Privacy Policy, Terms of Service & Legal Disclosures
Total Care Insurance Group, LLC
Effective Date: January 2026
1. Introduction
Total Care Insurance Advocate Group, LLC (“we,” “us,” or “our”) operates totalcareinsurancegroup.com. This page explains how we collect, use, protect, and share information and sets forth the terms and conditions governing your use of this website and our insurance services.
By accessing or using this website, you agree to this Policy and these Terms.
2. Information We Collect
Personal Information:
We may collect information you voluntarily provide, including your name, phone number, email address, mailing address, date of birth, and insurance-related information submitted through contact forms, quote requests, or agent contracting forms.
Non-Personal Information:
We may collect IP address, browser type, device type, operating system, referral source, and website usage data.
Cookies & Tracking Technologies:
We use cookies and similar technologies to improve website functionality, analyze traffic, and enhance user experience.
3. How We Use Information
We use the information we collect to:
• Provide insurance quotes and services
• Process policy enrollments and renewals
• Respond to inquiries
• Communicate with consumers and agents
• Improve our website and services
• Detect and prevent fraud
• Comply with legal and regulatory obligations
We do not sell personal information.
4. Sharing of Information
We may share personal information with:
• Insurance carriers to provide quotes and enrollments
• Technology and service providers supporting our operations
• Compliance or regulatory authorities when required
• Successor entities in the event of a business transaction
We do not share SMS or phone numbers with third parties for their marketing purposes.
5. Cookies & Tracking
Cookies are small files stored on your device that help operate the site and understand how users interact with it. You may disable cookies through your browser settings; however, some site features may not function properly.
Third-party analytics tools may also place cookies on your device.
6. Marketing & Contact Communications
By submitting your contact information, you consent to be contacted by Total Care Insurance Group by phone, text message, or email regarding insurance products and services, including quotes, policy information, and renewals.
Message frequency may vary. Message and data rates may apply. You may opt out of SMS at any time by replying STOP or request assistance by replying HELP. Email communications include unsubscribe options.
7. Insurance Disclosures (Consumers)
Total Care Insurance Group, LLC is a licensed life and health insurance agency. We offer products from multiple insurance carriers but do not represent every plan available in all areas.
Insurance products are subject to terms, conditions, limitations, and exclusions contained in the policy contract. Coverage is not guaranteed and becomes effective only when confirmed by the insurance carrier.
For Medicare plans: TotalCare Insurance Group is not affiliated with or endorsed by any government agency, including Medicare or Healthcare.gov.
8. Agent Disclosures
Information provided to insurance agents and brokers on this website is for business and contracting purposes only. Appointment, compensation, and contracting terms are subject to carrier approval and separate written agreements.
Submission of an agent inquiry form does not guarantee appointment, commission levels, or access to any carrier or product.
9. Website & Professional Disclaimer
Content on this website is for general informational purposes only and does not constitute legal, financial, medical, or insurance advice. You should rely on official policy documents and licensed professionals when making insurance decisions.
10. Limitation of Liability
To the fullest extent permitted by law, Total Care Insurance Group, LLC and its owners, officers, employees, and affiliates shall not be liable for any damages arising from your use of this website or reliance on its content, including direct, indirect, incidental, consequential, or punitive damages.
11. Third-Party Links
This website may contain links to third-party websites. We do not control or endorse those sites and are not responsible for their content or privacy practices.
12. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information; however, no method of transmission over the internet is completely secure.
13. Data Retention
We retain personal information only as long as necessary to fulfill business purposes and comply with legal and regulatory requirements.
14. Children’s Privacy
This website is not intended for children under 13, and we do not knowingly collect personal information from children.
15. Your Rights & State Privacy Laws
You may request access, correction, or deletion of your personal information by contacting us.
Residents of certain states, including California, Colorado, Virginia, and Connecticut, may have additional rights under applicable privacy laws, including the right to request disclosure of data collected about them or to opt out of certain data processing activities.
16. HIPAA & Financial Privacy Context
TotalCare Insurance Group may receive health or financial information in connection with insurance enrollment or servicing. Such information is handled in accordance with applicable federal and state privacy laws, including HIPAA and the Gramm-Leach-Bliley Act, where applicable.
17. Intellectual Property
All content, graphics, logos, and trademarks on this website are the property of TotalCare Insurance Group, LLC or its licensors and may not be copied, reproduced, or distributed without written permission.
18. Governing Law
This Policy and your use of this website are governed by the laws of the state in which TotalCare Insurance Group, LLC is registered, without regard to conflict-of-law principles.
19. Changes to This Policy
We may update this Policy at any time. Updates will be posted on this page with a revised effective date.
20. Contact Information
Total Care Insurance Advocate Group, LLC
Phone: 210-767-2196