TCPA & Do Not Call Policy

TCPA, Marketing Communications & Do Not Call Policy

Website operator: Medical Life Club, LLC

Website: medicallifeclub.com

1. Purpose and Participating Companies

This policy explains our practices concerning marketing calls, text messages, automated communications, and Do Not Call requests.

Depending on the website and consent form you use, participating companies may include:

• Prime Insurance Services
• Premier Services
• Senior Benefit Advantage
• Senior Benefit Group
• Medical Life Club
• Medical Life Club, LLC, doing business as Mlifeinsurance.com

These companies are referred to individually as a “Participating Company.” Listing a company in this policy does not, by itself, authorize it to contact you. Your authorization depends on the disclosure you actually receive and the consent you provide.

2. Products and Purposes of Contact

With appropriate permission or another lawful basis, a Participating Company may contact you regarding your inquiry, requested quotes, appointments, or products and services described in your consent form. These may include senior-related insurance, life insurance, final expense insurance, and medical alert devices and monitoring services.

Marketing permission does not enroll you in insurance, purchase a device, activate monitoring, or authorize payment.

3. How Marketing Consent Is Obtained

When our form requests marketing consent, you may provide it by voluntarily selecting the consent checkbox and submitting the form. That action constitutes your electronic signature to the consent language displayed with the form.

Consent applies to the telephone number you provide, the companies identified in that disclosure, the stated products or services, and the communication methods described there.

Simply visiting our website, reading this policy, or providing a telephone number without the required affirmative agreement does not constitute written consent to automated marketing.

You represent that you are the subscriber or customary user of the number provided and are authorized to grant permission to contact it. Please notify us if you stop using that number.

4. Automated Dialing, Prerecorded Messages, and AI

Where authorized and legally permitted, marketing communications may involve:

• Live representatives and manually dialed calls.
• Automatic telephone dialing systems (ATDS).
• Other automated, predictive, or power dialers.
• Prerecorded messages and artificial voices.
• AI-generated or synthetic voices, including interactive AI voice agents.
• Automated marketing text messages.

An AI voice agent may communicate conversationally without a live person speaking each response. Our practice is to identify an AI voice agent at the beginning of an AI voice interaction and identify the company on whose behalf it is contacting you.

Consent to automated communications does not authorize impersonation, deceptive caller identification, or misleading statements.

5. Consent Is Optional

You do not have to consent to marketing calls or texts as a condition of purchasing goods or services.

To ask about available products without agreeing to automated marketing, contact 800-390-4371 or support@medicallifeclub.com.

6. Third Parties and Service Providers

We may use call centers, licensed agents, messaging platforms, and other service providers to communicate on behalf of an authorized Participating Company. Their communications must remain within the scope of your permission and applicable law.

Independent third-party sellers are not automatically authorized to contact you merely because they work with us or appear on a general partner list. If we seek permission for an additional independent seller to market to you, we will identify that seller and obtain the authorization required for that contact.

We do not treat changes to this policy or a partner list as your consent to marketing from newly added sellers.

7. National and State Do Not Call Registries

We respect applicable federal and state Do Not Call requirements and maintain company-specific suppression records.

If you provide valid permission to a specifically identified company, that company may contact you despite a registry listing only to the extent applicable law permits. Such permission does not remove your number from any government registry.

You may withdraw permission and ask us to stop marketing communications at any time. A company-specific Do Not Call request overrides reliance on a prior business relationship for future marketing calls.

You can learn about the National Do Not Call Registry at www.donotcall.gov.

8. Withdrawing Consent and Requesting No Further Contact

You may revoke consent or request that marketing calls and texts stop by any reasonable method, including:

• Replying STOP to a marketing text.
• Telling a representative or AI voice agent, “Stop calling me” or “Put me on your Do Not Call list.”
• Using an available automated call opt-out.
• Calling 800-390-4371.
• Emailing support@medicallifeclub.com.
• Writing to Medical Life Club, LLC, 30 N Gould St STE N, Sheridan, Wyoming 82801.

Include the telephone number involved so we can locate and suppress it. You do not need to explain your decision, pay a fee, or use only one designated opt-out method.

Our policy is to treat an unqualified request to stop marketing as applying to both marketing calls and marketing texts from the company receiving the request and its agents. If you ask us to stop marketing from all Participating Companies, we will coordinate suppression across those companies and their service providers.

We process requests promptly, within applicable legal deadlines. We do not require you to hear a sales pitch before honoring your request.

A single nonmarketing text may be sent to confirm an opt-out where permitted. Withdrawing marketing consent does not cancel an existing policy, subscription, purchase, or monitoring service.

9. Text Messaging

Marketing message frequency varies according to your request and the applicable campaign. Message and data rates may apply.

Reply STOP to opt out or HELP for assistance, or contact 800-390-4371 or support@medicallifeclub.com.

Text delivery is not guaranteed. Do not use marketing text channels to report an emergency or request emergency medical assistance.

10. Calling Practices and Identification

We restrict marketing outreach to permitted hours based on your local time and apply stricter state requirements where applicable.

Callers must identify the company on whose behalf they are contacting you and provide a working callback method. Where required, automated or prerecorded calls include an accessible automated opt-out mechanism.

Our service providers must follow our consent restrictions and suppression instructions. We do not authorize misleading claims of government affiliation or deceptive caller identification.

11. Privacy and Consent Records

Our Privacy Policy, available at medicallifeclub.com/privacy-policy, explains how we collect, use, disclose, and protect personal information.

We may retain records documenting the disclosure displayed, companies identified, telephone number, affirmative consent action, date and time, source page, and related technical information. We also retain opt-out and suppression records to help prevent unwanted contact.

Marketing authorization is limited to the permission actually obtained. It is not unlimited authorization to sell or redistribute your information.

12. Insurance and Medicare Limitations

Insurance availability, eligibility, premiums, underwriting, and benefits vary by insurer, product, and state. Marketing consent is not an insurance application or a guarantee of coverage.

This policy does not replace any separate permission-to-contact, Scope of Appointment, enrollment, or other authorization required for Medicare-related activities. We obtain additional permissions where required before conducting those activities.

13. Policy Changes

We may update this policy by posting a revised version and effective date. Changes do not retroactively expand your consent, add new authorized sellers, or override an existing opt-out.

14. Contact and Complaints

For questions, consent withdrawal, Do Not Call requests, or reports of unwanted communications, contact:

Policy administrator: Medical Life Club, LLC, Customer Support

Telephone: 800-390-4371

Email: support@medicallifeclub.com

Mailing address: 30 N Gould St STE N, Sheridan, Wyoming 82801

If reporting unwanted contact, please provide the number contacted, approximate date and time, and the caller’s name or sending number if available. Please do not send bank details, payment card information, or Social Security numbers.