Our Core Promise: Pillar Final Expense will never sell, share, rent, or distribute your personal information to third-party marketers, lead aggregators, other insurance agents, or call centers. Your information is shared only with your single, dedicated licensed agent for the sole purpose of providing you with an insurance quote and servicing your policy.
1. Introduction
Pillar Final Expense ("Pillar," "we," "us," or "our") is the trade name under which Tanner, an independently licensed life insurance agent, operates. We are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website pillarfinalexpense.com (the "Site"), interact with our advertisements on social media platforms including Meta (Facebook and Instagram), or communicate with us by phone, email, or other means.
By using our Site, submitting a quote request form, or otherwise providing your personal information to us, you acknowledge that you have read and understand this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.
2. Information We Collect
2a. Information You Provide Directly
When you request a quote or contact us, we may collect the following personal information:
- Contact Information: First name, last name, phone number, email address
- Demographic Information: Date of birth, age (calculated from your date of birth), gender, state of residence
- Health Information: General health status, height, weight, tobacco use, pre-existing conditions (as disclosed by you for insurance underwriting purposes)
- Insurance Preferences: Coverage type, coverage amount, monthly budget preference, reason for seeking coverage, carrier interest
- Communication Preferences: Preferred call time
- Other Information: Any additional information you voluntarily provide via form comments or during phone conversations
2b. Information Collected Through Interactive Tools and URL Parameters
When you use interactive features on our Site, such as the coverage amount slider, age selector, or carrier comparison tools, the selections you make (such as desired coverage amount, selected age, and carrier of interest) may be passed between pages of the Site via URL parameters. This data is visible in your browser's address bar and is included in your form submission if you proceed to request a quote. This information is used to personalize your experience and ensure your agent has context about the products and pricing you were reviewing.
2c. Information Collected Automatically
When you visit our Site, we may automatically collect certain technical information, including:
- IP address and approximate geographic location
- Browser type, device type, and operating system
- Pages visited, time spent on pages, and referral source
- Interactions with Interactive Tools (such as coverage amounts and ages selected)
- Cookies and similar tracking technologies (see Section 7)
2d. Information from Advertising Platforms
If you interact with our advertisements on Meta (Facebook/Instagram) or other platforms, we may receive limited information such as that you clicked on our ad, demographic information associated with your ad profile, and conversion data. We do not receive your full social media profile or post history.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To provide insurance quotes: Your personal information — including your date of birth, health information, and insurance preferences — is used by your dedicated licensed agent to prepare personalized insurance options. Your date of birth is used to calculate your exact age for accurate carrier quoting.
- To personalize your experience: Information collected through Interactive Tools and URL parameters (such as your selected coverage amount, age, and carrier interest) is used to pre-fill form fields, display relevant information, and ensure continuity as you navigate between pages on our Site.
- To contact you: Your phone number and email are used so your dedicated agent can reach you by phone call and/or text message to discuss your quote and coverage options.
- To process applications: If you choose to proceed with coverage, your information is submitted to the insurance carrier for underwriting and policy issuance.
- To improve our services: Aggregated, non-identifiable data may be used to improve our website, Interactive Tools, marketing, and customer experience.
- To comply with legal obligations: We may use your information as required by applicable laws, regulations, or legal processes.
- To manage our business operations: Your information is stored in our customer relationship management (CRM) system and secure data storage for record-keeping and operational purposes.
4. How We Share Your Information
We do NOT sell your information. We do NOT share your information with lead aggregators, third-party marketers, other insurance agents, call centers, or any entity that would contact you for marketing purposes. Period.
We may share your information only in the following limited circumstances:
- Your Agent: You will work directly with a single, licensed insurance agent (the owner and operator of Pillar Final Expense) for the purpose of providing you with an insurance quote and servicing your policy.
- Insurance Carriers: If you decide to apply for coverage, your information is submitted to the insurance carrier(s) for underwriting and policy issuance. Each carrier has its own privacy policy governing how they handle your data.
- Service Providers: We use third-party tools to operate our business, including but not limited to: Zapier (form data processing), Google Sheets (secure data storage), and our CRM system (customer relationship management). These providers are contractually obligated to protect your data and may only use it to perform services on our behalf.
- Legal Requirements: We may disclose your information if required by law, subpoena, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
5. Data Storage and Security
Your personal information is stored using industry-standard security measures, including:
- 256-bit SSL encryption on all form submissions
- Secure, access-controlled cloud storage (Google Workspace)
- Access restricted to your licensed agent only — Pillar Final Expense is a sole proprietorship operated by one licensed agent
- Regular review of security practices
While we implement commercially reasonable security measures, no method of electronic storage or transmission over the Internet is 100% secure. We cannot guarantee absolute security of your data.
