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Privacy Policy

Prepare Insurance LLC takes a serious approach to your privacy. We believe in transparency between all parties involved, which means that you have access to all of the information that you provide to us, how we share that information to get you the best products, and how we take care of it. By using our Site, you consent to the ways your information is used in the manner described in this Privacy Policy.

We may update these terms from time to time and any updates to the Privacy Policy will be on our site for viewing. By using our site, you agree to be bound by the most recent version of this Policy.  If you have questions, please email us at hello@prepareinsure.com

About your information

Personal information, such as age, gender, nicotine use, and state, that you submit on this site is currently not stored by Prepare Insurance LLC. This information is used purely for the service of obtaining a personalized quote for you. We do, however, pass that information along at the end of the application process to get you a decision on whether you qualify to obtain insurance coverage. As a user, you are able to decline or prevent the disclosure of your information by the Prepare Insurance to third parties by choosing not to use our site.

We may collect non-identifying information to create a better user experience such as IP address to help diagnose technical problems and determine which parts of the site to update based on traffic based on content that is most important to our users.

Through the application process, we do ask for personal information such as email, phone number, address, and health questions, these are used in the underwriting process to determine if you are eligible for the coverage. We may pass it to a third-party company for underwriting purposes and use third-party systems for identification measures. We may, from time to time, reach out to inform you on other pertinent offers or notify you when your policy is at risk of lapsing. Your personal health information only gets sent to an Insurance Company when you go through the entire application and is not stored by Prepare Insurance. Upon receipt of shared information, the Insurance Company may seek to initiate contact with you.

While we strive to protect all information on this site, you understand that we are not responsible should an unauthorized third-party obtain your information without our consent. Should our website be hacked, we will notify you immediately of how it was affected and next steps. You agree that we are not responsible for any actions and will not hold us accountable if your information is taken in this way without our consent, permission, or knowledge.

You must be of minimum 18 years of age to use our website. This website is not intended for those under this age, to follow the Children’s Online Privacy Protection Act. We will not knowingly collect any information or advertise to those under the age of 18.

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Kearney, NE 68847
(402) 454-7433
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© 2025 Prepare Insurance

Prepare Insurance LLC does business as Prepare Insurance Solutions in California (CA License #6001570)
NOT AVAILABLE IN NEW YORK.
CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act (ACA). The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail. This policy may contain reductions of benefits, limitations and exclusions. Availability of this product, final underwriting requirements, benefits and cost will depend on your application.

Policy Form No. I H1820 underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

Conditions, Limitations and Exclusions
The following limitations and exclusions apply to the policy as approved in most states. Limitations and exclusions may vary by state. For a list of all limitations and exclusions, refer to the actual policy.

Pre-existing Condition – Assurity will not pay benefits for a critical illness that is caused by a pre-existing condition unless the date of diagnosis is after this policy has been in force for 12 months from the issue date or last reinstatement date.

Reduced Benefit After Age 70 – On the policy anniversary immediately following the later of the insured’s 70th birthday, or three years from the policy’s issue date, the policy benefit amount will be automatically reduced by 50 percent. This will be the benefit amount available for the remaining years the policy is in force.

Exclusions – Assurity will not pay benefits for conditions that are caused by or are the result of the insured person: being exposed to war or any act of war, declared or undeclared; actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Army Reserve, except during active duty training of less than 60 days; engaging in hang-gliding, hot air ballooning, bungee jumping, parachuting, scuba diving, sail gliding, motor vehicle racing, parasailing, parakiting, mountain or rock climbing, B.A.S.E. jumping, sky diving or cave diving; being addicted to drugs or suffering from alcoholism; being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where loss occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed to the insured person by a physician); committing or attempting to commit a felony; being incarcerated in a penal institution or government detention facility; engaging in an illegal occupation; intentionally self-inflicting an injury; or committing or attempting to commit suicide, while sane or insane.