Privacy & Disclaimers

Privacy & Disclaimers

  1. Applicability
    This Statement of Privacy and Security applies to all information gathered or maintained by Retirement Insurance Specialists. This includes information transmitted to us by email, telephone, fax, or otherwise by one of our affiliates or agents. This site may contain links to other sites. We are not responsible for the privacy practices, the security measures, or the content of any such web site.
  2. Your Privacy
    We are committed to protecting your privacy. We do not sell, trade or rent your personal information to others.

    Questions regarding this statement should be directed to:, or by writing to:

    Retirement Insurance Specialists
    attn: Privacy Officer
    2181 E Pecos Road Ste 2
    Chandler, AZ 85225
  3. Disclosure of Personally Identifiable Information
    1. What Can I Do Without Disclosing Any Information?
      Many of our services are available to you without entering any personal information: you can get a no-obligation online quote for certain types of insurance, learn about our products and insurance providers, and receive guidance on what types of policies and products are right for your individual needs. In order to actually purchase a policy, however, we require you to provide us with certain personally identifiable information.
    2. Why Do I Need to Submit Personal Information?
      Because coverage benefits and premiums for insurance policies are affected by your individual traits and circumstances, we ask you to disclose personally identifiable information when you purchase a plan online, by phone or by fax, and when you complete an online form to request a personalized quote for a product that does not have an automatic online quote engine. Our goal is to allow you to quickly and easily purchase the insurance products that best fit your needs without jeopardizing your privacy and security in any way. We ask you to disclose personal information in order for us to:
      • Provide you with the insurance policies and/or protection plans that best meet your unique needs and preferences.
      • Verify that your applications and/or purchase orders are received and accurately processed by the appropriate insurers and/or plan administrators.
      • Maintain accurate records about who you are and where you learned about us.
      • Maintain accurate policy records and a personal profile for your secure access via the Web.
      • Deliver important materials to you pertaining to your selected policies and/or plans.
      • Contact you and/or your designated contacts directly should the need arise.
    3. What Kinds of Information Will I Have to Provide?
      1. Personal Information
        This may include your name, address, date of birth, gender, telephone numbers, and medicare information.
      2. Other Personal Information Required for Coverage
        Depending on the plan and coverage options you wish to purchase, additional information may be required about you and each additional person to be covered under the same policy or plan, or for whom you are purchasing a separate policy or plan. For each additional person to be covered you may be required to provide the same mandatory personally identifiable information you disclosed about yourself. You may be required to disclose your Social Security Number in order to purchase certain plans.
      3. Health Information
        Some insurance plans require you to submit certain personal information concerning your medical history in order to process your request. This includes, but is not limited to, your height, weight, and medical history (for diagnoses of heart condition, anemia, high blood pressure, diabetes, cancer, and other health conditions). We do not maintain records of your personal health information, nor do we make any other use of the information other than to pass it along to the insurer who will provide the policy to you.

        If you begin an application for a plan that requires medical information, we will store your application in a secure location to facilitate completion of the application. If, after a reasonable time you have not completed the application or contacted us to keep your file open, that information will be deleted. We reserve the right to store your health information associated with specific policy applications for our records as necessary and as mandated by state and federal law. Any changes to the Statement of Privacy and Security will be posted immediately on this site, and you should always review the statement prior to submitting information.
    4. What Do You Do with this Information?
      We take the information that you provide and deliver it to the insurance provider/administrator that you have selected so that they can process your application.
    5. Will Any of the Personal Information Collected be Disclosed to Outside Parties?
      The insurance companies and plan administrators who administer your plan(s) will receive your information for the purpose of fulfilling your purchase order(s) and providing plan services. We do not divulge, sell, trade or rent your personal information to others. We may provide aggregate statistics about our customers, sales, traffic patterns, and related site information to reputable third-party vendors, but these statistics will include no personally identifying information.
    6. How Do I Remove My Information from Your Database?
      If you do not wish to receive marketing email from us, or if you decide you no longer wish to receive our newsletter, you can remove yourself from our distribution lists at any time by:

      1. sending an email request for removal to
      2. writing to us at
        Retirement Insurance Specialists
        attn: Privacy Officer
        2181 E Pecos Road Ste 2
        Chandler, AZ 85225.
  4. What Happens When I Apply For A Policy Online or Through Your Call Center?
    1. How is the Information that I Send to You Protected?
      All of the information that you transmit to us electronically, including personally identifiable information disclosed during registration and other personally identifiable information provided during the online purchase process, is securely protected using SSL (Secure Socket Layer) 128-bit encryption. VeriSign, the world's leading provider of Internet trust services, provides the digital certificate enabling us to employ SSL encryption. Furthermore, we have implemented strict policy guidelines to safeguard the privacy of your personally identifiable financial information from unauthorized access or improper use, and we will continue to enhance our security procedures as new technology becomes available.
    2. How Do You Ensure the Security of the Information Once I Give it to You?
      Application information provided to our representatives or entered online is encrypted before being placed within our database.
  5. What are Your Children's Guidelines?
    We do not knowingly collect online contact information or personally identifiable offline contact information about children from children.

    We do not entice children by the prospect of a special game, prize or activity, to divulge any information about themselves for any reason. We do not permit children under the age of thirteen (13) to register with our sites, as we do not knowingly accept or store personally identifiable information submitted by children younger than thirteen, nor do we respond to, promote to, market to, or communicate with children known to be younger than thirteen years old.

    However, some personally identifiable information about children must be disclosed by parents or guardians or their designated agents when such persons are engaged in the process of requesting quotes and/or making online purchases of insurance and/or travel assistance plans intended to cover and/or apply to said children.
  6. Consent
    By submitting information on our web site, you consent to the collection and use by us of the information you disclosed in accordance with this Statement of Privacy and Security. If we decide to change our privacy and/or security policies, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

    Questions regarding this statement should be directed to: