Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors

Privacy Policy

Notice of Privacy and Security Practices

American Republic Insurance Services, LLC, and The Entrecor Group, LLC (d/b/a “Americare Group”) — referred to in this policy as “we,” “us,” or “our” — understand the importance of keeping your personal information confidential. This policy describes how we may collect, use, and disclose information about you when you visit our websites or use any of our products or services that link to or otherwise reference this policy. We are committed to maintaining the confidentiality of your personal information and earning your trust. Therefore, we offer our online privacy and security practices below to:
• Demonstrate our commitment to your privacy and security
• Help you understand the care with which we treat your information
• Assure you that we take reasonable steps to see that these practices are followed

We cannot control the privacy and security policies of websites you may access through this website. This policy does not apply to information that you provide to or is collected by any third party. To determine the privacy and security practices of any other websites, you must refer to the privacy and security policies associated with those websites.

Information we collect and how we collect it
We collect information that identifies, describes, or is reasonably capable of being associated with you (“personal information”). Personal information does not include publicly available information, such as information lawfully made available from government records, information we have a reasonable basis to believe is lawfully made available to the general public by you or by widely distributed media, or by a person to whom you have disclosed the information and not restricted it to a specific audience, or deidentified or aggregated information.

As described below, we collect personal information directly from you, automatically through your use of our website or use of any of our products or services, and from third-party sources. To the extent permitted by applicable law, we may combine the information we collect from publicly available or third-party sources. The personal information we collect varies based on your relationship with us.

Personal information we collect directly from you

We may collect personal information directly from you to perform certain functions, including to ensure that users receive products and services which best match their needs. Users must provide complete and accurate information about themselves and those persons who will also benefit from these products and services. We only collect information required to fully execute your request for a product and/or service. Examples of information users may be required to provide, include, but are not limited to:

  • Identifiers and contact information. We may collect personal identifiers and contact information such as your full name, ZIP code, phone number, email address, information you provide by filling in forms on the website, or other information described in this Privacy Policy.
  • Message contents. If you contact us through our text messaging program, we may collect your messages or any other information you so choose to provide.

This information collected may be used for business purposes, such as marketing. We do not sell, rent, or lease any information collected to any person or organization. If we are unable to process a website function, the user’s information collected up until that point may be used to contact the user to fulfill the product or service request.

Personal information we collect automatically

We may obtain automatically collected information through your use of our website or use of any of our products or services. We may use technologies such as cookies, tokens, tags, beacons, scripts, and Web server logs, as well as functionality that can collect data from a website. The automatically collected information may include demographic, de-identified, aggregated, or certain information collected automatically through your device such as technical information about your device, web browser information, and server log files collected by us or provided by you.

Our computers and servers may automatically collect statistics about your visit. In these instances, this information does not identify you personally, but rather identifies functions performed during a visit to our website. We may monitor user specific and user non-specific statistics, including but not limited to, how many users visit our website, a user’s internet protocol (IP) address, which pages people visit, from which domains our visitors come, and which browsers people use.

As a standard, our website servers use log files. Our log file processes will perform tracking on IP addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks within our website. Our log file processes also administer the website, track users’ movement in the interactive sections, and gather broad demographic information for business purposes as permitted by law. Other logs will be kept for those applications that are submitted to us through the website to retain and process the products and services that were requested.

Personal information we collect from other sources

We may collect information about you through our affiliates, business partners, and vendors, including from administrators, agents, brokers, or other representatives who provide services or products on our behalf.

How we use your information

You may limit the information you provide or make available to us if you want to; however, that may limit your ability to access or use certain functions of the website, or to request certain services or information.

Our website operates on computer servers in the United States; therefore, any information you provide will be transferred to and processed by a computer server located within the United States.

We may use the information collected for several purposes such as, but not limited to:

  • To respond to a message or request from you
  • To communicate with you
  • To provide you with content through our website or other services that we may offer
  • To personalize your experience on our website
  • To provide you with informational or promotional offers, as permitted by law, that we believe may be useful to you, such as information about products or services provided by us or other businesses
  • To perform analytics and to improve our products, website, and advertising
  • To comply with applicable laws, regulations, and legal process
  • To protect someone's health, safety, or welfare
  • To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms and Conditions
  • To keep a record of our transactions and communications
  • To share with our affiliated companies whose products we represent to fulfill your request for further information and/or products
  • As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law or for any other purpose with your consent

We may use information to contact you through any contact information you provide through our website or any other services we offer, including any email address, telephone number, mobile telephone number, or fax number.

