Last Updated: October 18, 2026
Jay A. Cohen, The Ocala Insurance Guy, respects your privacy. This Privacy Policy explains how information is collected, used and handled through theocalainsuranceguy.com.
Information We Collect
When you contact us, request information or ask for an insurance consultation, we may collect your name, email address, telephone number, preferred contact time, insurance interests and any message or other information you voluntarily provide.
We may also collect technical and referral information associated with website visits and form submissions, including IP address, submission date and time, source page, referring page, campaign information and information used to evaluate whether a submission is legitimate.
How We Use Your Information
We use information to respond to inquiries, discuss requested insurance services, arrange appointments, prepare for consultations, maintain business records, understand website performance and protect the website against spam, fraud and misuse.
Information may also be used to meet applicable insurance, licensing, legal, regulatory and recordkeeping obligations. Submitting an inquiry does not obligate you to purchase insurance or guarantee coverage or eligibility.
We do not sell personal information collected through this website.
Contact Forms, Lead Records and Spam Prevention
Website inquiries may be stored in our internal lead-management system and delivered through our email services so that we can respond and maintain appropriate records. Records may include contact details, messages, referral information, follow-up status and security or validation results.
We use automated checks to identify potentially unwanted or abusive submissions. These checks may consider submission timing, technical information, information entered into the form and similarities to previous submissions. A submission may be flagged, grouped with related submissions or archived for review. These classifications are used for website security and inquiry handling, not insurance underwriting decisions.
Archiving a submission removes it from active handling but does not necessarily delete the underlying record. If you believe a legitimate inquiry was not received or answered, please contact us again using the contact information below.
Life Insurance Needs Calculator
The Life Insurance Needs Calculator can be used without providing your name, email address or telephone number. Calculator entries are processed within your browser to produce an educational estimate. They are not submitted to us through the calculator unless you choose to share your summary when requesting a consultation.
If you choose to share your summary, we may receive and retain the financial estimates and planning choices included in it together with your contact information. These may include household expenses, continuing income, debts, future financial needs, legacy or charitable goals, existing insurance, available resources and the estimated coverage need.
We use a voluntarily shared summary to prepare for and respond to your consultation request. You can use the calculator without sharing the summary.
IUL Funding and Illustration Calculator
The IUL Funding and Illustration Calculator does not require your name, email address or telephone number. Its calculations and illustration-review inputs are intended to be handled within your browser rather than submitted as an insurance application or inquiry.
If you separately send us calculator results or information from a carrier illustration through an appropriate communication method, we may use and retain that information to respond to your request. Do not send policy numbers, account details or other sensitive information through ordinary website forms.
Using either calculator does not make the website visit invisible to ordinary analytics or server-security systems. Information about a page visit or interaction is different from the financial figures entered into a calculator. Calculator entries and contact-message contents should not be included in analytics reports.
Both calculators provide general educational information. Results are not insurance quotes, carrier illustrations, guarantees or individualized insurance, investment, tax or legal advice.
Planned Appointment Scheduling and Chatbot Features
We are developing appointment-scheduling and chatbot features. This section describes their intended use; it does not mean these features are currently available. We will review this policy against their actual operation before activation.
When offered, these features may request your name, telephone number and email address to help arrange an appointment and provide related scheduling communications. The chatbot may also answer general insurance questions and help direct you to the appropriate website resource or contact form.
These features are not intended to request Social Security numbers, policy numbers, financial account details, detailed medical information or other sensitive personal information. Please do not enter such information into a chat conversation or scheduling field.
Before activation, we will confirm how conversations and appointment information are transmitted, stored and handled by any scheduling or AI service providers, and update these disclosures as needed. We will not represent that a chatbot cannot receive personal information merely because it does not ask for it.
Insurance and Sensitive Personal Information
This website primarily provides educational information and facilitates initial communication.
Please do not submit Social Security numbers, financial account information, detailed medical records, Medicare numbers, insurance identification numbers or other highly sensitive information through ordinary website forms, chat features or standard email. When such information is necessary, we will direct you to an appropriate secure method.
Insurance applications, enrollment, underwriting and policy servicing may require additional information through separate systems operated by insurance carriers, enrollment platforms or other authorized providers. Those organizations have their own privacy notices and information-handling practices.
Service Providers and Information Sharing
We use service providers for website hosting, email delivery, communications, analytics, security and related business operations. These services may process information necessary to perform their functions.
When you pursue an insurance product or service, information needed for your request may be provided to an insurance carrier or another authorized provider, or you may submit it directly through that provider’s systems.
We may also disclose information when required by law or reasonably necessary to respond to lawful requests, investigate misuse, protect rights or address security threats.
Cookies and Google Analytics
This website uses Google Analytics to help us understand how visitors find and use the site. Analytics can include page views, referral sources, device and browser information and interactions with website features. Google Analytics may use cookies or similar identifiers to distinguish visits and measure activity.
For information about Google’s collection and processing of data, please read How Google uses information from sites or apps that use its services.
You can manage cookies through your browser settings. Disabling cookies may affect some website functions. Google also offers a Google Analytics opt-out browser add-on for supported browsers.
We also use website and server-security records to investigate errors, prevent abuse and maintain reliable operation.
Social Media, Newsletters and External Services
We maintain business content on external platforms, including social media services and Substack. If you visit those platforms, subscribe to a publication or interact with our content there, the platform may collect information under its own privacy policy.
We may receive messages, comments, subscriber information made available by the platform or performance reports about our content. Information you make public on those services may be visible to others. Please use our contact form or an appropriate private communication method for individual insurance matters.
A website inquiry is not, by itself, a request to subscribe to a newsletter. If we offer email subscriptions or marketing communications, we will explain the relevant choices and how to unsubscribe.
Links to carriers, government agencies, enrollment services and other external websites are provided for convenience. Those organizations operate independently and maintain their own terms and privacy practices.
Information Retention
We retain information for purposes such as responding to inquiries, providing requested services, maintaining appropriate business records, preventing repeated abuse and meeting applicable legal or insurance-related obligations.
Retention depends on the type of information, its purpose, any ongoing relationship or dispute and applicable requirements. Archived records and backup copies may remain after information is removed from active use. We do not promise immediate deletion from every system or backup.
Data Security
We use reasonable administrative and technical measures to help protect information against unauthorized access, disclosure, alteration or destruction. No method of internet transmission or electronic storage can be guaranteed completely secure.
Your Privacy Choices
You can choose whether to submit an inquiry, share a calculator summary or use optional services. You may contact us about information you have provided and request access, correction or deletion where applicable.
We may need to verify your identity before acting on a request. Some information may need to be retained for insurance, licensing, legal, security or recordkeeping purposes. Please do not send sensitive identity documents through ordinary email unless we arrange an appropriate secure method.
Children’s Privacy
This website is not directed toward children under 13, and we do not knowingly seek personal information directly from children under 13. If you believe a child has provided personal information through this website, please contact us.
Changes to This Privacy Policy
We may update this policy to reflect changes in website features, services, business practices or applicable requirements. The Last Updated date identifies the most recent revision. Material changes in information handling may require additional notice or choices.
Contact Us
For privacy questions or requests, please use our Contact Form or email info@theocalainsuranceguy.com.
Jay A. Cohen
The Ocala Insurance Guy
theocalainsuranceguy.com