Last updated: June, 2026
At FinalExpenses, protecting your personal information is as important to us as protecting your family's financial future. This policy explains how we collect, use, and safeguard your data.
FinalExpenses Insurance Services ("FinalExpenses," "we," "us," or "our") operates the website www.finalguard.com (the "Site") and provides final expense insurance referral services to consumers in the United States.
This Privacy Policy describes how we collect, use, disclose, store, and protect your personal information when you visit our Site, fill out a quote request form, call us, or otherwise interact with our services. This policy applies to all visitors, users, and others who access our Site or services.
By using our Site or services, you consent to the collection and use of your information as described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Site.
Important: FinalExpenses is an independent insurance agency — not an insurance carrier. When you submit a quote request, your information may be shared with licensed insurance carriers and agents to provide you with policy options. Each carrier has its own privacy policy governing their use of your data.
We collect information that you provide directly to us, information collected automatically when you use our Site, and information from third-party sources.
Personal Identification
Full name, date of birth, gender, Social Security Number (in some cases for underwriting)
Contact Information
Mailing address, phone number, email address
Insurance Preferences
Desired coverage amount, state of residence, beneficiary information
Health Information
Answers to health questionnaire questions (e.g., "Do you have diabetes?")
Communications
Recorded phone calls (with your consent), chat transcripts, emails, and any information you provide when contacting customer service
We use the information we collect for the following purposes:
To Provide Insurance Quotes
Process your quote requests and match you with appropriate final expense insurance plans from our carrier partners.
To Communicate With You
Respond to your inquiries, follow up on quote requests, provide policy information, and send service-related notifications via phone, email, text, or mail.
To Process Applications
Submit applications to insurance carriers, facilitate underwriting, and manage the policy issuance process.
To Improve Our Services
Analyze Site usage, optimize user experience, develop new features, and improve our marketing and service delivery.
For Marketing & Advertising
Send you promotional communications (with your consent where required), retarget ads, and measure advertising effectiveness. You can opt out at any time.
For Legal & Compliance
Comply with federal and state insurance regulations, prevent fraud, verify identity, and meet legal obligations.
We do not sell your personal information. We may share your information in the following circumstances:
| Shared With | Purpose | Data Shared |
|---|---|---|
| Insurance Carriers | Quote processing, application submission, underwriting | Name, DOB, contact info, health answers, coverage preferences |
| Licensed Agents | Provide personalized quotes and assist with applications | Name, phone, email, state, coverage amount |
| Service Providers | Website hosting, analytics, CRM, email delivery, call recording | Varies by provider; data is shared under strict confidentiality agreements |
| Advertising Platforms | Ad delivery, conversion tracking, retargeting | Encrypted user IDs, device info; NOT name, SSN, or health data |
| Legal & Regulatory | Compliance with law, fraud prevention, regulatory audits | As required by applicable law or legal process |
State-Specific Notice: If you reside in a state with specific insurance privacy laws (such as California under the CCPA, or states with their own insurance data privacy regulations), additional rights and disclosures may apply. See the "Your Rights" section below.
We use cookies, web beacons, pixels, and similar tracking technologies to enhance your experience and collect information about how you use our Site.
Strictly Necessary
Always ActiveRequired for the Site to function — session management, form submissions, security features. Cannot be disabled.
Analytics
OptionalHelp us understand how visitors interact with our Site (e.g., Google Analytics). We use this data to improve our services.
Advertising & Retargeting
OptionalUsed to deliver relevant ads and measure ad effectiveness (e.g., Google Ads, Meta Pixel). These cookies may be set by third parties.
Preference & Functionality
OptionalRemember your preferences and settings (e.g., language, state selection) to provide a more personalized experience.
You can also manage cookies through your browser settings. Note that disabling certain cookies may affect Site functionality.
We implement industry-standard security measures to protect your personal information, including:
256-bit SSL/TLS Encryption
All data transmitted between your browser and our servers is encrypted.
Secure Server Infrastructure
Data stored on SOC 2 Type II certified servers with firewall protection.
Access Controls
Role-based access with multi-factor authentication for employees.
Regular Audits
Periodic security assessments and vulnerability scans.
No method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.
Depending on your state of residence, you may have the following rights regarding your personal information:
Right to Access
Request a copy of the personal information we hold about you.
Right to Correct
Request correction of inaccurate or incomplete personal information.
Right to Delete
Request deletion of your personal information, subject to legal retention requirements.
Right to Portability
Request your data in a structured, machine-readable format.
Right to Opt Out of Sale/Sharing
We do not sell your data, but you may opt out of certain sharing for advertising purposes.
Right to Opt Out of Marketing
Unsubscribe from marketing emails at any time using the link in our emails, or contact us directly. Note: we may still send service-related communications.
California Residents (CCPA)
Under the California Consumer Privacy Act (CCPA), California residents have additional rights including the right to know what personal information is collected, the right to delete, and the right to non-discrimination for exercising your rights. To submit a verifiable consumer request, please contact us at info@finalexpenses.com or call (844) 759-7966. We will respond within 45 days as required by law.
Our Site and services are not directed to individuals under the age of 18. Final expense insurance is available only to individuals aged 45–85. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information promptly. If you believe we have inadvertently collected information from a minor, please contact us immediately.
Our Site may contain links to third-party websites, including insurance carrier websites, government resources, and other third-party services. These third-party sites have their own privacy policies, which we encourage you to review. FinalExpenses is not responsible for the privacy practices or content of any third-party websites. The inclusion of a link on our Site does not imply our endorsement of the linked site or its operators.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:
Your continued use of our Site or services after changes are posted constitutes your acceptance of the updated Privacy Policy. We encourage you to review this page periodically for any changes.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Privacy Inquiries
privacy@finalguard.com
Phone
(800) 123-4567
Hours
Mon–Fri, 8AM–8PM EST
Mailing Address
FinalExpenses Insurance Services
Attn: Privacy Department
1234 Insurance Blvd, Suite 500
Tampa, FL 33602
For CCPA Requests: Please include "CCPA Request" in your subject line and verify your identity with your name, address, and email associated with your account.
Get a free, no-obligation quote in under 2 minutes. Your information is always kept secure and private.