Privacy Policy

Information You Provide

We collect information when you fill out a form, request a quote, schedule an appointment, or otherwise provide it to us. This may include your name, email address, mailing address, phone number, date of birth, gender, and other personal details needed for insurance quotes. You may also visit our site without providing any information.

Only to Serve Your Request

• Generate insurance quotes and proposals
• Contact you about your request by phone, SMS, email, or automated calls with your consent
• Schedule and manage appointments
• Service your policy and maintain business records
• Comply with legal or regulatory requirements

We will never sell or trade your information for unrelated marketing purposes.

Only Where Necessary to Place Coverage

To provide accurate quotes and help secure a policy, we may share your information with licensed insurance carriers, our contracted marketing organizations (FMOs, BGAs, and market access providers), and trusted service providers who help us operate our website and communications.

With your permission, your information may also be shared with another licensed agency or carrier if we believe they have a product better suited to your needs. All parties we share with are required to keep your information confidential and use it only for the purpose of serving your request.

We may also disclose your information if required by law, to enforce our site policies, or to protect rights, property, or safety.

Kept Only as Long as Required

We implement security measures to protect your data from unauthorized access. We keep your information only as long as necessary to provide services, comply with legal or regulatory obligations, resolve disputes, or enforce agreements.

Third-Party Services We Use

• Calendly for scheduling
• MailerLite for email and newsletters
• Meta (Facebook) Pixel and TikTok Pixel for measuring advertising effectiveness and showing relevant ads to site visitors. These pixels may set cookies and collect browser and device information.
• Other trusted service providers who support our operations

Each provider has its own privacy policy. We do not control and are not responsible for their actions. You may opt out of interest-based advertising at YourAdChoices.com or through each platform's ad settings.

What You Can Request

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, and to opt out of certain uses of your data. We will honor those rights where the law requires. However, some information cannot be deleted because we are required to keep it by state or federal insurance regulations, it is needed to provide quotes or service policies, or it must be maintained for legal or financial records. When you make a request, we will explain what can be fulfilled and what must be retained.

Florida, Indiana, and Ohio

• Florida: We honor state and federal Do Not Call rules and contact you only with your consent, limiting calls and texts to 8 a.m. to 8 p.m. local time per Florida law.
• Indiana (effective January 2026): You may request access, correction, deletion, a copy of your data, and to opt out of certain uses where the law allows.
• Ohio: We follow recognized security practices to protect your data, providing safe harbor under Ohio law.

Not Directed to Anyone Under 18

Our services are not directed to children under 18. We do not knowingly collect information from anyone under 18. If we discover that we have, we will delete it.

How to Stop Hearing From Us

• Follow the unsubscribe link in any email
• Reply STOP to any text message
• Contact us directly

Policy Changes

We may update this policy from time to time. The latest version will always be posted on this page.

Why I Don't Post Client Reviews

A consultant I was just about to hire offered me an upsell. It was a subscription to a service that would let me approve client reviews before they were posted. Get a bad review, just nuke it before the app sends it to Google Reviews. It sounds smart. It is called review gating.

Review gating is a fancy name for unethical and immoral.

When she offered it, every hair on my body stood up. She would never hear back from me again.

It made me sit down and design my own systems for running an insurance agency. It made me reconsider a lot of how I do business. It made me want to draw a line in the sand and put ethics and privacy over everything else.

At the end of the day, she would never have to answer for the manipulation. But I would have to answer to myself for the breach of ethics.

Here is the question I keep coming back to: would you really want the world to know you just bought a large financial instrument? Every scammer, every solicitor, every person looking for a target knows that someone who just bought a million dollar life insurance policy has assets worth protecting. That is not a list I am willing to put you on.

"Yay, I just bought a million dollars of coverage from an agent, let me go online and broadcast it to the world that he was nice!"

If a client wants to share their experience on their own, I am deeply grateful for that. But I am not going to ask you to do something publicly that I would not do myself.

The only real review of a life insurance agent happens when a family makes a claim. Everything before that is just phone calls and text messages that went well. I hope they always do. But what I am really here for is to be there when your family needs me.

How to Verify My Credentials

I am a licensed insurance agent in Florida, Ohio, and Indiana, and I hold the Chartered Life Underwriter designation from The American College of Financial Services. You can verify each credential directly through the issuing authority.

• Florida: FL W548097 — Florida Department of Financial Services producer lookup
• Ohio: OH 1258856 — Ohio Department of Insurance producer lookup
• Indiana: IN 3417602 — Indiana Department of Insurance, SIRCON producer lookup
• NPN: 19046937 — verifiable at the NIPR national producer registry
• CLU designation: The American College of Financial Services — Chartered Life Underwriter program. Designees are bound by The American College Code of Ethics.

SMS Terms and Conditions

Coverage Captain is a sole proprietorship owned and operated by Leonard Burton. All SMS communications are sent directly by Leonard Burton in response to customer-initiated quote requests and service inquiries.

Coverage Captain sends SMS messages to individuals who request insurance quotes or services through our website. Messages may include quote follow-up, policy information, appointment scheduling, and customer support. Messages may include links to our website, scheduling tools, or informational resources related to your insurance request. We do not send affiliate or unrelated promotional links.

You opt in to receive SMS messages by submitting your phone number through our website form and providing consent.

Message frequency varies. Message and data rates may apply.

Reply STOP to unsubscribe. Reply HELP for assistance.

Questions About This Policy

Coverage Captain
Email: hello@coveragecaptain.insure
Phone: (772) 675.LIFE

Captain's Word: We will follow the law, but more than that, we will follow our honor. Your information stays safe, and it is never used against you.