Privacy & Legal Policy

Life Insurance No Medical Privacy Notice and Legal Statement

By visiting this site it is assumed all users have read Life Insurance No Medical’s privacy policy and legal terms of use. Please read our privacy statement below.

Our Privacy Commitment

We are committed to protecting all personal information entrusted to us. The purpose of this notice is to let you know how we treat personal information about our prospects and existing clients including former clients.

We do not sell any information. We do not sell information on any prospects that have visited our site nor do we sell information on former or existing clients.

We only collect and share information, as required by law, to assist our prospects and clients in obtaining the highest quality life insurance and financial products.


We protect the personal information of our prospects and clients. We restrict access to personal information to those who need it to help us secure the best products for our clients or as the law requires. We train our employees to keep all personal information confidential and safe. We maintain physical, electronic, and procedural safeguards.

Information We Collect

The personal information we collect depends on the specific insurance product you have an interest in.

Information from Individuals

Most all personal information is obtained from your insurance application. We also get additional information from any additional supplemental forms that may be required with the application paperwork. This may include information such as:

  • Name, address, telephone number, date of birth and social security number
  • Income, assets and investment preferences
  • Information on health and habits, if you apply for life insurance or make a claim
  • Information to process transactions or to conduct online transactions
  • Personal medical information including the names addresses and telephone numbers of doctors.

Information from Third Parties

If required, we may also obtain information from third parties. For example, we may need additional information in order to evaluate your application or verify your identity. This additional information may include:

  • Personal and credit information from consumer reporting agencies
  • Health history from medical providers and the Medical Information Bureau, Inc. (MIB, Inc.)
  • Employment and benefit information from employers, plan sponsors and administrators
  • Information from other companies about contracts or accounts transferred to us

Consumer reporting agencies may keep the information they collect. They may share that information with others to the extent allowed by law. If you contact another insurer to apply for life or health insurance or make a claim, the MIB, Inc. will supply that company with the information it has in its files.

Transaction Information

We keep records of all client transactions. This may include information such as:

  • Benefits, contract values, payments and account activities
  • Beneficiaries and claims
  • Web site visitor information

Medical Information

We collect personal medical information only to underwrite life and disability insurance or process claims. We will first obtain written consent from you before we obtain any medical information from third parties. You can be assured that your personal medical information will only be used to help you obtain the most favorable insurance products that fit your given circumstances.

We do not share medical information for marketing purposes. We only share it within strict limits as allowed or required by law. We will, with your permission, allow several insurance companies to review your file simultaneously on a “trial basis” so that there a several options from which to obtain offers.

Information We Share

We share information only in a limited way to assure our prospects and clients get the best outcome given their insurance needs, or as required by law.

Within Life Insurance No Medical

The law allows us to share the personal information listed above with third parties that help us conduct business. For example, we may share personal information to help secure better offers in the event that normal channels are not delivering the best results. This will specifically be with the confines of insurance underwriting.

We share only the information our insurance companies and brokerage specialists need to carry out their duties. We require that they use it only for that purpose and keep all information confidential.

With Others

We may share with other third parties involved in providing or maintaining your insurance policy. We share only the information needed to perform their duties. This may include:

  • Any joint insurance agent
  • Your physician and insurance support organizations such as MIB, Inc.
  • Employers, plan sponsors and administrators

We will share personal information if you direct or authorize us to do so, or if we are required to do so by law enforcement, governmental or regulatory agencies.

Access and Information Correction

We want to make sure the information we have is accurate. Generally, upon written request, we will provide you with the personal information about you in our files, including any disclosures of medical information. If you believe that any of our records are incorrect, you may contact us in writing to request a correction.

Legal Policy

The Web sites of Life Insurance No Medical’s companies are in no way to be construed as an offer for the sale of securities, insurance products or retirement plans in unauthorized states or countries of MEG Financial companies.

Tax & Legal Disclosure

Life Insurance No Medical and its representatives do not give tax or legal advice. This presentation is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties must consult with and rely solely upon their own independent advisers regarding their particular situation and the concepts presented here.

Discussions of the various planning strategies and issues are based on our understanding of the applicable federal income, gist, and state tax laws in effect at the time of this presentation. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept Life Insurance No Medical’s interpretations. Additionally, this material does not consider the impact of applicable state laws upon clients and prospects.

Although care is taken in preparing this material and presenting it accurately, Life Insurance No Medical disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.


Financial calculators and/or calculation tables included on Life Insurance No Medical companies web site are for illustration purposes only and should not be the sole source for financial planning decisions. Contact your tax adviser or financial adviser before making any changes to your financial plan.


Life Insurance No Medical does not make any express or implied warranties, representations or endorsements with respect to downloadable files of Life Insurance No Medical’s Web sites. They may be downloaded and/or reprinted for personal use only. If you wish to reproduce any document or graphic, in whole or in part, from this site for non-personal purposes, you must first request permission in writing from the appropriate Life Insurance No Medical copyright holder.

Registered Trademarks

Life Insurance No Medical companies web site includes both registered and unregistered trademarks, service marks and logos. They are subject to the laws of the United States and other countries worldwide and are the property of their respective owner. You may not copy, modify, store, transmit, reproduce or distribute any part of the information or content of these trademarks, service marks or logos without the specific prior written consent of Life Insurance No Medical.

Links to Other Sites

Life Insurance No Medical companies web site may provide links to outside Web sites that are not affiliated in any way with Life Insurance No Medical. Because Life Insurance No Medical does not review or control the content of these sites, MEG Financial is not responsible or liable for the content or accuracy of these external Web sites.

Limitation of Liability

By using Life Insurance No Medical companies web site, you agree that Life Insurance No Medical shall not be liable or responsible, directly or indirectly, for any damage or loss alleged to be caused by or in connection with the use of this site.


We reserve the right to make changes to Life Insurance No Medical companies web site and our legal disclaimers. We encourage you to review the Web site and these disclaimers periodically for any updates or changes. Your continued access or use of this site shall be deemed your acceptance of these disclaimers and any subsequent changes.

For More Information on Privacy Issues, Please Contact:

MEG Financial, Inc.

PO Box 88
Cantonment, Florida 32533

Toll free 877-583-3955

Michael E. Gray, Jr., is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for Michael E. Gray, Jr. as required by state law: CA agent #0C39049, LA agent #296885, MA agent #1752330, MN agent #IN-20371201, UT agent #119965. Commercial use by others is prohibited by law. No portion of this website may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of Michael E. Gray, Jr and Life Insurance No Medical Company.

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