Privacy Policy

Summit Insurance of Florida Life Insurance Services Effective Date: April 4, 2026

Summit Insurance of Florida is committed to protecting your privacy and handling your personal information with care and transparency.

Summary This Privacy Policy explains how Summit Insurance of Florida collects, uses, shares, and safeguards your personal information when you inquire about, apply for, or purchase life insurance through us. We comply with the Gramm-Leach-Bliley Act (GLBA), Florida insurance regulations, and all applicable federal and state privacy laws.

Information We Collect

We collect the following types of information to provide life insurance quotes, applications, and policy services:

Personal Information

Name, residential address, phone number, email address, and date of birth
Beneficiary and family information

Financial and Employment Information

Income details, employment history, and occupation

Health and Medical Information (critical for life insurance underwriting)

Medical history, current health conditions, medications, and lifestyle factors (e.g., smoking, exercise)
Information from medical exams, attending physicians, or other healthcare providers (with your authorization)

Website Usage Information

IP address, browser type, device details, and pages visited
Cookies and similar technologies for site functionality

Information from Third Parties

Data from life insurance carriers, medical information bureaus, consumer reporting agencies, and other authorized sources (only with your consent or as permitted by law)

How We Use Your Information

We use your information solely for life insurance-related purposes, including:

Providing accurate quotes and helping you compare life insurance options
Processing and underwriting life insurance applications
Communicating with you about your policy, premiums, and important updates
Servicing your existing life insurance policy (e.g., beneficiary changes, claims support)
Complying with legal, regulatory, and underwriting requirements
Improving our website and customer service experience
Preventing fraud and protecting the security of our systems

We do not use your information for unrelated marketing or sales of other insurance products.

How We Share Your Information

We do not sell your personal or health information. We share it only as necessary and permitted by law for life insurance purposes with:

Life insurance carriers and underwriters to obtain quotes, underwrite applications, and issue policies
Service providers who assist us (e.g., secure document platforms, email services) under strict confidentiality agreements
Medical or consumer reporting agencies and healthcare providers (with your authorization)
Regulatory agencies or law enforcement when required by law

All third parties are required to protect your information and use it only for the authorized purpose.

Cookies and Tracking Technologies

Our website uses essential cookies to improve functionality and your browsing experience. You can manage or disable cookies through your browser settings. We do not use tracking technologies for targeted advertising.

Data Security

We use industry-standard administrative, technical, and physical safeguards to protect your sensitive information — especially health and financial data — from unauthorized access, disclosure, or misuse. While we strive for the highest level of security, no system can guarantee absolute protection.

Your Rights and Choices

You have the right to:

Access and review the personal and health information we hold about you
Request corrections to any inaccurate information
Ask us to limit or delete your information (subject to legal and regulatory retention requirements for life insurance)
Opt out of receiving marketing communications at any time

To exercise these rights or for questions, contact us directly (details below). For health information obtained during underwriting, additional rights may apply under applicable laws.

Children’s Privacy

Our services and website are not directed at children under 18. We do not knowingly collect personal information from minors for life insurance purposes.

Changes to This Privacy Policy

We may update this policy occasionally to reflect changes in our practices or legal requirements. The revised version will be posted here with a new effective date. Please review it periodically.