Legal Notice & Disclaimers

​

Who we are

​

1 Mission for Life…Annuities, Life and Health Insurance Services website is owned and operated by 1 Mission for Life…Annuities, Life and Health Insurance Services, Inc., a California corporation and approved by the California State Department of Insurance.

​

Website Disclaimer

​

The purpose of our website is to provide information about 1 Mission for Life…Annuities, Life and Health Insurance Services, Inc, (referenced as 1 Mission hereforth) the products and services we provide, and additional information that you may find beneficial. We are an insurance agency, not an insurance company, we DO NOT issue annuity, life or health insurance contracts nor bind coverage.

​

We provide general insurance information from “Insurance Companies”. Insurance quotes from a range of insurance companies are provided when customers request insurance coverage (in states we are licensed) while we attempt to fulfill those requests through applications to insurance companies not all applicants receive approvals.

​

Our website does not provide detailed information or interpretation of specific insurance contracts, policies and/or policy language, and is not designed to be a substitute for such information in terms of claims handling and/or settlement. For complete coverage information, please refer to the applicable specific policy in its entirety, including all applicable endorsements.

​

Information submitted to our agency via this website will be used for insurance application purposes only. All information is managed in a confidential manner. Requests for information, completion and/or submission of an application(s) does not constitute the purchase of insurance, nor does it represent any agreement to provide coverage under any insurance policy provider we work with.

​

No new coverage will be bound or added to an existing “in force” policy, nor an existing “in force” policy be altered or changed as a result of submitting a request for information or quotation of insurance. Only coverage that has been approved by the binding insurance company an application has been submitted to and confirmed bound by 1 Mission will be considered bound. New policy coverage is also subject to an acceptable signed application and receipt of the proper payment, if applicable, while meeting the underwriting guidelines of the Insurance Company providing coverage.

 

Disclaimer of Warranties

The visitor/user of this website understands and assumes all risk associated with using this website and the internet in general. The owners of 1 Mission and its associates, agents, employees and officers disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement. 1 Mission has the right to delete, change or update any data, information or material included on the website without prior notice.

​

1 Mission does not warrant that the any information and material and or data included on the website or within the Internet will be error free or uninterruptible and that any data and or information or other material accessible from this website is free of viruses or other harmful components.

​

Disclaimer of Liability

​

Under no circumstances shall the owners of 1 Mission or its associates, agents, employees and officers be liable for any compensatory, direct or indirect, incidental, exemplary, consequential or special damages. In addition, any damages whatsoever resulting from loss of use, loss of or misuse of data and or information; loss of profits incurred from or in connection with the use or performance of the data, information or material included in this web site or on the Internet in general or on any other basis.

​

The user/visitor understands that any information contained on the 1 Mission website supplied by any author, publisher and or distributor are not rendering legal, accounting or other professional advice on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. It is the responsibility of the user/visitor to evaluate and confirm any and all information found on the website. We advise you consult your own legal and or tax advisor with respect to your personal circumstances.

​

The 1 Mission owners, associates, agents, employees and officers are not securities licensed; therefore, any investment related advice is to be for general informational purposes only. We do not provide stock market, mutual fund, EFT or any other type of investment direction or advice.

​

Disclaimer of Third-Party Links

​

This website may contain links to third-party websites not directly affiliated with nor controlled by 1 Mission, therefore, 1 Mission is not responsible for any content, privacy policies or practices on these sites and the user/visitor assumes all risks associated with visiting the third-party site. We advise you review the third-party websites privacy policies.

​

Disclaimer of Communications

​

1 Mission and the Insurance companies may use one or more formats of communication such as email, cell phone texting, typed hard copy documents, faxes, telephone and or voice mail, it’s the user’s sole discretion to choose a preferred format when communicating.

​

1 Mission will send email confirmations for acknowledged receipt of emails, faxes or hard copy documents for faster service. All other communications will be in the same format as received from the sender. 1 Mission will attempt to make contact to verify receipt of communications sent to perspective clients.

​

Although 1 Mission and its service providers take security measures, there is a risk of information being intercepted over the internet or cell phones intentionally or unintentionally. Therefore, anyone sending information over any medium assumes the liability of such and 1 Mission disclaims any and all liability of such consequences.

​

Privacy Policy

 

Introduction

​

1 Mission for Life…Annuities, Life and Health Insurance Services is a family-owned insurance services corporation in California. We’ve been helping clients since 2015, educating them on alternative ways of saving for retirement, tax strategies, transferring wealth, creating legacies, business benefits and protecting what matters most, life, property and assets.

Per the Department of Insurance for the State of California, we are required to adhere to a strict set of laws and policies set forth by the insurance companies we work with. You can access the state website here; http://www.insurance.ca.gov

CA License #: 0I86562 -  CA License #: 0K01348 – AK License #: 100160080 – NV License #: 3637078 - NV License #: 3665003

 

​

Privacy Policy Summary

​

It is 1 Mission for Life’s Initiative’s policy to never sell, rent, or trade any of our user's contact information and personal information, including email or mailing address lists. User data is securely stored in compliance with PCI and SSA16 standards.

​

What Kinds of Information Does 1 Mission for Life… Annuities, Life and Health Insurance Services Collect?

​

The kinds of information collected by 1 Mission for Life can be divided into two categories — passive data and active data.

