Legal Information

Privacy Policy

Effective Date: January 1, 2025  |  Last Updated: October 2026

1. Who We Are

Total Lifetime Care Insurance Group, Ltd. ("Total Lifetime Care," "we," "us," or "our") is an independent insurance agency licensed to provide Medicare-related insurance guidance and enrollment services. Our principal contact is Richard A. Schlue, Founder & CEO. You may reach us at info@totallifetime.care or 1-800-658-0657.

2. Information We Collect

We may collect the following categories of information when you interact with our website, contact us directly, or enroll in a plan through our services:

• Contact Information: Name, phone number, email address, mailing address
• Health and Coverage Information: Medicare ID, date of birth, current insurance coverage, prescription medications, healthcare providers
• Financial Information: Income information relevant to plan eligibility (if applicable)
• Technical Information: IP address, browser type, device information, and website usage data collected via cookies and analytics tools
• Communication Records: Records of phone consultations, emails, and form submissions

3. How We Use Your Information

We use the information we collect to:

• Provide Medicare insurance guidance and enrollment assistance
• Communicate with you about your coverage options and annual review opportunities
• Comply with CMS and state insurance regulatory requirements
• Maintain compliance records as required by law
• Improve our website and service quality

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

4. Information Sharing

We may share your information in the following limited circumstances:

• Insurance Carriers: Information necessary to obtain quotes or complete enrollment in a plan you have chosen
• Service Providers: Technology vendors (such as CRM and scheduling platforms) who assist in delivering our services, bound by confidentiality agreements
• Legal Requirements: When required by law, court order, or regulatory authority
• Business Transfers: In the event of a sale or transfer of business assets, subject to confidentiality protections

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to analyze website traffic and improve user experience. You may adjust your browser settings to refuse cookies, though some site features may be affected. We use Google Analytics or similar tools to understand aggregate usage patterns — this data does not identify individual visitors.

6. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no internet transmission or data storage system is completely secure. We encourage you to contact us promptly if you have reason to believe your information may have been compromised.

7. Data Retention

We retain client records for a minimum of 10 years as required by CMS Medicare compliance standards and applicable state insurance regulations. Other information is retained as long as necessary to provide services or comply with legal obligations.

Data Collection Statement

This website may collect personally identifiable information when voluntarily submitted by a visitor through forms or scheduling tools. Information collected is used solely for the purpose of responding to inquiries or assisting with Medicare plan selection.

8. Your Rights

Depending on your state of residence, you may have rights to access, correct, or request deletion of your personal information. To exercise these rights, contact us at info@totallifetime.care.

9. Children's Privacy

Our services are intended for adults — Medicare-eligible individuals, which includes people under 65 who qualify due to disability or certain medical conditions, as well as independent insurance agents and agencies. We do not knowingly collect personal information from individuals under 18 years of age.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our services after such changes constitutes acceptance of the revised policy.

11. Contact Us

For privacy questions or to exercise your rights: info@totallifetime.care  |  1-800-658-0657

Terms of Service

Effective Date: January 1, 2025

1. Acceptance of Terms

By accessing or using the website at totallifetime.care ("Site") or by engaging the services of Total Lifetime Care Insurance Group, Ltd. ("Company"), you agree to be bound by these Terms of Service. If you do not agree, please do not use this Site or our services.

2. Nature of Services

Total Lifetime Care Insurance Group, Ltd. provides independent insurance agency services, including Medicare plan guidance, consultation, and enrollment assistance. We are not a government agency and are not affiliated with Medicare or any federal program.

3. No Guarantee of Coverage

Information provided through this Site or during consultations is for educational and informational purposes only. Insurance coverage is subject to the terms and conditions of the carrier and plan selected. Enrollment in any plan is subject to the carrier's eligibility requirements and availability in your area.

4. Accuracy of Information

We strive to maintain accurate and current information on this Site. However, insurance plan details, premiums, and availability change frequently. You should not rely solely on information presented here for final enrollment decisions. Please confirm all plan details directly with the carrier or during your consultation.

5. Website Use

You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local law
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Transmit any unsolicited commercial communications through the Site
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

6. Intellectual Property

All content on this Site, including text, design, graphics, and logos, is the property of Total Lifetime Care Insurance Group, Ltd. or its licensors. You may not reproduce, distribute, or create derivative works without written permission.

7. Third-Party Links

This Site may contain links to third-party websites, including carrier portals and tools like SmartEnroll and CleverRx. We are not responsible for the content, accuracy, or privacy practices of third-party sites. These links are provided for convenience only.

8. Disclaimer of Warranties

This Site is provided "as is" without warranty of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the maximum extent permitted by law, Total Lifetime Care Insurance Group, Ltd. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or our services.

10. Governing Law

These Terms are governed by the laws of the State of Ohio. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ohio.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site constitutes acceptance of the modified Terms.

HIPAA Notice of Privacy Practices

Effective Date: January 1, 2025

Our Commitment to Your Privacy

Total Lifetime Care Insurance Group, Ltd. is committed to protecting the privacy of your health information. As an insurance agency handling Medicare-related enrollment and guidance, we may receive or handle Protected Health Information (PHI) in the course of providing services to you.

What Is Protected Health Information (PHI)?

