Privacy Policy & Privacy Notice
Effective Date: September 23, 2026
Higher Power Independent Insurance Agency LLC ("Higher Power," "we," "us," or "our") respects the privacy of individuals who visit HigherPowerInsurance.com and who request or purchase insurance products or services through us.
This Privacy Policy explains how we collect, use, disclose, protect, and retain information in connection with our website and insurance services.
Information We May Collect
Depending on the product or service requested, we may collect information including:
Name
Mailing address
Email address
Telephone number
Date of birth
Household information
Employment information
Income information
Insurance history
Driver and vehicle information
Property information
Health and insurance-related information
Prescription-related information when necessary for an insurance application
Beneficiary information
Policy information
Claims information
Payment-related information
Information contained in insurance applications
Information obtained from insurance companies, consumer reporting agencies, public records, or other authorized sources
Information submitted through our website forms
Information concerning how visitors use our website
Please do not submit Social Security numbers, financial account numbers, medical records, prescription information, or other highly sensitive information through a general website contact form unless the form specifically requests the information and is designed to securely collect it.
How We Use Information
We may use information to:
Respond to inquiries
Provide insurance quotes
Compare available insurance products
Determine eligibility
Complete applications
Assist with enrollment
Communicate with consumers
Service existing policies
Submit information to insurance companies
Submit information to Marketplace or other authorized enrollment platforms
Process transactions
Verify information
Prevent fraud
Maintain records
Meet legal and regulatory obligations
Provide customer service
Improve our website and services
Conduct permitted marketing and communications
Information We May Share
We may disclose information when reasonably necessary to provide requested insurance products or services, including to:
Insurance companies
Managing general agents
General agencies
FMOs and IMOs
Insurance exchanges and enrollment platforms
Medicare organizations
Marketplace organizations and government agencies
Third-party administrators
Quoting and rating platforms
Customer relationship management systems
Technology and hosting providers
Service providers performing services on our behalf
Professional advisers
Attorneys, accountants, auditors, and compliance providers
Governmental and regulatory authorities
Other parties as permitted or required by law
We do not sell personal information to third parties for purposes prohibited by applicable law.
Nonpublic Personal Information
Federal law, including the Gramm-Leach-Bliley Act, may impose additional requirements concerning nonpublic personal information collected in connection with financial products or services.
We maintain policies and procedures designed to protect nonpublic personal information and limit access to individuals and service providers who have a legitimate business need for the information.
Where required by law, we provide applicable privacy notices and information-sharing choices.
Health Information
Insurance applications may require health or medical information.
Health information will be collected, used, and disclosed only as permitted or required by applicable law and the applicable insurance company's application and privacy practices.
Consumers should use secure application or enrollment systems provided by Higher Power Independent Insurance Agency LLC, an insurance company, or an authorized enrollment platform when submitting sensitive health information.
Cookies and Website Technologies
Our website may use cookies, analytics services, pixels, log files, or similar technologies to operate the website, understand website traffic, improve functionality, prevent fraud, and evaluate marketing performance.
Third-party services may collect information according to their own privacy policies.
Third-Party Websites
Our website may contain links to third-party websites, including insurance company, Medicare, Marketplace, quoting, enrollment, scheduling, payment, or other websites.
Higher Power Independent Insurance Agency LLC does not control the privacy practices of third-party websites. Consumers should review the privacy policy and terms of any third-party website before submitting information.
Data Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized access, use, disclosure, alteration, or destruction.
No website, electronic transmission, or storage system can be guaranteed to be completely secure.
Data Retention
We retain information for as long as reasonably necessary to provide services, comply with legal and regulatory requirements, satisfy insurance-company requirements, resolve disputes, maintain business records, and fulfill other legitimate business purposes.
Certain Marketplace enrollment and application records may be subject to federal retention requirements.
Your Choices
You may contact us regarding questions about our privacy practices or to request information concerning your personal information, subject to applicable legal and regulatory limitations.
Where applicable law provides a right to opt out of certain information sharing, we will provide the required notice and method for exercising that right.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this website with a revised effective date.
Contact Us
Higher Power Independent Insurance Agency LLC
Website: HigherPowerInsurance.com
Email: Sean@HigherPowerInsurance.com
Phone: (706) 331-1542
Mailing Address: 51 N Elizabeth St, Summerville, Ga 30747