Magnolia Legacy Life Effective Date: 7/1/2026 Last Updated: 7/22/2026
Magnolia Legacy Life ("Magnolia Legacy Life," "we," "us," or "our") respects your privacy. This Privacy Policy explains what information we collect through magnolialegacylife.com (the "Site"), through our forms, phone calls, text messages, and consultations, how we use that information, when we share it, and the choices you have.
By using the Site or providing information to us, you agree to this Privacy Policy. If you do not agree, please do not use the Site or submit information to us.
Contact: Magnolia Legacy Life 50 Corona Road East Brunswick, NJ 08816
Email: [email protected]
1. Who We Are
Magnolia Legacy Life is a licensed life insurance broker located in New Jersey. We help individuals and families evaluate and apply for life insurance products, including term life, whole life, indexed universal life (IUL), and policies with living benefit riders. We are not an insurance carrier. Insurance products are issued and underwritten by third-party insurance companies.
2. Information We Collect
a. Information You Give Us Directly
When you complete a form, request a quote, book a consultation, call or text us, or apply for coverage, we may collect:
Name, mailing address, email address, and telephone number
Date of birth, age, gender, and marital status
Household and family information, including dependents and intended beneficiaries
Health and other sensitive information
Employment, income, and general financial information
Existing insurance coverage and policy information
The products and coverage amounts you are interested in
Any other information you choose to include in a message to us
b. Health and Other Sensitive Information
If you move forward with an insurance application, we or the insurance carrier may collect health-related information, including medical history, prescription history, tobacco use, height and weight, and information from medical questionnaires, exams, or reports. Applications may also require your Social Security number and driver's license number for identity verification and underwriting.
We collect this information only when it is necessary to help you apply for or maintain insurance coverage, and we handle it as confidential.
c. Information Collected Automatically
When you visit the Site, we and our service providers may automatically collect:
IP address, browser type, device type, and operating system
Pages viewed, links clicked, referring website, and time spent on the Site
Cookies, pixels, and similar tracking technologies
d. Information from Third Parties
We may receive information about you from insurance carriers, marketing partners, lead sources, referral sources, consumer reporting agencies, and publicly available sources, in each case in connection with your interest in or application for insurance.
3. How We Use Your Information
We use the information we collect to:
Respond to your inquiries and schedule consultations
Prepare quotes and product recommendations
Submit and support insurance applications on your behalf
Communicate with insurance carriers and underwriters
Service existing policies, including beneficiary and coverage reviews
Send you information, updates, newsletters, and marketing communications you have requested or consented to receive
Operate, improve, secure, and analyze the Site
Comply with applicable insurance laws, recordkeeping requirements, and other legal obligations
Detect and prevent fraud or misuse
4. Text Message (SMS) Communications
If you provide your mobile number and consent to receive text messages from Magnolia Legacy Life, the following applies:
Program description. You may receive appointment reminders, follow-up messages, customer care messages, and marketing or promotional messages regarding life insurance products and services.
Message frequency. Message frequency varies.
Cost. Message and data rates may apply. Your mobile carrier is not liable for delayed or undelivered messages.
Opting out. Reply STOP at any time to end text messages. You will receive one confirmation message and no further messages unless you opt back in.
Help. Reply HELP for assistance, or contact us at [email protected].
Consent is not a condition of purchase. You are not required to consent to receive text messages in order to obtain a quote, purchase insurance, or otherwise do business with us.
Mobile information sharing. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors who provide support services, such as customer service providers or messaging platforms, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Email Communications
If you provide your email address, we may send you responses to your inquiry, service-related messages, and marketing emails. You may unsubscribe from marketing emails at any time using the link in the email or by emailing [email protected]. We may still send you non-marketing messages related to a pending application or an active policy.
6. How We Share Your Information
We do not sell your personal information. We may share your information as follows:
Insurance carriers, underwriters, and related entities. To obtain quotes, submit applications, and service policies, including insurance marketing organizations, general agencies, and reinsurers.
Service providers. Website hosting, customer relationship management, scheduling, email and SMS delivery, analytics, and administrative support vendors who are permitted to use the information only to perform services for us.
Professional advisors. Attorneys, accountants, and auditors as needed.
Legal and regulatory. Where required by law, subpoena, court order, or a request from a regulator such as the New Jersey Department of Banking and Insurance, or to protect the rights, safety, or property of Magnolia Legacy Life or others.
Business transfers. In connection with a merger, acquisition, or sale of all or part of our business.
With your direction or consent. For example, when you ask us to share information with a family member, financial professional, or beneficiary.
7. Cookies and Analytics
The Site uses cookies and similar technologies to remember your preferences, measure Site performance, and understand how visitors use the Site. We may use analytics and advertising services provided by third parties, which may set their own cookies and collect information about your browsing activity over time and across websites.
Most browsers let you block or delete cookies through your browser settings. Blocking cookies may affect how parts of the Site function. Our Site does not currently respond to "Do Not Track" browser signals.
8. Financial Privacy and Insurance Regulations
As an insurance agency, our handling of nonpublic personal information is also governed by the federal Gramm-Leach-Bliley Act and applicable New Jersey insurance privacy regulations. We restrict access to your information to individuals who need it to provide services to you, and we maintain physical, electronic, and procedural safeguards designed to protect it.
9. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please do not send Social Security numbers, medical details, or other sensitive information through unsecured email or web forms; contact us and we will provide a secure method.
10. Data Retention
We retain your information for as long as needed to provide services, comply with insurance recordkeeping and other legal requirements, resolve disputes, and enforce our agreements. Retention periods for insurance records are often several years after a policy or application ends.
11. Children's Privacy
The Site is intended for adults. We do not knowingly collect personal information directly from children under 13, and we do not knowingly market to minors. We may collect information about minor children when an adult provides it in connection with an insurance application, such as when naming a beneficiary or applying for coverage on a child. If you believe a child has provided us with personal information, contact us and we will delete it.
12. Your Privacy Rights and Choices
You may:
Request access to the personal information we hold about you
Request that we correct inaccurate information
Request deletion of information, subject to legal and recordkeeping requirements
Opt out of marketing emails and text messages
Withdraw consent where we rely on consent
Depending on where you live, you may have additional rights under state privacy laws, including the New Jersey Data Privacy Act, the California Consumer Privacy Act, and similar laws in other states. These may include the right to confirm whether we process your data, obtain a copy of it, correct or delete it, and opt out of targeted advertising, sale of personal data, or profiling. Some information held in connection with insurance transactions is regulated by other laws and may be exempt from these rights.
To exercise a right, email [email protected] or write to us at the address above. We may need to verify your identity before responding. We will not discriminate against you for exercising your privacy rights. If we deny your request, you may appeal by replying to our response, and depending on your state you may also contact your state attorney general.
13. Third-Party Websites
The Site may link to third-party websites, including insurance carrier sites and scheduling tools. We are not responsible for the privacy practices of those sites. Review their privacy policies before providing information.
14. Users Outside the United States
The Site is intended for residents of the United States. If you access it from outside the United States, you understand that your information will be processed in the United States, where privacy laws may differ from those in your country.
15. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last Updated" date above reflects the most recent version. Material changes will be posted on this page, and your continued use of the Site after posting constitutes acceptance.
16. Contact Us
Questions, requests, or complaints regarding this Privacy Policy:
Magnolia Legacy Life 50 Corona Road East Brunswick, NJ 08816 [email protected]