KV Life Services

Privacy Policy

Last updated: October 31, 2026

Liliya Georgiyeva, doing business as KV Life Services ("we", "us"), helps people find life insurance (term, whole life, GUL and IUL) through kvlifeservices.com, social media, text, email and phone. You can reach us at info@kvlifeservices.com. This policy explains what we collect, why, who sees it, and your choices.

What we collect

When you contact us. You may message us on Instagram, TikTok, by text, email or phone, or be referred to us by someone you know. We may receive and keep your name, phone number, email address, social media handle, the messages you send, your preferred language and how you like to be contacted, and a record of when you agreed to be contacted. If you answer our Instagram chat questions, that tool asks for your name, age, state and whether you use tobacco.

To prepare a quote. We may ask for your age or date of birth, sex, state, tobacco or nicotine use, the coverage amount you want, whether you already have life insurance, and your occupation and income. We keep notes about your request and the quotes we prepare.

Our calculator. The calculator on our website runs in your browser. We do not receive what you type unless you choose to contact us and include your results.

Application questionnaire. If we send you a private link to our questionnaire, the answers you give there are collected to prepare your insurance application: your full name, date of birth, phone, email, home and mailing address, employment and income, the coverage you want, who will own the policy, your beneficiaries' names, relationships, dates of birth and shares, and any note you add. The link works only for you and expires after a few days. You can save your progress and return. Only our authorized staff can read your answers.

Technical information. When you visit our website, our hosting and security providers automatically record technical information such as your IP address, browser and device type, and the pages you view. Our website stores your language choice in your browser.

Sensitive information

Some of what we handle is sensitive: your tobacco or nicotine use, your income and coverage amounts, and the contents of your messages. We do not ask you for medical records, Social Security numbers, or bank or card numbers on our website or questionnaire, and the page refuses entries that look like them. Please do not send Social Security numbers, photos of passports or driver's licenses, bank or card numbers, or medical details by email, text or social media message. If we need a document from you, we will tell you a safe way to provide it. If one reaches us anyway, we use it only to complete your application and delete it when it is no longer needed.

Why we use it

To respond to you, prepare quotes, help you apply for a policy, send you information about your request (such as your questionnaire link and the status of your quote), keep our services secure, and meet our legal duties. The insurance company decides your final price and whether you are approved. We do not sell your information, we do not use it for targeted advertising, and we do not send you promotional newsletters. We may post general information about our services on Instagram and TikTok. Those platforms have their own privacy policies and decide what they collect when you view or interact with our posts.

Who sees it and who we share it with

Only we can see your records, through a password-protected system. We share your information only as needed with:

We have not sold or shared personal information for advertising in the past twelve months.

Calls and text messages

We may call or email you about the request you made or the policy we are helping you with. We text you only if you contacted us by text or asked or agreed to be texted, and we do not send promotional texts. Message and data rates may apply. Reply STOP to a text at any time and we will stop texting you.

Cookies and tracking

Our website does not use advertising or analytics cookies or trackers. It stores your language choice in your browser, and the spam check from Cloudflare may use a small security cookie. You can clear these in your browser settings. We do not respond to Do-Not-Track signals because we do not track you across websites.

How long we keep it

We keep your information for 5 years after our last contact, or after your policy ends if you become a client, unless the law requires us to keep it longer. After that we delete it or remove what identifies you.

How we protect it

We use reasonable technical and organizational safeguards: records are in a database that only we can open, private questionnaire links, a spam check, encrypted connections, and no payment or bank details are stored. No system is perfectly secure, so please share only what is needed.

Your rights and choices

To see, correct or delete your information, to stop being contacted, or to ask a privacy question, email info@kvlifeservices.com. Depending on your state (for example California, Colorado, Connecticut, Texas or Virginia), you may have the right to know what we hold about you, get a copy, correct it, delete it, limit the use of sensitive information, and opt out of sale or sharing for advertising, which we do not do. We will answer within 45 days, may need to confirm who you are, and will not treat you differently for making a request. We may keep records the law requires us to keep. If we decline a request, you may appeal by emailing us, and if the appeal is denied you may contact your state attorney general. You may also have someone act for you with your written permission. California residents may also ask which information we shared with third parties for their direct marketing. We share none.

Children

Our services are for adults. We do not knowingly collect information from anyone under 18. We may collect a child's name as a beneficiary or dependent, only from the adult who gives it to us. If you believe a child has sent us information, email us and we will delete it.

Changes

If we change this policy, we will post the new version here with a new date.

Contact

Email info@kvlifeservices.com, or send us a direct message on Instagram at @lilya_gio.

This website provides general information. It does not create insurance coverage or give a quote, and the calculator is an educational estimate only.