Last updated: 3.19.2024

This Privacy Policy outlines how Emobenefits (“we”, “us,” or “our”) collects, uses, shares, and secures your personal information in connection with our website, mobile applications, and other digital properties linking to this Privacy Policy (collectively, the “Sites”), as well as how we provide the Sites, educational materials, insurance coverage estimates and quotes, insurance brokerage services, estate planning tools, and other services (the “Services”) more broadly. It encompasses information collected from and about you in connection with your use of the Sites and Services, as well as from other sources, such as over the telephone with our representatives or from third parties in connection with our Services, excluding External Sites (as defined below). By utilizing the Sites and Services, you consent to the data practices described in this Policy.

As providers of Services involving the use of personal – and sometimes sensitive – information, safeguarding the confidentiality of that information is paramount. We assure you that we will never sell your personal information, and we employ industry standard technical, physical, administrative, and organizational controls to ensure the security and confidentiality of your data.

Our Gramm-Leach-Bliley Act (“GLBA”) Privacy Notice pertains to personal information we collect, use, and share concerning offering you financial products or services (including insurance products and services), whether obtained through our Sites, over the telephone, from third parties, or by any other lawful means. Please refer to the GLBA Privacy Notice for information about your rights regarding the information collected in connection with seeking, applying for, or obtaining insurance products or services from us.

We reserve the right to modify this Privacy Policy at any time and undertake such steps as required by applicable law to notify you of any material changes. Your continued use of the Sites or Services subsequent to the update and notification signifies your consent to our updated policy.

I. How and Where We Collect and Use Your Information

You can access some of the Sites as a mere browser (referred to as a “Visitor”) or by utilizing the Sites and Services after creating and maintaining an account, such as when seeking, applying for, and/or purchasing one or more products through the Sites (referred to as a “Member”).

Additionally, you may become a Member by furnishing us with information (as detailed below) when seeking, applying for, and/or purchasing one or more insurance products over the telephone with one of our representatives.

In this Privacy Policy, both Visitors and Members may be referred to as “users,” “you,” or “your.” Please note that some of our Services are exclusively available to Members.

1. Sources of Information

The types and sources of personal information we collect vary depending on the Service utilized, your interactions with us and our Sites, and/or how you were referred to us. These may include:

Information provided directly by you, such as using our online tools, completing applications or forms, or engaging in transactions and communications with us, our representatives, or our business partners (e.g., through telephone conversations, emails, text messages, or chats).

Information obtained from third parties, including consumer, credit, and/or other reporting agencies; Referral Partners (as further described below); insurance carriers; and medical or healthcare providers.

Information generated through your interaction with our Sites, as well as from social networks or other third-party platforms you may use to access our Sites and Services (see “Establishing an Account” and “Social Features” below).

2. Types of Information We Collect and How We Use It:

For Site Users:

We gather “Usage Information,” which may encompass details about the technical mechanisms you employed to access the Sites, such as your browser and operating system type; the link that directed you to our Sites; data points aiding our analytics functions and informing us about your navigation within our Sites; particulars regarding your mobile device type and device ID; and your IP address.

The Usage Information is utilized to scrutinize, analyze, and enhance our Sites and Services, ensuring their smooth functionality across various technologies utilized by our Visitors and Members. Besides providing analytics concerning the demographics of our Sites users, we leverage your IP addresses to adhere to legal requirements applicable based on your location.

Newsletters:

Visitors and Members have the option to subscribe to email newsletters by furnishing their first and last name, along with their email address. We gather and utilize data concerning your interaction with Newsletter communications (e.g., whether you view or click on those communications).

Marketing:

In conjunction with our marketing campaigns, we gather and utilize data about your engagement with our marketing communications (e.g., whether you view or click on marketing emails) to ensure that the products and offers we inform you about are pertinent to your interests.

Email and Chat:

Visitors and Members can engage with us via email or chat on the Sites by providing their first and last name, as well as their email addresses. We utilize this information to deliver products and services tailored to your needs. Additionally, Members may share further personal information with us during chat or email interactions related to the Services. We may collect this data to facilitate the provision of Services, such as completing an insurance application.

