SMS Consent & Opt-In Disclosure

1. Who Sends Messages

SMS text messages are sent by licensed life insurance agents who use the InsuraCentral CRM and IVR platform to manage their client communications. Each agent or agency is independently licensed and operates under their own business entity. Agents use the InsuraCentral platform to call clients, confirm appointments, send policy reminders, and follow up on conversations — all from within the CRM.

2. How Consumers Provide Consent (Call to Action)

End users (consumers, insurance leads, and clients) provide consent to receive SMS messages through the InsuraCentral platform via one or more of the following methods:

2.1. Verbal Consent During Agent-Client Interaction

The primary method of consent collection on the InsuraCentral platform is through direct agent-client interaction. When a consumer calls an insurance agent, or when an agent calls a consumer regarding a quote, consultation, or policy review, the agent obtains verbal consent to send SMS messages. Before adding the contact to the CRM for texting, the agent reads the following scripted disclosure:

The agent logs this consent in the InsuraCentral CRM system as part of the contact's record before any text messages are sent.

2.2. Existing Client Relationships

Clients who have provided their phone number during policy applications, in-person meetings, or other service interactions and have agreed to receive text communications from their insurance agent may receive SMS messages through the InsuraCentral platform. Agents must verify that proper consent exists before messaging any contact through the CRM.

2.3. CRM In-App Consent Confirmation

Before an insurance agent can send an SMS message to any contact through InsuraCentral, the CRM system requires the agent to confirm that the recipient has provided consent to receive text messages. This consent confirmation is logged and stored in the InsuraCentral system as part of the contact's record. No messages can be sent to a contact without this confirmation step.

3. Types of Messages Sent

Messages sent through the InsuraCentral platform include:

• Appointment confirmations and reminders
• Policy renewal notices and updates
• Follow-up communications after phone calls
• Payment reminders
• Service-related communications and updates

4. Message Frequency

Message frequency varies based on the consumer's relationship with their insurance agent and the services requested. Consumers can expect to receive between 1 and 10 messages per month depending on their account activity, upcoming appointments, and policy status. Message and data rates may apply depending on your mobile carrier and plan.

5. How to Opt Out

You can opt out of receiving SMS messages at any time by:

• Replying STOP to any message you receive
• Replying UNSUBSCRIBE, CANCEL, END, or QUIT
• Contacting your insurance agent directly
• Emailing us at support@insuracentral.com

After opting out, you will receive a one-time confirmation message: "InsuraCentral: You have been unsubscribed. You will not receive any more messages from this insurance agent. Reply START to resubscribe."

6. How to Get Help

For help with SMS messaging, reply HELP to any message or contact us at support@insuracentral.com. You will receive a reply: "InsuraCentral insurance messaging. For help, visit insuracentral.com or email support@insuracentral.com. Reply STOP to unsubscribe. Msg & data rates may apply."

7. Data Protection and Privacy

InsuraCentral is committed to protecting your personal information:

• We do not sell, share, or transfer phone numbers or mobile information to third parties for marketing or promotional purposes.
• Mobile information collected as part of SMS opt-in will never be shared with or sold to third parties or affiliates for marketing or promotional purposes.
• Phone numbers are used solely for facilitating communication between insurance agents and their clients through the InsuraCentral platform.
• All data is encrypted in transit (TLS 1.3) and at rest (AES-256).

For complete details, see our Privacy Policy and Terms and Conditions.

8. Sample Messages

Examples of messages consumers may receive through the InsuraCentral platform:

9. Contact Information