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This privacy policy describes how Eboni Morris, licensed independent insurance agent (NPN: 18509552), collects, uses, and protects information submitted through this website. This policy applies to all information gathered through the intake questionnaire, referral forms, and any other communications submitted through coveredwithconditions.com.

When you submit an intake form or inquiry, we may collect the following types of information:

• Personal identifiers such as your name, date of birth, address, phone number, and email address
• Health and lifestyle information provided voluntarily for the purpose of evaluating coverage options
• Information about medications, medical history, and functional status as relevant to insurance underwriting
• Beneficiary relationship information provided in connection with coverage inquiries

Information you submit is used solely for the purpose of evaluating and presenting life insurance coverage options on your behalf. It is not sold, rented, or shared with any third party except as necessary to process a formal insurance application at your direction, and only with your explicit written authorization prior to any application submission.

You have the right to request access to the information we hold about you, request corrections to inaccurate information, and request that your information not be used for purposes beyond this independent engagement. To exercise any of these rights, contact this office directly.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a federal law that establishes national standards for the protection of certain health information. HIPAA restricts how health information may be used and shared and gives individuals specific rights regarding their health data.

Any health-related information you provide through this website or during our professional engagement is handled in strict compliance with applicable HIPAA privacy standards. This includes any medical history, conditions, medications, or other health information submitted as part of an intake questionnaire or consultation.

Your health information will not be disclosed to any insurance carrier or third party without your written authorization prior to any formal application submission. You will be informed of what information is being shared, with whom, and for what purpose before any such disclosure occurs.

• The right to receive a notice of privacy practices
• The right to access and review health information held about you
• The right to request corrections to inaccurate information
• The right to request restrictions on certain uses or disclosures
• The right to receive an accounting of disclosures made on your behalf
• The right to file a complaint if you believe your privacy rights have been violated

This website, coveredwithconditions.com, is operated by Eboni Morris, a licensed independent insurance agent (NPN: 18509552). By accessing or using this website, you agree to the following terms. If you do not agree, please do not use this site.

Nothing on this website constitutes an offer, commitment, or guarantee of insurance coverage. All coverage is subject to formal application, individual carrier underwriting approval, and the terms of the actual policy contract issued by the insurance company. Information on this site is provided for general educational and informational purposes only.

While we make reasonable efforts to keep information on this site current and accurate, insurance products, carrier guidelines, licensing requirements, and applicable laws are subject to change. You should not rely solely on information found on this website when making insurance decisions. Consult with a licensed insurance professional for advice specific to your situation.

Use of this website does not create an attorney-client relationship, a financial advisory relationship, or any other professional engagement beyond that of a licensed insurance producer. Information provided through intake forms is used solely for the purpose of evaluating and presenting life insurance coverage options.

All content on this website, including text, design, layout, and educational materials, is the property of Eboni Morris and may not be reproduced, distributed, or used without written permission.

This website is operated by Eboni Morris, a licensed independent insurance agent appointed with multiple insurance carriers. Eboni Morris holds life, accident, and sickness licenses and has been licensed since 2017.

• National Producer Number (NPN): 18509552
• License Type: Life, Accident and Sickness
• Licensed Since: 2017
• Resident State: Georgia

Eboni Morris is currently licensed to solicit, negotiate, and sell life insurance in the following states:

• Georgia (GA) - Resident License
• Florida (FL) - Nonresident License
• Michigan (MI) - Nonresident License
• Ohio (OH) - Nonresident License
• South Carolina (SC) - Nonresident License
• Texas (TX) - Nonresident License

Expansion to additional states is ongoing. If you are located in a state not listed above, please complete the intake form and we will advise whether service is currently available in your state or connect you with a licensed partner where applicable.

Licensure can be independently verified through the National Insurance Producers Registry (NIPR) by calling 1 (855) 674-6477 and referencing National Producer Number (NPN) 18509552. You may also verify licensing through the insurance department of your individual state.

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies collect, use, and share information about individuals. It gives consumers specific rights when their information is used to make decisions about them, including decisions related to insurance.

In connection with a formal application for life insurance, the issuing insurance company may obtain a consumer report about you. This report can include information about your creditworthiness, credit standing, character, general reputation, personal characteristics, or mode of living.

If the insurance company takes an adverse action based in whole or in part on information in a consumer report, such as declining your application, offering a rated premium, or limiting your benefit, the company is required by federal law to notify you. That notice must include the name, address, and phone number of the consumer reporting agency that supplied the report.

• The right to be told if information in your consumer report was used against you
• The right to request a copy of your consumer report from the reporting agency
• The right to dispute inaccurate or incomplete information in the report
• The right to add a statement of explanation to your file if a dispute is not resolved
• The right to seek damages from violators of the FCRA

The Medical Information Bureau (MIB) is a member-owned organization that operates as an information exchange among participating life and health insurance companies. Most individually underwritten life and health insurance carriers are MIB members.

When you apply for individually underwritten life or health insurance, the issuing carrier may request information from the MIB about prior insurance applications or claims you may have submitted with other member companies. This coded information is used during the underwriting process to identify inconsistencies and help prevent misrepresentation on applications, which helps keep premiums fair for all consumers.

The MIB may also create a record of your current application that future member companies may access if you apply elsewhere.

• You have the right to request a copy of any information the MIB has on file about you
• You may contact the MIB directly at mib.com or by calling 1-866-692-6901
• You have the right to dispute any inaccurate information in your MIB file
• MIB information alone is not used to make a final underwriting decision

Depending on the insurance carrier and the product applied for, the issuing company may request a report that includes your current and historical prescription drug records from participating pharmacies. This type of report is a standard underwriting tool used by many life insurance carriers.

Prescription drug history is reviewed during underwriting to help the carrier correlate medications on file with health conditions disclosed on the application. It helps the carrier evaluate risk and ensure the accuracy of information provided. The report typically covers several years of prescription history from participating pharmacy networks.

• A pharmacy records check will only be requested as part of a formal application submitted at your direction
• You will be informed if such a check is required before your application is submitted
• If an adverse underwriting decision is made based on this information, you will be notified and given the right to dispute inaccuracies

A Motor Vehicle Report (MVR) is a report obtained from your state Department of Motor Vehicles that provides a history of your driving record. It may include traffic violations, license suspensions or revocations, DUI or DWI convictions, accidents on record, and the current status of your driver's license.

Some life insurance carriers review driving history as part of the underwriting process because certain driving patterns, such as multiple DUI convictions or a history of reckless driving, are considered indicators of risk. An MVR may be requested depending on the carrier's underwriting guidelines for the specific product applied for.

• An MVR will only be requested as part of a formal application submitted at your direction
• You will be informed if an MVR is required before your application is submitted
• If an adverse underwriting action is taken based on MVR information, you have the right to be notified under applicable federal and state law
• You may obtain a copy of your own driving record directly from your state DMV at any time