Privacy Policy

Last updated October 14, 2026 · Policy Chart Insurance Services LLC, doing business as FinalExpense.org

1. Who we are

FinalExpense.org is operated by Policy Chart Insurance Services LLC, a licensed insurance agency. We are not an insurance company and we are not a government agency. When you request a quote through this site or call one of our numbers, we connect you by phone with a licensed insurance agent, who may work for us or for a partner agency that pays us for the connection (see section 4).

2. What we collect

Information you give us

• Contact details: name, mobile phone number, email address (optional), ZIP code and state.
• Quote details: who the coverage is for, age range, and the coverage amount you are considering. We do not ask health questions on this website; a licensed agent may ask them by phone when you apply.
• Your consent: the exact consent language you saw, the button you clicked, and the time you clicked it.

Information collected automatically when you visit

• Device and usage data: IP address, browser and device type, the pages you view, the ad or link that brought you here (for example a Google click identifier), and how long you spend on a page.
• Form session recording (TrustedForm): our quote form uses ActiveProspect's TrustedForm service, which records how the form page is displayed and how you interact with it (mouse movement, typing, scrolling, and the consent text shown) to create an independent certificate that you consented to be contacted. The certificate is stored by ActiveProspect. It does not capture other websites or anything outside the form page.
• Bot screening (Cloudflare Turnstile): a privacy-preserving check that the form was submitted by a person. It may process your IP address and browser characteristics.
• Cookies and similar technologies: see section 8.

Information we get from others

• Phone number validation: we check whether the number you entered is a mobile, landline, or VoIP line so that we only text numbers that can receive texts.
• Do-not-call and litigation screening: before contacting you we check your number against our own do-not-call list and third-party lists of numbers associated with telemarketing litigation.
• Call tracking (Invoca): when you call one of our numbers, our call-tracking provider records the number you called from, the time and length of the call, which ad or page the number appeared on, and, where permitted, the call itself (see section 7).

3. How we use it

• To connect you with a licensed agent by phone or text, which is what you asked us to do.
• To text you a link to reach an agent, and to answer your replies, using an automated messaging assistant.
• To verify that your request is real, that your number can receive texts, and that we have your consent before anyone contacts you.
• To keep records of your consent and of any request you make to stop being contacted.
• To measure and improve our advertising and this website, including reporting to Google Ads which clicks led to a call.
• To comply with insurance, telemarketing, and privacy laws, and to defend ourselves if a dispute arises.

We do not use your information for any purpose that is not described on this page.

4. Who we share it with

• Licensed insurance agencies and agents. When you request a quote or call us, your request is routed to a licensed agent. That agent may be employed by a partner agency that compensates us for each qualified call or request. The partner receives your name, phone number, state, and the quote details you provided, and is responsible for its own use of that information under its own privacy policy.
• Service providers that process information on our behalf and may not use it for their own purposes: web hosting (Amazon Web Services and Google Cloud), call tracking and text messaging (Invoca), consent certification (ActiveProspect TrustedForm), bot protection (Cloudflare), phone-number and do-not-call screening, and analytics and advertising measurement (Google).
• Legal and safety: regulators, courts, or law enforcement when required by law or to protect our rights, and a successor if our business is sold or merged.

We do not sell your information to data brokers or to "cold call" lists, and we do not share it with anyone for purposes unrelated to the insurance quote you asked for.

5. "Sale" and "sharing" under state law

Some state privacy laws, including California's, define "sale" and "sharing" broadly. Under those definitions, routing your request to a partner agency that pays us for it may be a "sale" of personal information, and using Google's advertising tools to measure our ads may be "sharing" for cross-context behavioral advertising. We therefore treat both as covered and give you a way to opt out: see Your privacy choices. We do not knowingly sell or share the personal information of anyone under 16.

6. Text message program terms

• Program: FinalExpense.org quote follow-up. After you submit a quote request and agree to be texted, we send a link to reach a licensed agent and reply to your messages with an automated assistant.
• Frequency: varies by conversation. Typically no more than five messages per quote request, and nothing after you stop replying for a few days.
• Opt out: reply STOP to any message. You will get one confirmation text and nothing further. Replying START re-enrolls you.
• Help: reply HELP, email support@finalexpense.org, or call 1 (888) 345-4079 during business hours.
• Cost: message and data rates may apply. Consent is not a condition of purchase.
• Your opt-in is not shared: mobile opt-in information and your consent to receive text messages will not be shared with or sold to third parties or affiliates for their marketing purposes.
• Wireless carriers are not liable for delayed or undelivered messages.

7. Call recording and monitoring

Calls to and from our numbers may be recorded and monitored for quality, training, compliance, and to document any consent you give or withdraw. You will hear a recording notice before you are connected to an agent. If you do not want to be recorded, tell the agent or hang up before the connection. Partner agencies record their own calls under their own policies.

8. Cookies and tracking technologies

We use a small number of cookies and similar technologies:

• Strictly necessary: remembering the ad or link that brought you here for up to 90 days so that your quote request is attributed correctly, and the bot-protection check on the form.
• Measurement and advertising: Google Tag Manager, Google Ads conversion tracking, and call-tracking cookies that tell us which ad led to a call so we can measure our advertising. These may be considered "sharing" under some state laws.

You can block cookies in your browser settings; the site will still work. We also honor the Global Privacy Control signal: if your browser sends it, we treat it as a request to opt out of sale and sharing for that browser and stop advertising measurement, with no further action needed from you.

9. Your privacy choices

Depending on where you live, you may have the right to know what personal information we hold about you, to receive a copy, to correct it, to delete it, to opt out of its sale or sharing, and to not be treated differently for exercising these rights. We extend these choices to every visitor, regardless of state.

Other requests (know, correct, delete)

Email privacy@finalexpense.org or write to the address in section 14. Tell us what you want (a copy, a correction, or deletion) and the phone number and email you used with us so we can find your records. We will respond within 45 days, and may extend once by 45 days if we tell you why. We will ask you to confirm the phone number or email we have on file before releasing or deleting anything. An authorized agent may act for you if they provide your signed permission.

We will keep a record that you made a request, and we may keep information we are required to retain by insurance or telemarketing law (for example, proof of your consent and of your opt-out) even after a deletion request.

We do not use or disclose sensitive personal information for purposes other than providing the service you asked for, and we do not use automated decision-making that has legal or similarly significant effects on you.

10. How long we keep information

Quote requests and consent records are kept for as long as needed to serve you and to meet legal record-keeping requirements for telemarketing consent, which can be up to five years. Call recordings are kept by our call-tracking provider according to its retention schedule. Do-not-call requests are kept permanently so that we honor them.

11. Security

Information is transmitted over encrypted connections, stored in access-controlled cloud databases, and reachable only by the people and systems that need it. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security.

12. Children

This site is for adults. Our products are designed for people aged 50 to 85, and you must be at least 18 to request a quote. We do not knowingly collect information from anyone under 18.

13. Changes to this policy

When we change this policy we update the date at the top. If a change materially affects how we use information you already gave us, we will tell you by text or email before it takes effect.

14. Contact

Policy Chart Insurance Services LLC
doing business as FinalExpense.org
2 N Central Ave, Suite 1800, Phoenix, AZ 85004
Email: privacy@finalexpense.org
Phone: 1 (888) 345-4079 (Mon–Thu, 10 AM – 5 PM ET; this line connects to a licensed agent, so privacy requests are faster by email)