Privacy Policy

Norcrest Insurance · Last updated: November 2, 2026

1. What we collect when you apply

When you apply for an independent broker position at norcrestins.com, we collect:

• Name, email address, and phone number
• City and state of residence
• Resume file and licensing information you provide
• Your responses to screening questions

2. What we collect once you're hired — onboarding & contracting

If you accept a position, we send you a separate onboarding link to collect the additional information carriers require to run your appointments:

• Your full home address (street, city, state, ZIP)
• Date of birth
• National Producer Number (NPN)
• Your resident state license and any non-resident state licenses you hold
• Your AHIP certification status and Errors & Omissions (E&O) insurance status
• Your prior appointment history with specific carriers (Aetna, Anthem/Elevance, Wellcare, Zing, UHC, Cigna/Healthspring, HCSC, Devoted, and Humana) — i.e., whether you've previously been released, terminated, or never contracted with each
• Your Social Security Number (SSN) — see Section 4 below for exactly how this is protected and used

This information is used only to submit your carrier appointment paperwork, set up your producer record with Norcrest, and pay you. It is not used for any marketing purpose.

3. SMS text messaging — terms, opt-in and opt-out

Norcrest Insurance sends text messages in two programs. The rules below apply to both.

A. Clients (Norcrest Insurance Client Care)

What you'll get: If you enroll in a plan through Norcrest Insurance, we may text you about your plan and customer service — for example, plan and enrollment updates, ID card and effective-date reminders, appointment and callback reminders, and answers to questions you send us.

How you opt in: Your licensed agent asks for your permission on a recorded phone call before any texts are sent. The agent reads you these terms: who is texting you, that message frequency varies, that message and data rates may apply, how to reply STOP to opt out or HELP for help, and where to find this policy. We only text you if you say yes. Agreeing to texts is not a condition of buying any plan or service.

No marketing without separate written consent: Client Care texts are about your plan and service only. We will not send you marketing or sales texts unless you separately give us written consent for that.

B. Job applicants (hiring)

By providing your phone number on the application form, you consent to receive interview-related SMS messages from Norcrest Insurance. Messages may include interview confirmations, 24-hour and 2-hour reminders before scheduled interviews, scheduling change notifications, and follow-ups after missed interviews. Typically 1–4 messages per interview.

Terms for all Norcrest text messages

• Message frequency varies.
• Message and data rates may apply. Check with your mobile carrier for details.
• To stop texts, reply STOP to any message. You'll get one text confirming you've been unsubscribed, and then no more texts from that program. You can also reply CANCEL, END, QUIT, UNSUBSCRIBE, or STOPALL, or tell us in any reasonable way (for example, telling your agent or recruiter). To start again, reply START.
• For help, reply HELP to any message, or email admin@norcrestins.com.
• Mobile carriers are not liable for delayed or undelivered messages.

We do not sell, rent, or share your mobile phone number or text-message opt-in data with third parties or affiliates for their marketing or promotional purposes. Text-message opt-in data and consent are never shared with any third party, except with the service providers that deliver our messages (see Section 5), who may use it only to send our texts.

We do not put Social Security numbers, Medicare numbers, or medical details in text messages.

4. How we protect and use your Social Security Number

Norcrest Insurance treats your Social Security number and other sensitive onboarding information as confidential personal information and maintains administrative, technical, and organizational safeguards designed to protect it. Specifically:

• At rest, your SSN is encrypted in our database using AES-256 authenticated encryption and is not intentionally stored in plaintext in our production database.
• Inside our systems it is hidden by default. Only authorized Norcrest contracting staff can view it, by taking a deliberate, logged action in our internal Agents application.
• To get you appointed, we put your SSN on the contracting forms and spreadsheets each carrier requires. These are kept in our company Google Workspace account, available only to the people handling your contracting, and sent only to the insurance carriers in Section 2 and, where a carrier requires it, the upline agency or marketing organization that submits our contracting. Carriers require this to process appointments. We don't use or share your SSN for anything else.
• We never put your SSN in text messages.
• We do not use your SSN for credit checks, background checks unrelated to licensing, or any purpose other than carrier appointment and identity verification.

5. Who we share information with

We share your information only with our internal hiring/contracting team, the insurance carriers named in Section 2 and the upline agency or marketing organization that submits our contracting (for onboarded agents only), the insurance carriers you enroll with (for clients), and the third-party service providers required to operate this site and pay you:

• Brevo — to send transactional emails
• SignalWire — to send and receive text messages (client and applicant programs)
• Calendly — to schedule your interview
• Zoom — to host your interview
• DocuSeal — to present and collect your signature on your Producer Agreement
• Gusto — to pay your commissions and issue your 1099 tax form (you enter your own payment and tax details with Gusto)
• Google Cloud — to securely store your application and onboarding data (database and servers in the United States)
• Google Workspace — email, documents and spreadsheets our team uses for hiring and carrier contracting
• Discord — a brief internal notification is posted to our team when your onboarding packet is complete. This notification never includes your SSN, date of birth, or home address.

We do not sell your personal information to any third party.

6. How long we keep your information

If you are not hired, your application is marked archived 7 days after rejection and heavier data tied to it — your resume file, assessment responses, and assessment audio — is deleted from our active database. Your name and contact information remain on file in archived form (not shown in the active hiring pipeline) for internal recordkeeping, fraud-prevention, and dispute-resolution purposes, except where we're required to retain more for legal or compliance reasons. Residual copies may also remain temporarily in secure backups and in the third-party providers listed in Section 5 (e.g. email, SMS, scheduling), following each provider's own retention practices, until overwritten by normal backup cycles. If you are hired, your application and onboarding data (including your encrypted SSN) is retained as part of your producer record for as long as required by applicable insurance regulations and carrier record-keeping requirements, and for a reasonable period after that relationship ends as required by law.

7. Your rights

You may request a copy of your data, request deletion of your data (where we are not required to retain it by law or carrier requirements), or opt out of further communications by emailing us at the contact below.

8. Contact

Questions about this policy? Email admin@norcrestins.com.