PHI is any information that relates to your past, present, or future physical or mental health condition, the provision of health care to you, or payment for that health care — when it can be used to identify you. This includes information such as your Medicare ID, date of birth, and prescription drug information shared with us during a consultation or enrollment process.

How We Use and Disclose Your PHI

We use and disclose your PHI only as permitted or required by law, including to:

• Provide insurance guidance and facilitate enrollment in Medicare plans you have chosen
• Communicate with insurance carriers on your behalf when you authorize us to do so
• Comply with CMS reporting and compliance requirements
• Respond to requests from authorized government agencies as required by law

We do not sell your PHI. We do not use your PHI for marketing purposes without your explicit authorization.

Your Rights Regarding Your PHI

You have the right to:

• Request access to PHI we hold about you
• Request corrections to inaccurate or incomplete PHI
• Request restrictions on how we use or disclose your PHI
• Request an accounting of disclosures of your PHI we have made
• File a complaint if you believe your privacy rights have been violated

How to Exercise Your Rights or File a Complaint

Contact us at: info@totallifetime.care or 1-800-658-0657.

You also have the right to file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights. We will not retaliate against you for filing a complaint.

Changes to This Notice

We reserve the right to change our privacy practices and this notice. If we make material changes, we will update this notice on our website.

Medicare & Insurance Disclaimer

Effective Date: January 1, 2025

Primary CMS Disclosure

Total Lifetime Care Insurance Group, Ltd. is not connected with the Federal Medicare program. By contacting this number, you will be connected with a licensed insurance agent. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or are in your Medicare Initial Enrollment Period.

Information on this website is provided for educational purposes only.

Contact and Agent Disclosure

A licensed insurance agent may contact you regarding Medicare plan options.

Plan Information

Medicare plan information, premiums, benefits, and availability are determined by CMS and participating insurance carriers. Plan details change annually. Information presented on this website should be verified directly with the carrier or at medicare.gov before making enrollment decisions.

Enrollment and Eligibility

Enrollment in any Medicare plan is subject to the eligibility requirements, terms, and conditions established by CMS and the relevant insurance carrier. Plan availability varies by state and county.

Scope of Licensure

Total Lifetime Care Insurance Group, Ltd. is licensed to provide insurance services in 21 states (see the Licensing section below for the full list). Residents of other states should contact licensed insurance professionals in their state.

Communication & Contact Policy

Effective Date: January 1, 2025

CMS Marketing Rules

Total Lifetime Care Insurance Group, Ltd. follows all CMS marketing guidelines governing Medicare insurance communications. We do not:

• Make unsolicited in-person contact at a beneficiary's home regarding Medicare plans
• Conduct sales activities in healthcare settings such as pharmacies or hospitals
• Offer gifts or other inducements to encourage plan enrollment
• Claim that Medicare will send you any card, document, or benefit through our agency

Scope of Appointment

Before discussing Medicare Advantage or Part D plan options, we are required by CMS to obtain a completed Scope of Appointment (SOA) form identifying the types of products you have agreed to discuss. We comply with this requirement in all consultations.

Telephone and Electronic Communications

By submitting a form or scheduling tool on this website, you agree to be contacted by a licensed insurance agent from Total Lifetime Care Insurance Group, Ltd. by phone, email, or text message regarding Medicare plan options. This consent is not a condition of enrollment.

By scheduling an appointment, you agree to a discussion of Medicare Advantage, Medicare Supplement, and/or Prescription Drug Plan options available in your area.

By providing your phone number or email address to us, you consent to receive communications related to your Medicare inquiry, including appointment reminders, plan information, and annual review notifications. We comply with the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act. You may opt out of electronic communications at any time by contacting us or following the unsubscribe instructions in any email we send.

SMS Text Messages

If you opt in to receive SMS text messages, standard message and data rates may apply. Reply STOP to any text message to unsubscribe. We do not share your mobile number with third parties for their own marketing purposes.

Contact Us

For questions about our communication practices: info@totallifetime.care  |  1-800-658-0657

Licensing Information

Effective Date: January 1, 2025

Agency Licensing

Total Lifetime Care Insurance Group, Ltd. is licensed to sell insurance products in the following 21 states:

• Alabama
• Arkansas
• Arizona
• Florida
• Illinois
• Kentucky
• Maryland
• Maine
• Michigan
• Missouri
• Mississippi
• North Carolina
• New Jersey
• Nevada
• Ohio (home state)
• Pennsylvania
• South Carolina
• Tennessee
• Texas
• Virginia
• West Virginia

Principal Licensee

Richard A. Schlue, Founder & CEO
National Producer Number (NPN): 16378952
Licensed Insurance Agent

Agency NPN

Total Lifetime Care Insurance Group, Ltd. — NPN: 18509764

Products We Represent

We are authorized to represent and enroll eligible beneficiaries in the following product types:

• Medicare Advantage Plans (Part C)
• Medicare Supplement Insurance (Medigap)
• Stand-Alone Prescription Drug Plans (Part D)
• Dental, Vision, and Hearing Supplemental Plans
• Life Insurance

Carriers We Represent

We are appointed with multiple insurance carriers. We do not represent every carrier or every plan available in your area. For a complete list of available plans, contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP).

Verification

You may verify our licensure through your state's Department of Insurance or through the National Insurance Producer Registry at NIPR.com.