Customer Surveys and Reviews:

We may invite you to participate in customer reviews and surveys. Should you choose to participate, we may request certain personal information. Participation in these surveys is entirely voluntary, and you have the option to disclose this information or not. Typically, the requested information includes your first and last name, contact details (such as email or address), and demographic information (such as zip code).

We utilize this information to assess our customer service quality, as well as to test and enhance our products, Sites, and Services. Subject to your consent, we may use your first and last name, along with your survey responses, on our Sites, in marketing materials, or on our social media platforms. Additionally, with your consent, we may share your information with a third-party service provider to assist in resolving issues or making improvements related to their services.

Establishing an Online Account:

You can create an online account on the Sites by providing your first and last name, along with your email address. When creating your account, you may need to set up a password (together with your name and email address, collectively referred to as “Login Credentials”). You may also choose to provide your telephone number during the account creation process. We may use your email address and telephone number to communicate with you regarding the Services and products you have requested.

Furthermore, you have the option to log in via a social network or other third-party platform (such as Facebook or Google). If you choose this method, we may collect information from the platform, such as your social network alias, email address, first and last name, country of residence, language preference, and profile picture. We will use this information as outlined in this Privacy Policy. Our collection and handling of the information obtained from third-party platforms are subject to the requirements imposed by these platforms in their respective terms and conditions. We encourage you to review the privacy policies of such third-party platforms to understand their information collection, use, and disclosure practices.

Getting Insurance Estimates

If you choose to use the Sites and Services to receive an insurance estimate, you will become a Member and will be required to provide us with additional personal information we use in connection with providing the estimate. This may include (depending on the type of insurance) your age, gender, zip code, marital status, employment status, risk tolerance, living situation details, property and vehicle ownership information, family information such as number of children and number of pets, whether you are a homeowner or a renter, your income, amounts of your savings and debts, and general details about your current insurance coverage (collectively, “Estimate Information”), as well as contact information including your first and last name, email address, and telephone number (“Contact Information”).

If you choose to access the Services, receive an insurance estimate, and become a Member over the telephone, you will need to provide the Estimate Information and Contact Information to one of our representatives over the telephone.

We use the Estimate Information to return results to you that assess your current coverage and/or provide recommendations for insurance products. We use the Contact Information to contact you regarding insurance products and Services.

Getting Quotes & Applying for Insurance

To get an insurance quote and apply for an insurance policy, in addition to the Estimate Information described above, you may need to supply additional information, such as your date of birth, gender, occupation, social security number, address, smoking status, height and weight, family medical history, health history, driving history, and your citizenship status (collectively with Estimate Information, “Application Information”).

“Account Information” will include your Login Credentials, together with your Estimate Information, Contact Information, and Application Information.

Banking and Credit Card Information

If you submit a credit card payment through our Services, for example, to purchase insurance coverage, we do not store credit card information on our own servers or associate it with your Account Information for any purpose other than completing your purchase.

If you submit bank account information, for example, purchase insurance coverage, that bank information is stored on our servers in encrypted form and is accessed and used to complete your insurance application or purchase.

If you submit credit card or other payment information via DocuSign, or a service similar to it, it will be temporarily stored in encrypted form on DocuSign’s servers, and we will use the payment information to securely transmit your payment information to the carrier.

Carrier and third-party services have their own banking and credit card information disclosures. It is up to the individual or companies to review them.

Policy Information

If you apply for insurance, we may collect information about your application or policy from the insurance carrier, for example, your policy or application status, payment information, claim information, or Application Information provided directly to the carrier. The Policy Information is used to service your insurance application and/or policy and to provide you with the Services and products you have requested.

Other Uses of Personal Information on our Sites and Services

In addition to the above, we may use your personal information to:

• Otherwise provide, improve, maintain, or optimize the Services;

• Help underwrite and provide accurate insurance premium rate quotes;

• Provide insurers with the required information for applications;

• Provide or offer other financial and consumer products and services from partners with whom we have entered into a joint marketing or affiliate agreement;

• Provide, maintain, and improve customer service;

• Tailor your experience with the Services to your interests;

• Develop and improve the Sites and the Services;

• Respond to your inquiries;

• Communicate with you regarding the insurance products that you purchased through the Sites as well as other products and services that may be of interest to you; and

• In addition, we may aggregate your personal information with our other users’ personal information and use that information for benchmarking and analysis purposes.

