Privacy Policy

Full RU/UK translation is coming; the English version governs. · Полный перевод появится позже; действует английская версия. · Повний переклад з'явиться згодом; діє англійська версія.

Who we are

INSUR.LIVE operates two connected surfaces: insur.live, the website of INSUR LIVE LLC, a national health coverage education and navigation company, and the Health Coverage Map, a free, education-only tool that explains health-coverage rules in plain language. The Health Coverage Map is publicly available at map.insur.live. It does not sell insurance, does not recommend specific plans, and does not name insurance carriers. What you do after seeing your result is your choice.

What the Health Coverage Map collects

• Answers you provide (state, ZIP code, household composition, approximate income, coverage dates) — used to build your coverage picture.
• If you choose to save your result: the email address or phone number you enter, your saved answers (so your map can be rebuilt under current rules when you return), and your notification preferences. Immigration-related answers are handled separately under stricter internal controls and are never included in save links, URLs, or shared content.
• Washington State: sessions are not recorded; saving is not available for Washington sessions.
• Basic technical logs needed to run and protect the service (for example, rate-limiting counters).

We do not sell your information or share it with third parties for their marketing.

Feedback you send us

Both insur.live and the Health Coverage Map carry a service area at the bottom of public pages where you can report an error or something unclear. If you send a message there, we receive the text you wrote, the address of the page you were on, the interface language, the time, the type you optionally selected, and — if you started from a highlighted passage — that passage.

Dictation is optional. Audio is never sent to us and never stored by us: only the text you see in the field reaches our servers. The speech recognition itself is performed by your browser, and in some browsers that means the sound is processed on the browser maker's servers, under their terms.

Leaving a contact is optional. If you leave one, we use it to get back to you about what you reported, and it is delivered to our team through a messaging service, which means it is stored there as well. We do not use feedback contacts for marketing and we do not sell or share them. To have a message and its contact deleted, email support@insur.live.

How long we keep it

Saved results are kept until you ask us to delete them, so that your map can be recalculated when rules change. Save links themselves expire after a period of time for security; your saved record remains until deletion.

Your choices

• Delete my data: email support@insur.live from the address you saved with, and we will delete your saved record and contact information.
• Stop notifications: use the unsubscribe link in any email, reply STOP to any text message, or email us.

SMS / Text Messaging Program ("INSUR.LIVE Save & Recheck Notifications")

If you opt in by entering your phone number in the save form and checking the consent box, we may send you:

• a one-time link to open your saved coverage map, and
• only if you separately check the reminder box — a short note when the rules or key dates behind your saved map change, including a personal reminder shortly before a key date that affects your result.

• Message frequency varies (typically 1 message per save request; rule-change and reminder notes are occasional).
• Message and data rates may apply.
• Reply STOP to cancel at any time. Reply HELP for help, or contact support@insur.live.
• Consent to receive text messages is not a condition of using the service.
• You can withdraw consent at any time — reply STOP to any message, or email support@insur.live.
• Mobile opt-in data and consent are not shared with or sold to third parties or affiliates for marketing purposes.

A second, separate program: "INSUR.LIVE Policy & Account Alerts"

INSUR LIVE LLC operates a second, separate text-message program under the same brand, called "INSUR.LIVE Policy & Account Alerts". It is not part of the Health Coverage Map. It sends messages about an existing policy and account service, and - only with a separate opt-in - plan and enrollment information.

The two programs are independent: opting in to one does not opt you in to the other, and replying STOP to one stops only that program. Message frequency varies. Message and data rates may apply. Reply STOP to cancel at any time. Reply HELP for help, email support@insur.live, or call +1 (305) 775-3215. Consent is not a condition of purchase. Mobile carriers are not liable for delayed or undelivered messages. Mobile opt-in data and consent for this program are not shared with or sold to third parties or affiliates for marketing purposes.

How you opt in to this program is different from the Save & Recheck program above. Consent is collected in writing, as part of a document you sign electronically when you apply for or service a policy - not through a form on this website. The exact wording, and both consent boxes, are reproduced at insur.live/policy-alerts.

Text delivery for this program is being activated with our messaging carrier. Full terms: insur.live/sms-terms

Contact

INSUR LIVE LLC · 1100 Brickell Bay Dr, Miami, FL 33131 · (305) 775-3215 · support@insur.live