Legal

Privacy Policy

Last updated: May 26, 2026

This Privacy Policy explains what information Clearpath Life, LLC collects from you, how we use it, who we share it with, and the choices you have. It applies to our website, our phone and text communications, and any other interaction you have with us.

1. Who we are

Clearpath Life, LLC ("Clearpath Life," "we," "us," or "our") is an independent life insurance agency. We help individuals and families compare and apply for term life insurance from licensed third-party carriers. We are licensed in Tennessee, with non-resident license applications pending in Alabama, Florida, Georgia, Kentucky, Mississippi, and South Carolina.

Clearpath Life, LLC
101 Creekstone Blvd, Ste 100, PMB 739
Franklin, TN 37064
Phone: (866) 840-2756
Email: hello@getclearpathlife.com

2. What information we collect

We collect the following kinds of information:

  • Identifiers and contact info — first name, last name, email address, phone number, and mailing address (if provided).
  • Information you share when requesting a quote — age, state of residence, household income, mortgage or debt balances, existing coverage, tobacco use, general health status, and the type of coverage you're looking for.
  • Recorded phone calls — inbound and outbound calls with Clearpath Life may be recorded. We also store transcripts of those calls.
  • Conversations with our AI voice assistant — name, state, age, and any other information you share while speaking with the assistant. These conversations are recorded and transcribed.
  • Website activity — pages visited, buttons clicked, forms submitted, and similar event data collected via advertising pixels.
  • Cookies and similar technologies — including advertising-pixel cookies and analytics cookies set by our hosting and analytics providers.

The needs calculator on our marketing site does not store the values you enter unless you submit a form afterward.

3. How we collect information

  • Forms you submit on our website
  • Phone calls — inbound and outbound, which may be recorded
  • Conversations with our AI-powered voice assistant ("Bella"), which are recorded and transcribed
  • Cookies, tracking pixels, and similar technologies on our website
  • Information you voluntarily share during a conversation with us

4. How we use your information

We use the information we collect to:

  • Provide insurance quotes and present coverage options
  • Contact you about your insurance inquiry
  • Submit insurance applications to our carrier partners and follow up on those applications
  • Measure and improve the effectiveness of our marketing and advertising
  • Improve our website, services, and customer experience
  • Comply with applicable laws, regulations, and licensing requirements

5. Who we share your information with

We only share your information with parties that help us provide our services. Specifically:

  • Insurance carriers, accessed through our independent marketing organization (IMO) — to underwrite, price, and issue the policy you're applying for.
  • Customer relationship management (CRM) providers — store your contact information, call logs, form submissions, and email history so our advisors can follow up and serve you.
  • Phone-system providers — route our inbound and outbound calls, record them, and generate transcripts for quality and compliance.
  • Telecommunications infrastructure providers — send and receive our calls and text messages.
  • Advertising platforms — measure how our ads perform. We do not transmit your name, phone, or email in identifiable form; these platforms record events (page views, form submissions) tied to hashed identifiers.
  • Website hosting and analytics providers — host our site, deliver content quickly and securely, and measure site traffic and behavior in aggregate.
  • Authorities — when required by law, court order, or regulatory request.

We do not sell your personal information. We do not share your phone number with third parties for their own marketing purposes.

6. Phone and SMS communications

  • By providing your phone number to Clearpath Life, you consent to receive calls and text messages from us, including messages sent via automated technology.
  • Consent is not a condition of purchase.
  • Message frequency varies.
  • Message and data rates may apply.
  • Reply STOP to opt out of text messages at any time.
  • Reply HELP for help.
  • Calls may be recorded for quality assurance and training purposes.

7. AI voice agent disclosure

  • Clearpath Life uses an AI-powered voice assistant named "Bella" to help gather initial information when our human advisors are unavailable.
  • Conversations with the AI assistant are recorded and transcribed.
  • The AI assistant will identify itself as an AI if asked.
  • You may request to speak with a human advisor at any time during the conversation.
  • The AI assistant is not a licensed insurance agent and does not give insurance advice or bind coverage.

8. Call recording disclosure

  • All inbound and outbound phone calls with Clearpath Life may be recorded.
  • Recordings and transcripts are used for quality assurance, training, and regulatory compliance.
  • Recordings are stored securely and accessible only to authorized Clearpath Life personnel.

9. Cookies and tracking

We use the following on this website:

  • Advertising pixels — measure advertising effectiveness and help us reach people who may benefit from our services. These pixels track page views and conversion events.
  • Analytics services — measure site traffic, page performance, and visitor behavior in aggregate.
  • Session-recording and behavior-analytics services — capture session recordings and heatmaps so we can understand how people use the site and fix usability issues. We use this data to improve the site, not to identify individuals.
  • Website hosting infrastructure — handles site performance, caching, and security.

You can disable cookies through your browser settings. Doing so may limit your ability to use parts of the site.

10. Data retention

  • We keep your information for as long as we need it to provide the services described in this policy.
  • Insurance application data may be retained longer where required by state insurance regulations and our carrier partners' record-keeping rules.
  • You may request deletion of your information at any time (see "Your rights" below). Some records may need to be retained to satisfy legal obligations.

11. Your rights

You can:

  • Request access to the personal information we have about you
  • Ask us to correct inaccurate information
  • Request deletion of your information
  • Opt out of marketing communications (reply STOP to a text or contact us by email)

To exercise any of these rights, email hello@getclearpathlife.com. We will respond within a reasonable time.

12. Children's privacy

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children. If you believe a child has provided information to us, email hello@getclearpathlife.com and we will delete it.

13. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we'll revise the "Last updated" date at the top of the page. Material changes will be communicated through prominent notice on the site.

14. Contact us

Questions about this Privacy Policy or how we handle your information?

Clearpath Life, LLC
101 Creekstone Blvd, Ste 100, PMB 739
Franklin, TN 37064
Phone: (866) 840-2756
Email: hello@getclearpathlife.com

15. Effective date

This Privacy Policy is effective May 26, 2026.