 

Passive data is the information that is shared with us automatically by the device that is connecting to our website. Without this data we would be unable to deliver content to our users in a secure and efficient manner. Passive data is also used to create anonymous statistics which help us to identify how often resources are used, to ensure that these resources remain accessible, and to efficiently plan and maintain the infrastructure needed to operate our websites and mobile applications. Examples of passive data include:

​

• Log data — Standard website security and access logs are used to secure and maintain our websites and mobile applications. Aggregate log data may also be used for anonymous statistical and trending analyses.

• Cookie and browser local storage data — Information which is stored on your computer or mobile device to allow us to securely deliver services like streaming audio and information like website maintenance notifications. 

 

Active data is the information we request from our users in order to serve them better. Active data is collected when you interact with our website to customize the tools and services or provide information for services which require us to be able to contact you. Examples of active data include:

​

• Personal information – This is required to submit applications to insurance companies for approval and underwriting. This information is only taken electronically (see our disclaimer of communications) via email, cell phone text, fax, typed hard copy document, telephone or in person. Typically this information is collected during a face-to-face meeting.

​ 

California Do Not Track Disclosure

​

As a small family-owned organization with limited resources, 1 Mission for Life does not currently have a technological infrastructure in place to identify and provide alternative processing rules for traffic from web browsers which provide a do-not-track (DNT) data signal.

 

Gramm- Lech Bliley Act

 

1 Mission for Life gathers certain financial information for the purposes of assessing a person’s financial structure and health. We do not rent, share, sell, market or trade this information to any company. Some not all pertinent financial information is provided to insurance companies for which an application has been submitted to per the request of the potential client, this is necessary for suitability purposes. See the disclaimer on communications for information gathering methods.

 

Health Insurance Portability and Accountability Act (HIPAA)

 

As a health insurance service, we’re required to gather basic information on behalf of the insurance company. We do not rent, share, sell, market or trade this information to any company. The information is provided to the insurance company only. During the application process the insurance company will provide the  HIPAA notice in writing to the client.

 

 

How / When Is Data Shared with Insurance Companies?

 

As an insurance services provider, we only submit personal or financial information to insurance companies when an applicant has agreed to and signed an application. In today’s world most insurance companies have gone the digital path allowing us to submit applications via the insurance company website agent portal which those companies have spent millions of dollars providing security measures to ensure the data is not intercepted, hacked and or compromised. In certain cases a sensitive document may be hand delivered to or acquired from the insurance company.

 

How / When Is Data Shared with Third-Party Companies?

 

As a small family-owned organization, we sometimes find it necessary to partner with outside organizations in order to provide the most secure and convenient services to our users. As previously stated however, we will never sell, rent, or trade any of our user's contact information, including email or mailing address lists or other personally identifiable information. The following services and scenarios detail how and when information is shared with third party, or external organizations:

​

• Aggregate Statistics — A standard practice for nearly every major website and mobile application, aggregate statistical data is used to assess and enhance the many ways that we serve our users.

 

What Sorts of Safeguards Are in Place to Protect Data?

​

We employ many safeguards to protect the privacy and security of our users and data, including secure socket layer (SSL) communication channels, data encryption, and pseudonymization, along with a secure infrastructure for protecting the systems and services where user data is stored and processed.

 

Your Privacy Rights and Choices

 

Good security requires a partnership of trust and understanding. In order to provide you with the best level of protection, we would like to remind you of the following options and tools you have available which can help you ensure your privacy and security:

​

If you are a citizen of a country that is a part of the European Union and are covered in the scope of General Data Protection Regulation (AKA the "GDPR") you have the following designated rights in regards to your personal data.

​

• Right of Access — The ability to request confirmation if your personal data is being processed and how (Article 15 GDPR).

• Right to Rectification — The ability to rectify or correct inaccuracies in your personal data (Article 16 GDPR).

• Right to Erasure — The right to obtain erasure of personal data. Commonly know as the "right to be forgotten" (Article 17 GDPR).

• Right to Restriction of Processing — The ability define and restrict the processing of personal data (Article 18 GDPR).

• Right to Data Portability — Data concerning the data subject is to be exported in a common, machine readable format (Article 20 GDPR).

• Right to Object — To object to processing personal data, in a given situation (Article 21 GDPR).

 

Users residing within the European Union Member States are encouraged to review their rights defined by the General Data Protection Regulation (GDPR) here.

​

Return Policy

​

1 Mission for Life is a service organization working as agents for insurance companies and any monies collected are made out to those companies therefore, we don’t refund monies directly. However, we act as your representative and work with the insurers to recoup any funds submitted as quickly as possible.

​

Changes to the Privacy Policy

​

We reserve the right to amend our privacy policy at any time without notice, in order to enhance the level of service we provide to our users and maintain compliance with the regulatory bodies where our services are used.

​

Data Retention

​

Data which is collected by 1 Mission for Life is maintained securely for as long as the data is deemed necessary and relevant to the servicing of our clients.

​

Contact by Mail

​

1 Mission for Life may occasionally send products and communications to users who provide physical mailing address contact information within the United States and Canada.

​

Contact by E-Mail

​

We only send emails when provided an email. If the client no longer wishes to receive emails simply contact us by email or phone and we will arrange a new form of communication. For more information see our disclaimer on communications.

 

Questions and Requests regarding Your Privacy at 1 Mission for Life… Annuities, Life and Health Insurance Services

 

For further questions concerning how your online privacy is protected at 1 Mission for Life, please submit a request for more information through our contact form here.​