Privacy Policy

Horizon Life Partners LLC (“HLP,” “we,” “us,” or “our”) is a licensed insurance agency operating in the State of Texas. We are committed to protecting the privacy and security of the nonpublic personal information we collect in connection with the insurance products and services we offer.

This Privacy Policy is provided in compliance with the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq., Chapter 601 of the Texas Insurance Code, and 28 TAC Chapter 22 (Texas Department of Insurance Financial Information Privacy Rules). It applies to all consumers and customers who seek, obtain, or have obtained insurance products or services from HLP.

This policy applies to:

• Consumers: Any individual who contacts us to obtain, or has obtained, an insurance product or service — including individuals who submit an application, even if no policy is issued.
• Customers: Consumers who have an ongoing relationship with HLP, including policyholders and their named beneficiaries.

This policy does not apply to information collected from businesses, corporations, or individuals seeking products for commercial or agricultural purposes.

We may collect the following categories of nonpublic personal information:

• Identification information: name, date of birth, Social Security number, address, phone number, email address.
• Financial information: premium payment history, bank account or payment method details (used only to process payments).
• Application information: information you provide when applying for coverage, including beneficiary designations and relationship information.
• Transaction information: records of insurance products purchased, policy numbers, and payment records.
• Website information: IP address, browser type, and pages visited on our website, collected via cookies and similar technologies.

We do not collect health information through our website. Health information, if collected in connection with insurance products, is governed separately under Chapter 602 of the Texas Insurance Code and applicable federal law.

We use the information we collect to:

• Process your insurance application and issue, service, or renew your policy.
• Communicate with you about your policy, account, or services.
• Comply with legal and regulatory requirements.
• Prevent fraud and protect the security of our systems and your information.
• Improve our website and customer experience.
• Send you relevant information about products or services, where you have provided consent.

We do not sell your nonpublic personal information. We may share your information only in the following circumstances:

• With our insurance carrier partner(s), to process applications, issue policies, and service your account.
• With service providers who assist us in operating our business (such as payment processors or technology providers), who are contractually required to protect your information.
• As required by law, including in response to lawful requests from the Texas Department of Insurance or other regulatory or law enforcement authorities.
• With your consent.

Your Opt-Out Right: You have the right to direct us not to share your nonpublic personal financial information with non-affiliated third parties, except as permitted by law. To opt out, contact us using the information in Section 9 below. Your opt-out direction remains in effect until you revoke it in writing or electronically.

We maintain physical, electronic, and administrative safeguards designed to protect your nonpublic personal information from unauthorized access, use, or disclosure. These include:

• Secure transmission of data via encrypted channels (SSL/TLS).
• Restricted access to personal information to authorized personnel only.
• Training of staff on privacy and data security obligations.

While we take reasonable precautions, no method of transmission over the internet is 100% secure. We encourage you to take steps to protect your personal information when communicating with us online.

Our website uses cookies — small data files placed on your device — to analyze traffic and improve your experience. We use this data only for internal, statistical purposes. You may decline cookies through your browser settings; however, doing so may limit certain website functionality.

We do not use cookies to collect personally identifiable information without your knowledge.

Our website may contain links to third-party websites, including our insurance carrier partner(s). We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Under applicable Texas and federal law, you have the right to:

• Request a copy of the nonpublic personal information we hold about you.
• Request correction of inaccurate information.
• Opt out of sharing your nonpublic personal financial information with non-affiliated third parties.

To exercise any of these rights, contact us at:

As required by 28 TAC Chapter 22, we will provide customers with an annual privacy notice as long as a customer relationship exists. If our privacy practices change in a material way, we will provide you with a revised notice and, where required, a new opportunity to opt out.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on our website with a revised effective date. We encourage you to review this page periodically.

HLP is licensed by the Texas Department of Insurance. For consumer information about insurance in Texas, visit:

• Texas Department of Insurance: www.tdi.texas.gov
• Prepaid Funeral Contracts (Office of the State Banking Commissioner): www.prepaidfunerals.texas.gov
• Federal Trade Commission (GLBA information): www.ftc.gov