Privacy Policy

Last updated: August 15, 2026

PlanSmart.life is operated by Paul Aker, a licensed life insurance agent. This Privacy Policy explains how information is collected, used, protected, and handled when you visit PlanSmart.life, request insurance information, communicate with us, or use our services.

Information We Collect

We may collect information that you voluntarily provide to us, including:

Name
Telephone number
Email address
State of residence
Age or age range
Requested coverage amount or coverage preferences
Information you provide during communications about insurance products or applications
Records of communications and consent preferences

We may also collect technical information associated with your use of the website, such as IP address, browser information, referring source, form-submission data, and similar information used for website operation, security, analytics, and recordkeeping.

How We Use Your Information

We may use information collected through PlanSmart.life to:

Respond to your request for life insurance information
Communicate with you about coverage options
Assist with insurance inquiries and applications
Schedule or confirm conversations and appointments
Provide customer service and application-related updates
Maintain records of your communications and consent choices
Operate, secure, analyze, and improve this website and our services
Meet applicable legal, regulatory, carrier, and compliance obligations

Insurance Applications and Providers

If you choose to apply for insurance, information required for the application may be submitted to the insurance carrier, underwriting platform, or other service provider involved in processing or administering the requested insurance transaction.

Information requested during an insurance application may be governed by additional notices, authorizations, or privacy policies provided by the applicable carrier or service provider.

Text Messaging and Mobile Information

If you provide your mobile telephone number, you may separately choose whether to consent to marketing text messages, non-marketing text messages, both, or neither. Providing a telephone number does not by itself require you to consent to SMS marketing.

Mobile information is not provided to other companies or affiliates for their own marketing or promotional use.

Service providers that support functions such as customer service, communications, hosting, or message delivery may process information only as necessary to provide those services.

Text-message opt-in records and consent information are not provided to outside parties except the aggregators and service providers necessary to operate and deliver the text-messaging service.

SMS Consent

Consent to receive SMS messages is optional and is not a condition of purchasing insurance or receiving information about available coverage.

Message frequency may vary. Message and data rates may apply. You may reply STOP to an SMS message to opt out and HELP for assistance.

Service Providers

We may use service providers to perform functions necessary to operate the business, website, customer relationship systems, communications systems, analytics, insurance-application processes, or other business operations. These providers may process information only as reasonably necessary to perform services on our behalf or as otherwise permitted by law.

Data Security

We use reasonable administrative, technical, and organizational safeguards intended to protect personal information. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

Data Retention

We may retain personal information for as long as reasonably necessary to respond to your inquiry, provide requested services, maintain business and compliance records, resolve disputes, enforce agreements, or satisfy legal and regulatory obligations.

Your Choices

You may ask us to update or correct contact information that you have provided. You may also ask us to stop marketing communications.

For text messages, reply STOP to opt out. For assistance with text messaging, reply HELP.

Children's Privacy

PlanSmart.life is not directed to children under 18, and we do not knowingly solicit insurance inquiries from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any revised policy will be posted on this page with an updated effective date.

Contact

PlanSmart.life
Operated by Paul Aker
Licensed Life Insurance Agent
Phone: (808) 436-7021
Website: https://protect.plansmart.life

For SMS-related assistance, you may also reply HELP to a message received from us.

Terms & Conditions

Please also review our Terms & Conditions .