PRIVACY POLICY

Last Updated: February 2026

CFN ("we", "our", "us") operates https://cfnlearnmore.com/. We provide life insurance brokerage and related financial services. This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

Information We Collect

Information you provide: Contact information (name, address, email, phone number); life insurance application details (date of birth, beneficiary information, health and medical history needed for underwriting); and communications (messages, call notes, and consent preferences).
Information collected automatically: Device and usage data (IP address, browser type) and cookies to improve site functionality.

How We Use Your Information

Provide and manage life insurance products and quotes.
Facilitate the application and medical underwriting process.
Communicate via phone, email, or text message regarding your inquiry.
Comply with legal and regulatory requirements.
Send marketing communications with your explicit consent.

Sharing and Disclosure of Information

We may share information with:

Insurance carriers and medical underwriters to process life insurance applications.
Service providers performing IT or administrative services.
Regulators or law enforcement when required by law.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Health Information and Sensitive Data

Life insurance applications require the collection of sensitive health and medical data. This information is handled with heightened care and is used strictly for the purposes of evaluating eligibility for coverage in compliance with applicable laws.

Cookies and Analytics

We use cookies for analytics and site functionality. You may control cookies via browser settings.

Data Security & Handling

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

SMS Communications and Consent

We collect mobile phone numbers only when voluntarily provided. The phone number field on our forms is optional. Where a phone number is provided, users may separately consent to receive transactional messages (such as appointment reminders) and promotional messages through distinct, optional checkboxes. Message frequency may vary. Message and data rates may apply. Users may opt out at any time by replying STOP or request help by replying HELP. We maintain records of consent associated with form submissions.

Contact Information

Creative Financial Network
Phone: (954) 226-9343
Email: [email protected]
Address: 5310 NW 33rd Ave UNIT 206, Fort Lauderdale, Florida 33309

Frequently Asked Questions

What is life insurance?

Life insurance is a financial product that provides a payout (called a death benefit) to your beneficiaries in the event of your passing. It helps protect your loved ones from financial hardship by covering expenses such as income replacement, debt, mortgage payments, or education costs.

Can I get life insurance with pre-existing conditions?

Yes, but it may affect your eligibility and the cost of your premiums. Many insurers offer policies for people with medical histories, but the terms and pricing depend on the condition's severity and how well it’s managed. In some cases, guaranteed issue life insurance or simplified issue policies may be an option.

How much does life insurance cost?

Premiums vary based on factors like your age, health, lifestyle, type of policy, and amount of coverage. Younger and healthier applicants generally qualify for lower rates.

How do I apply for life insurance?

You’ll start with an application that includes basic health and lifestyle questions. Depending on the policy, you may need a medical exam. After approval, you’ll choose your coverage amount, premium schedule, and list your beneficiaries.