Privacy Policy

Kleos Insurance Agency Privacy Policy

Effective Date: October 26, 2023

This Privacy Policy describes how Kleos Insurance Agency collects, uses, and protects your personal information.

1. Information We Collect

We collect personal information, such as your name, address, phone number, email address, and date of birth, to process your insurance application and provide you with our services. This information may also include details about your health, but only as required by the insurance carriers.

2. Use of Information

We use your information to process your application, communicate with you about your application, and provide you with the requested services. We may also use your information to improve our services and products.

3. Sharing of Information

We may share your information with our insurance carriers and other third parties necessary to process your application and provide the services. We will only share information with these parties as permitted by law.

4. Security

We take reasonable measures 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.

5. Your Rights

You have the right to access, correct, or delete your personal information. Please contact us if you wish to exercise these rights.

6. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at (817)500-1662 or Support@SynapseAI-crm.com

7. Changes to Policy

We may update this Privacy Policy from time to time. We will post any changes on our website.

2601 Leora Lane BLDG 2, Unit 215

Lewisville, TX 75056

Support@SynapseAI-crm.com

Company

Resources

Kleos is a brand operated by Synapse Ai, LLC and is used by its affiliated licensed insurance agencies that specialize in final expense life insurance products. Kleos and Kleos.com are non-government entities and are not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.

Final expense life insurance obtained through Kleos is intended to help offset end-of-life costs, but the benefit may not cover every funeral expense, and your beneficiary can use the proceeds for any purpose. Because these policies focus on a specific need, their death benefits are generally smaller than those of traditional term or whole-life coverage and are not meant to provide broad financial support to survivors. Most plans do not require a medical exam, yet premiums rise with age, and applicants with significant health issues may receive graded or limited benefits during the first years of coverage. Reducing or skipping premium payments can curb cash-value growth and may cause the policy to lapse, while withdrawals or loans will decrease both the cash surrender value and the death benefit. Contributions are limited; exceeding IRS thresholds can turn the contract into a Modified Endowment Contract (MEC), making withdrawals and loans taxable. Product features and availability vary by state, and all guarantees rely on the claims-paying ability of the issuing life-insurance company.