other technical details may sometimes be associated with an identifiable device or user, but we do not use website logs to intentionally collect email addresses or other information submitted through our forms.
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
www.specialrisklifeins.com
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 support@specialrisklifeins.com or call us at 269-230-3464 if you prefer.
You can unsubscribe from our email mailing list with a simple reply in the message stating “unsubscribe.”
Cookies
You may disable cookies on your browser at any time by following the directions provided to you in your web browser.
Changing or Updating Your 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 share relevant, non-identifying health and risk information with insurance carriers when exploring potential insurance options during a preliminary underwriting assessment. During this process, we do not disclose the individual’s name, address, telephone number, email address, Social Security number, or other direct identifying information. We use an anonymous case reference so that potential underwriting options can be explored without revealing the individual’s identity.
When an individual proceeds with a formal insurance application, identifying information required by the selected insurance carrier may be provided as necessary to process and underwrite the application. We may also use third-party service providers to support our website, securely process information, and assist with administrative, technical, or AI-assisted analysis functions described in this Privacy Policy.
We seek to limit information shared with service providers to what is reasonably necessary for the intended purpose. Before medical records are transmitted to an external AI service, our system is designed to remove direct identifying information, as described in the Medical Records and AI-Assisted Analysis section above. Automated removal may not identify every personal identifier in every document. Third-party organizations may have their own privacy policies and data-handling practices. Our use of third-party services does not change our commitment to handle information in accordance with this Privacy Policy and applicable requirements.
Spam Policy
Special Risk Life Insurance does not spam.
Spam is an attempt to deliver an email to an 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 10/25/2026