• Provide personal information to third-party websites in order to provide an insurance quote or start coverage

Use of Personal Information for Compliance and Protection

We may use your personal information to:

• Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;

• Protect our, your or others’ rights, privacy, safety, or property (including by making and defending legal claims);

• Audit our internal processes for compliance with legal and contractual requirements and internal policies;

• Enforce the terms and conditions that govern the Services; and

• Prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.

Cookies and Online Tracking Technologies

Our Sites use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer our Sites, track users’ movements around our Sites, and gather demographic information about our user base.

Cookies are small pieces of software or text placed on your computer when you visit a website. They are used to store information on web browsers and to store and receive identifiers and other information on computers, telephones, and other devices. They may include data we store on your web browser or device, identifiers associated with your device, and other software. In this Privacy Policy, we refer to all these technologies that store or reference data on your device as “cookies.” If you visit from a mobile device, we may reference your device identifier or other information about where your visit originated. Certain cookies used on our Sites last for ninety or more days.

We use cookies to:

• Recognize you on return visits and, if you have an account – expedite the login process, help verify and authenticate your account, and help detect fraud;

• Show ads and make recommendations for products and services;

• Measure the performance of ad campaigns;

• Serve and measure ads across different browsers and devices; and

• Conduct web analytics on the usage of our Sites and Services.

Web beacons (also sometimes called “clear GIFs,” Pixel tags, or action tags) are small files stored and/or served on a website, app, advertisement, or in an email that collect, track, or transmit data point back to us or to a third party. For example, we use a web beacon to assess whether an email message has been opened.

We use web beacons to facilitate advertising and functionality on our Sites, as well as:

• Associate our users with the reports they provide about satisfaction with our Sites and Services;

• Administer and monitor email campaigns;

• Analyze the portions of our Sites that are used most often by our Visitors, as well as how visitors interact with our Sites;

• Perform testing on our Sites;

• Optimize interaction with our data stores;

• Improve the functionality and usefulness of our support and support chat functions;

• Analyze the efficacy of our own advertising campaigns;

• Customize the content displayed to you on our Sites and Services;

• Organize and administer other web beacons and cookies on our Sites;

• Conduct web analytics on the usage of our Sites and Services; and

• Enable, improve, and effect targeted and re-targeted advertising for our advertising partners on both our Sites and their third-party sites such as Facebook.

In some cases, the above web beacons’ functions may be performed by custom HTML in our Sites’ code.

We may use cookies and/or web beacons to track if, and when, a user abandons a purchase before it is complete and attempt to re-engage that user for the same or a similar purchase, as well as making offers for related purchases to that user.

To learn more about how to opt-out of certain cookies and tracking technologies, see the Online Tracking Opt-Out Guide section below.

Web browser do not track (DNT) – Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. We do not currently have the ability to recognize Do Not Track signals. You can learn more about Do Not Track signals at https://allaboutdnt.com/ 

When We Share Specific Information

We may share your information with:

• Insurance Carriers – We may share personal information, including Application Information, to obtain quotes and submit and process insurance applications. This includes quote engines, like Insxcloud.com.

• Service Providers and Contractors – We may share your personal information with service providers for the purpose of providing you the Services. Additionally, we may partner with other companies to process, analyze, and/or store data, including, but not limited to, analytical data. These companies may access your personal information for the purposes of providing services for us.

• Referral Partners –  If you were referred to us by a business partner (such as another financial services company or another insurance agent or broker), or submitted a request for quotes or an application for insurance through a business partner, we will share your information, including Application Information, with that business partner as necessary to honor the terms of our agreement with that business partner and to provide you the requested products and services.  For example, if you were referred to us by a mortgage provider because you need homeowners insurance in connection with a mortgage application, we may, under the terms of our agreement with that partner, share information about the status of your application, your policy number when issued, and other information about your policy.

2. When We Share Information Generally

We share the information we collect generally:

1. For Marketing Purposes: We may share your information for marketing purposes pursuant to joint marketing arrangements. If you no longer wish to receive our marketing communications, you can opt out at any time by contacting us at hello@emobenefits.com with the subject line “unsubscribe,” or by using the unsubscribe link provided in any of our communications. If you want to opt out of receiving marketing communications from our joint marketing partners, you’ll need to opt out directly with those partners.

