Balanced explanation
For an applicable recommendation, we explain relevant favorable and unfavorable information, material limitations and reasonable alternatives.
CLICKAID INSURANCE AGENCY
Your rights and our safeguards
Insurance decisions deserve balanced information, privacy and time to ask questions.
Your Privacy Comes First
We do not sell your personal information.
How your information is used
Your information is used only to provide and service your insurance options, including obtaining quotes, processing applications and helping with your coverage.
Necessary sharing
Your information may be securely shared only as necessary with authorized insurance carriers, BackNine, underwriting/service providers, or as required by law.
Exploring and booking
You can explore the guided questions without entering your name, email or medical details. Broad discovery answers are saved on this device so you can continue later. Choosing “Change path / clear answers” removes that saved progress.
The appointment scheduler is provided by Google. Information you enter there is also subject to Google’s Privacy Policy. Do not put medical details, Social Security numbers, policy numbers, banking information or identity documents in the booking form or ordinary email.
Questions about your privacy?
Use the CLICK-AID contact information at the top or bottom of this page to ask about how your information is handled.
Current documents
Product-specific forms and illustrations must come from the current approved carrier process. A website summary never replaces the issued policy.
Controlled information
Do not send medical details, Social Security numbers, banking information or identity documents through ordinary email.
No forced next step
Keeping existing coverage or taking no action can be appropriate. A compliance hold cannot be overridden by a sales goal.
Safeguards built into the process
Best interest
We explain both benefits and drawbacks and why a recommendation fits your needs.
Replacement
Existing coverage is reviewed before any replacement, and a possible replacement stops the ordinary application flow.
Life disclosure and illustrations
Guaranteed and non-guaranteed values are separated and explained using approved materials.
Producer compensation transparency
We disclose our role and that compensation may be paid by an insurer; more detail is available on request.
Privacy
Sensitive information is collected only when necessary and shared only through an authorized process.
Cybersecurity
We use controlled systems and do not request medical, Social Security or banking information in ordinary email.
Advertising
Educational material is identified as such; product claims require current approved sources.
Sales conduct
No pressure, misleading comparison, unlawful incentive or discriminatory treatment.
Records
Required records are retained securely and corrections remain auditable.
Accident and health disclosure
Health and disability limitations, exclusions, waiting periods and renewability are explained before enrollment.
Accelerated death benefits
Accelerated benefits can reduce remaining policy values and death benefits; exact terms control.
Juvenile life
Coverage on a child requires proper consent, ownership and amount review.
Military sales
Military-related sales receive additional protections and review.
Consumer reports and MIB
When reports are used, notices and authorizations are provided through the approved carrier process.
Electronic records and delivery
Electronic delivery is optional; consumers may request paper where the law permits.
Calls and texts
Marketing consent is separate from buying insurance and can be revoked.
Commercial email
Marketing emails identify the sender and include a working unsubscribe method.
AML and fraud escalation
Transactions may require identity and source-of-funds review through the insurer’s secure process.
Sanctions
Coverage and payments remain subject to applicable sanctions law and insurer review.
Employer benefits
The employer or plan administrator—not the insurance website—controls plan documents and participant notices.
Accessibility
People may request accessible help or an alternative format; no timed, voice-only or drag-only response is required.
Protected health information
Health information is collected only through the authorized secure process.