When you provide us a telephone number, whether landline or mobile telephone number, we may contact you, using automated, pre-recorded, or non-automated means, to provide you information about existing benefits, programs, products, services, or tools. Personal information collected through our texting programs will not be shared, sold, or disclosed to third parties for their own marketing purposes.
We may, when permitted, combine your information with other information, whether online or offline, maintained, or available to us from you or from other sources, such as from our vendors, and we may use and disclose combined data for the purpose described in this policy or for internal business purposes. We may, when permitted, use and disclose de-identified and aggregated data for any purpose, which may include, without limitation, disclosures to third parties for analytics purposes such as evaluating the website and providing additional benefits, programs, and services.

We also reserve the right to share your information with third parties if we believe such action is necessary in order to: a) conform with the requirements of any court order, government request, or legal process; b) protect or defend our legal rights or property, or those of its policyholders, its website(s), website users; or c) investigate, prevent, or respond to illegal activity, suspected fraud, or threats.

By visiting our website, you have the ability to view this Privacy Policy and the Terms and Conditions of use and any revision of these policies. For information about the Terms and Conditions of your use and access of this website, please refer to our Terms and Conditions.

How personal information is protected

Our information technology systems use industry-recognized security controls to protect user information, and we have data security personnel whose sole responsibilities are to ensure the security of the information we collect, process, and store. Additionally, we have internal policies and procedures in place to limit access to user information to only those who have a business need to view it.

We are able to securely collect and transfer user information using encryption technology. We employ Transport Layer Security (TLS) encryption for all user information entered on the website. TLS technology encrypts information as it travels from the user’s browser to our servers, and again from our server back to the user’s browser. Therefore, a user’s browser must support TLS 1.2 or above encryption to fully utilize our website.

We may use third party service providers to help us operate our business and this site or administer activities on our behalf. We may share your information with these third parties for those limited purposes only. We utilize certificate providers to apply the TLS technology for online transactions. The certificates allow our website users to perform website functions such as application entry and submission in a manner that cannot be intercepted or decrypted over the Internet. Certificate providers also verify that website users are conducting business with us. To confirm that a user’s browser supports the TLS encryption functionality, the user should look for icons on the browser’s window, such as a key or a closed lock. We encourage website users to verify that these icons are present before entering personal information.

Children under the age of 13
Unless otherwise detailed, this website is not directed toward children. We do not knowingly collect information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected via the child’s use and access of this website, we will delete that information from our systems.

Use of cookies
A “cookie,” by definition, is a piece of information that a website sends to a user’s browser, which then stores information on the user’s computer system. Users should be aware that cookies contain no more information than is volunteered and are not able to “invade” the hard drive and return to the sender personal or other information from the user’s computer.

Many Internet website’s use cookies to “remember” information about users and user preferences, either until the current browser window is exited (if the cookie is temporary) or until the user disables or deletes the cookie.

Our website may employ a cookie with your insurance agent’s name and contact information. Your personal information is not stored with a cookie.

Consent and changes to this website
By using this website, you signify your consent to this Privacy Policy. If you do not agree to this policy, please do not use this website. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Significant changes to this policy will be promptly disclosed in the policy. Any changes become effective immediately upon posting to this website. The date this policy was last revised is identified at the bottom of this policy.

Before we make a significant change in this website privacy and/or security practices and/or this Privacy Policy, we will change this policy and post it on this website at the time of the change. We reserve the right to make the new terms effective for all information which we maintain, including personal information that we collected or received before we made the changes to the policy. This policy is not intended to nor does it create any contractual or other legal right in or on behalf of any party, including you. We encourage you to check this page regularly, as your continued use or access of this website following any changes will be deemed to constitute your acceptance and agreement of such change.

When you submit any information to us in connection with any products or services we offer, you consent to our processing of this information as necessary to provide the products and services in which you are participating. We do our best to maintain the accuracy of personal information you supply to us, and we will make corrections when you notify us. If you find information you would like to correct or update in any statements or other communication you receive from us, please contact our Customer Service Center:

American Republic Insurance Services
P.O. Box 14568
Des Moines, IA 50306-9311

If you have any questions about this Privacy Policy you may contact:

Privacy Officer
601 6th Avenue
Des Moines, IA 50309

October 4, 2023

Get a quote today

Our representatives stand ready to help you best secure your retirement.
Request a quote
© 2024 American Republic Insurance Services, LLC. ® “American Republic Insurance Services”, “Be Informed. Be Smart. Be Secure.”, and the eagle logo are registered trademarks of American Republic Insurance Services, LLC. Not connected with or endorsed by the United States government or the federal Medicare program. In April 2023, AM Best gave Wellabe, Inc.’s six insurance company subsidiaries the Financial Strength Ratings of A (Excellent) with a stable outlook. This rating refers to the overall financial status of the companies and is not a recommendation of specific policy provisions, rates, or practices. For the latest Best’s Credit Rating, visit