2. With Certain Third-Party Vendors: We may share your information with certain third-party vendors who help us administer the Sites and/or Services. This includes vendors who store and host our content or your data, perform analytics on our Sites and Services, and provide operational and marketing assistance to us.

3. Through Your Requests: We may share certain information with third parties at your request, such as through your use of social media widgets or login integrations.

4. With Marketing-Related Business Partners: We may share information with marketing-related business partners to gather insights about your interactions with our products and services, enabling us to better advertise to you and customize our offerings.

5. With Corporate Affiliates: We may share information with corporate affiliates, including parent companies, subsidiaries, joint ventures, or other entities under common control with us.

6. With Counterparties in Corporate Events: In the course of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the personal information we hold may be part of the transferred assets.

7. As Required by Law: To the extent permitted by law, we may disclose information when required by law, in response to a court order or other government or law enforcement authority, or whenever we believe that disclosing such information is necessary or advisable to protect our rights, property, or safety, or that of others.

Social Features

Certain features of the Services allow you to initiate interactions between the Services and third-party services or platforms, such as social networks (“Social Features”). These Social Features enable you to click and access our pages on certain third-party platforms, like Facebook and Twitter/X, or other social platforms, and interact with content on those platforms by liking, sharing, or performing equivalent actions.

When you use Social Features, it may involve the collection and/or use of information about you by third parties, which will be governed by the privacy policies of those platforms. Any information you post or make accessible through Social Features may be publicly displayed by the third-party service you are using. Both we and the third party may have access to information about you and your use of both the Services and the third-party service.

How We Secure Your Information
We maintain commercially reasonable administrative, physical, and technical safeguards designed to prevent any unauthorized use, access, destruction, loss, alteration, or disclosure of your data.

While we take commercially reasonable steps to protect your data we cannot guarantee perfect security – no internet-based service can. No security system is impenetrable. Despite our security measures, we cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.

Users From Outside The U.S.
EmoBenefits provides its Sites and Services for use by U.S. residents, and U.S. law, and not the laws of other countries, govern these Sites and Services. If you are visiting the Sites or any of the Services, your information will be maintained in the U.S. and in other locations where we may process data. EmoBenefits only conducts business where they are licensed.

By default, we disable the submission of personal information to our Sites from users using European Union and United Kingdom IP addresses, regardless of whether the user is an E.U. or U.K. citizen or using a VPN device. If you need access to your account and are using an E.U. or U.K. IP address, please email hello@emobenefits.com with (i) a description of the access and/or help you need, and (ii) an express consent to use any personal information in our possession to respond to your request. Please use the subject line – UK Access.

Children
We do not knowingly collect personal information from children under the age of 13. If you are under 13, please do not give us any personal information and do not use the Sites or Services. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us immediately, and we will delete that information from our databases.

However, we do collect information for anyone looking to get insurance coverage, regardless of age. A parent, guardian, or allowed individual can apply for coverage for a minor.

Job Applicants
When you visit the careers portion of our Sites, we collect information that you provide to us in connection with your job application. This includes business and personal contact information, professional credentials and skills, educational and work history, and other information of the type that may be included in a resume. This may also include diversity information that you voluntarily provide. We use this information to facilitate our recruitment activities and process employment applications, such as by evaluating a job candidate for an employment activity, and monitoring recruitment statistics. We may also use this information to operate and improve the Services, and as otherwise necessary for compliance, fraud prevention, and safety purposes.

External Sites
The Sites may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you through the Services (“External Sites”), but we do not endorse, and we are not responsible for the content of any linked External Sites or for the privacy practices of the third parties that own and operate such sites. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information, as those terms and policies govern your use of such External Sites.

How to Opt-Out
If you wish to opt-out of the use of your personal information by our Services, we are happy to assist you. Please email us at hello@emobenefits.com – subject line: opt-out, and let us know what you wish to opt-out of. Please be advised that certain uses and sharing of your information may be required to continue providing certain Services to you, and that you will not be entitled to any refund if your removal of personal information will make certain prepaid Services unavailable to you.

Please note that under certain federal regulations, including the GLBA, you may not be able to opt out of the use and sharing of your personal information, in connection with seeking, applying for, or obtaining insurance products or services from us. For more information on such financial products, and our data practices, please review our GLBA Privacy Notice.