6. Telephone Consumer Protection Act (TCPA) and SMS Disclosure
By submitting a quote request form on our Site, clicking a "call" button, or otherwise providing your phone number and consent, you expressly agree to receive telephone calls and/or text messages from your dedicated licensed agent at the phone number you provided. You understand and agree that:
- Calls and text messages may be made for the purpose of discussing life insurance options, providing quotes, confirming appointments, and servicing any policy you may obtain
- Only one person will contact you — the licensed agent who owns and operates Pillar Final Expense. You will not receive calls or texts from multiple agents, call centers, or third parties
- Message frequency varies. Message and data rates may apply.
- You may revoke your consent at any time by replying STOP to any text message, notifying your agent directly, or contacting us at contact@pillarfinalexpense.com or (928) 668-8368
- For help with text messaging, reply HELP or contact us at the email or phone number above
- Your consent is not a condition of purchasing any product or service
7. Cookies and Tracking Technologies
Our Site may use cookies and similar technologies for the following purposes:
- Essential Cookies: Required for the Site to function properly (e.g., form submission, navigation)
- Analytics Cookies: Help us understand how visitors interact with our Site (e.g., pages visited, time on site)
- Advertising Cookies: Used by Meta (Facebook) Pixel and similar tools to measure the effectiveness of our advertising campaigns and deliver relevant ads. These cookies may track your activity across websites.
You can control cookie preferences through your browser settings. Disabling certain cookies may affect Site functionality. For information about opting out of interest-based advertising, visit the Digital Advertising Alliance at optout.aboutads.info or the Network Advertising Initiative at optout.networkadvertising.org.
8. Meta (Facebook) Advertising
We use Meta Platforms (Facebook and Instagram) to advertise our services. In connection with this:
- We may use the Meta Pixel on our Site to measure ad performance and create audiences for future advertising
- We do not share your personal contact information (name, phone, email) with Meta for advertising purposes
- Meta's own data practices are governed by Meta's Privacy Policy
- You can manage your ad preferences on Facebook via Ad Preferences
Our advertisements are clearly identified as solicitations for insurance. All claims made in our advertisements regarding pricing, coverage, and services are subject to the disclaimers and disclosures on our Site.
9. Data Retention
We retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, including to comply with our legal, regulatory, and business obligations. Specifically:
- Quote request data (including contact information, health information, date of birth, and insurance preferences) is retained for as long as necessary to service your inquiry and any resulting policy, and for a minimum of seven (7) years to comply with insurance regulatory record-keeping requirements
- Policy-related data is retained for the duration of the policy and for the legally required period following policy termination or expiration
- Technical data (IP addresses, browser data, cookie data) is generally retained for up to 24 months
You may request deletion of your personal information at any time by contacting us (see Section 14). Deletion requests will be honored subject to applicable legal retention requirements.
9a. Sensitive Personal Information
Certain information we collect — including your date of birth and health-related information — is considered sensitive personal information. We take extra care with this data:
- Date of birth and health information are collected solely for the purpose of facilitating insurance quoting and underwriting
- This information is only shared with insurance carriers if you choose to apply for coverage
- Access to sensitive data is restricted to your assigned licensed agent only
- We do not use sensitive personal information for marketing, advertising, or any purpose unrelated to your insurance consultation
9b. Do Not Track Signals
Some web browsers transmit "Do Not Track" (DNT) signals. Our Site does not currently respond to DNT signals because there is no industry-wide standard for how websites should respond to these signals. However, you can manage your tracking preferences through browser settings and the opt-out mechanisms described in Section 7.
10. Your Rights
All Users
- Access: You may request a copy of the personal information we hold about you
- Correction: You may request that we correct inaccurate information
- Deletion: You may request that we delete your personal information, subject to legal retention requirements
- Opt-Out of Communications: You may opt out of receiving calls or emails at any time by contacting us
California Residents (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:
- The right to know what personal information we collect, use, and disclose
- The right to request deletion of your personal information
- The right to opt out of the "sale" or "sharing" of personal information — we do not sell or share your personal information as defined by the CCPA/CPRA
- The right to non-discrimination for exercising your privacy rights
To exercise any of these rights, contact us at contact@pillarfinalexpense.com or call (928) 668-8368. We will respond to verifiable requests within 45 days.
11. Children's Privacy
Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete such information promptly.
12. Third-Party Links
Our Site may contain links to third-party websites (e.g., insurance carrier sites). We are not responsible for the privacy practices of these third-party sites. We encourage you to review their privacy policies before providing any personal information.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this page periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.
14. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:
Pillar Final Expense
Email: contact@pillarfinalexpense.com
Phone: (928) 668-8368
Hours: Monday – Saturday, 9:00 AM – 7:00 PM EST