Additional Information For California Residents
If you are a California resident, California law requires us to provide you with some additional information regarding how we collect, use, and share your “personal information” (as defined in the California Consumer Privacy Act of 2018, as amended (the “CCPA”)).

Certain federal and state financial regulations, including the GLBA, the California Financial Information Privacy Act (“FIPA”), and certain federal and California health privacy laws govern the information you have provided in seeking, applying for, and/or obtaining insurance products or services, and that information is therefore not subject to the CCPA. Because of this, in this section of our Privacy Policy, we provide disclosures and information for California residents regarding the limited personal information we collect that is subject to the CCPA.

California residents who have established business relationships with us may choose to opt out of us sharing their personal information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your personal information to third parties for their direct marketing purposes, please send an email to hello@emobenefits.com – Subject line: CA Opt-Out.

Emobenefits is not a law firm, tax advisor, or investment advisor. We provide access to self-help services at your direction. We do not provide legal, tax, or investment advice or representation. This service and our forms are provided for your personal use and are not a substitute for the advice or services of a qualified lawyer, tax consultant, or investment advisor. Communications between you and Emobenefits are governed by our Privacy Policy but are not protected by the attorney-client privilege or similar protections. Your access to and use of Emobenefits is subject to our Terms of Service.

Emobenefits is not an insurance company. We are a benefits and insurance brokerage firm. We provide access to insurance products and services through various insurance carriers and providers. We do not underwrite insurance policies or assume any insurance risk. Our role is to assist individuals and businesses in finding and obtaining suitable insurance coverage tailored to their needs. Communications between you and Emobenefits are governed by our Privacy Policy. Your access to and use of Emobenefits is subject to our Terms of Service.

Emobenefits is dedicated to ensuring equal access to our products and services for all individuals, regardless of their technology or abilities.

We are dedicated to ensuring that our websites and digital assets are accessible to all individuals to the best of our abilities. Despite our diligent efforts, we recognize that there may be areas where we fall short of this objective. Therefore, we actively encourage feedback from our users to help us pinpoint areas for improvement.

By utilizing our website, services, or products, you agree to provide us with a 90-day notice should you encounter any accessibility issues before pursuing any legal action. This approach demonstrates our commitment to resolving any concerns in good faith and ensuring accessibility for all users. Your feedback is crucial in enabling us to uphold our dedication to inclusivity, and we deeply appreciate your cooperation and assistance in this endeavor.

If you encounter any difficulties accessing content or using features on any Emobenefits website or digital asset due to a disability, our licensed sales agents are available to assist you. You can reach out to us by emailing hello@emobenefits.com or calling us at (602) 845-0765 for prompt assistance.

To help us assist you effectively, please provide the following information:

1. Description of your accessibility issue
2. Preferred format for receiving the material
3. Web address or location of the content you’re trying to access
4. Your contact information

EmoBenefits employs industry-standard tools and controls to maintain the confidentiality and security of customer data both during transmission over the internet and while stored in our systems. We also rely on our insurance partners to do their part in securing your personal information.

As an independent insurance broker, EmoBenefits operates under the umbrella of an insurance agency to meet state requirements and ensure transparency in our operations. We receive commissions from insurance companies for each sale, which are already incorporated into the price of the insurance policy. Our compensation may vary depending on factors such as the type and size of the product, the insurer, and the volume of business we conduct with them.

If you’d like to know the commission we would earn on a specific insurance policy available in our marketplace, please don’t hesitate to ask. We believe in transparency and are here to ensure you have all the information you need to make informed decisions about your insurance coverage.

Below are our trusted partners, Combined Insurance, a notice of privacy practices as required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) in addition to the HIPAA Transaction Standard Companion Guide. Emobenefits and its subsidiaries, also follow the guidelines as established by Combined Insurance and our other trusted financial partners.

The HIPAA EDI Transaction Standard Companion Guide explains the procedures necessary for Trading Partners of Combined Insurance to transmit Electronic Data Interchange(EDI) transactions.

This HIPAA health insurance Companion Guide is not intended to replace the X12N Implementation Guides; rather it is intended to be used in conjunction with them. Additionally, the Companion Guide is intended to convey information that is within the framework and structure of the X12N Implementation Guides and not to contradict or exceed them.

This HIPAA insurance notice describes how certain medical information about you may be used and disclosed as well as your rights regarding this information.

HIPAA Policy (English)
HIPAA Policy (Spanish)

New York Residents / Policyholders
HIPAA Policy (New York – English)
HIPAA Transaction Standard Companion Guide
HIPAA Policy (New York – Spanish)

This website is operated by Emobenefits or one of its subsidiaries and is not the Health Insurance Marketplace® website. In offering this website, Emobenefits is required to comply with all applicable federal law, including the standards established under 45 CFR §155.220(c) and (d) and standards established under 45 CFR §155.260 to protect the privacy and security of personally identifiable information. We do not offer major medical/catastrophic health insurance products currently directly from the Federal Marketplace. Please speak with an EmoAdvisor to see if this has changed.

This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace® website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace® website at HealthCare.gov.

Legal Notices

General Notice Concerning Fraud

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.

The specific fraud warnings listed below are applicable in the following states that we are currently licensed in: Arizona, and Kansas. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.

INFORMATION PROVIDED ABOUT OTHER STATES IS DONE AS A COURTESY AND IS NOT INTENDED TO BE A SOLICITATION OF INSURANCE AS WE ARE NOT LICENSED IN THOSE STATES.

ALABAMA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

ALASKA: Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

ARKANSAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

CALIFORNIA: For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

COLORADO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

DISTRICT OF COLUMBIA: WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FLORIDA: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KENTUCKY: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

LOUISIANA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA: A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

NEW MEXICO: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

NEW YORK: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete, or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.

RHODE ISLAND: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

TEXAS: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

WASHINGTON: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.

WEST VIRGINIA: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

New York Notice of Protection for Victims of Domestic Violence
New York Insurance Law Section 2612 affords important protections for victims of domestic violence. This Law prohibits an individual, insurer, or entity supervised by the New York Department of Financial Services, from undertaking any of the following actions solely because a person is or has been a victim of domestic violence: (i) refuse to issue or renew, deny or cancel any insurance policy or contract; (ii) demand or require a greater premium or payment from any person; (iii) designate domestic violence as a preexisting condition, for which coverage will be denied or reduced; or (iv) fix any lower rate or discriminate in the fees or commissions of agents or brokers for writing or renewing such a policy. Under no circumstances may the fact that a person is or has been a victim of domestic violence serve as an underwriting criterion.

The description of New York Insurance Law Section 2612 provided above is only a summary of the law. The complete text is available on the New York State Legislature’s website.

The New York State Office for the Prevention of Domestic Violence’s website has additional information and resources. To contact the New York State Domestic and Sexual Violence Hotline, please call (800) 942-6906.

These state disclaimers are posted as a courtesy. It is up to the individual policyholder to know their local laws. We try to keep them updated, but new laws are updated frequently. Please check with your local state commissioner if you have any questions.

Individuals or entities engaged in selling, soliciting, or negotiating insurance transactions are typically required to obtain licenses in each state where they operate, known as insurance producers. Below is a summary of our licensure status on a state-by-state basis.

All insurance solicitations and applications are facilitated through Emobenefits, operating under various brand names. Horacio Sanchez, NPN:  8591689, serves as the Managing Partner and Designated Responsible Licensed Producer, with a licensure status outlined below.

Due to regulatory restrictions, certain Products and Services described on this website may not be available to all users. Additionally, the availability of Products and Services may vary by jurisdiction and may not be offered by all Emobenefits entities.

Unless explicitly stated otherwise, the information provided on this website does not constitute an offer to sell or a solicitation to buy any insurance product or service. No insurance product or service will be offered or sold by Emobenefits in any jurisdiction where such offer or solicitation would be unlawful.

Please reach out to a designated Emobenefits representative to inquire about the availability of Products and Services in your jurisdiction.

This website does not solicit insurance sales in any jurisdiction where Emobenefits or its subsidiaries are not licensed.

Managing Agent/Director: Horacio Sanchez, NPN: 8591689

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LICENSED STATES & NUMBERS

National Producer Number: 8591689

Arizona License Number: 8591689

Kansas License Number: 8591689

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Carrier Information
As an insurance broker, we partner with various insurance carriers to find the best fit for your financial needs. For information about a specific carrier, email us at hello@emobenefits.com with the subject line “CARRIER INFORMATION.”