Policies and disclosures

Effective May 8, 2026

Privacy Policy

Blue Crest Life is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard the information you provide to us.

Information We Collect

We may collect personal information including:

• Name
• Phone number
• Email address
• Address
• Insurance-related information
• Information submitted through forms, quote requests, or direct communication

How We Use Your Information

Your information may be used to provide insurance quotes and policy information, contact you regarding your inquiry, schedule appointments or follow up with you, connect you with licensed insurance professionals or carriers, and improve our services and customer experience.

Information Sharing

Blue Crest Life does not sell your personal information. We may share your information with licensed agents, insurance carriers, and trusted service providers when necessary to provide services related to your inquiry or coverage options.

Data Security

We take reasonable precautions to protect your information from unauthorized access, disclosure, or misuse. No method of transmission or storage is completely secure.

Cookies & Website Tracking

If applicable, our website may use cookies or analytics tools to improve user experience and monitor website performance. Nonessential tracking should only be enabled with appropriate notices and controls where required.

Your Rights

You may request to access, update, or delete your personal information at any time by contacting us. Additional state-specific rights may apply depending on where you live.

Policy Updates

This Privacy Policy may be updated periodically. Updated terms will be posted here with a revised effective date.

Contact Information

Blue Crest Life · Owner: Joshua Wilkerson
joshuawilkersonbusiness@gmail.com
(910) 880-5311

Website use

Terms of Use

By using this website, you agree to these terms. The website is provided for general educational and informational purposes and may be updated or discontinued at any time.

Insurance Information Disclaimer

Website information, quote requests, consultations, and educational materials do not constitute an insurance policy, insurance contract, offer of coverage, legal advice, tax advice, accounting advice, or investment advice.

No Guarantee of Coverage

Submitting information does not guarantee eligibility, approval, issuance, rates, benefits, product availability, or claim payment. Insurance decisions are made by the applicable carrier under its underwriting guidelines and policy contract.

Accuracy and Third-Party Links

We aim to keep information useful and current but do not warrant that every item is complete or error-free. Third-party websites and services are governed by their own terms and privacy practices.

Acceptable Use and Intellectual Property

You may not misuse this website, interfere with its operation, attempt unauthorized access, or copy protected content without permission. Blue Crest branding, original website content, and design elements are protected by applicable law.

Limitation and Governing Terms

Use of this website is at your own risk to the extent permitted by law. Governing-law and venue language should be finalized with Blue Crest Life Group’s legal/compliance resources before public launch.

Insurance information

Licensing & Disclosures

Blue Crest Life Group operates as an independent insurance agency. Recommendations may consider products from multiple carriers based on availability, client needs, underwriting, and authorization.

Licensing Information

Legal entity: Blue Crest Life LLC. Insurance business is conducted only where the agency and applicable producer are properly licensed and authorized. License numbers and any required state-specific disclosures must be inserted and verified before public launch.

Product Availability

Insurance products, eligibility, availability, premiums, benefits, features, riders, and underwriting requirements vary based on carrier, state, age, health, underwriting, product, and individual circumstances.

Carrier Relationships

Blue Crest Life Group may receive compensation from insurance carriers for policies issued through those carriers. Carrier availability varies by state and applicant. Display of a carrier name does not imply endorsement beyond an authorized insurance relationship.

Indexed Universal Life Disclosure

IUL is life insurance, not a direct investment in a market index. Policy performance depends on funding, charges, credited interest, caps, participation rates, floors, and contract terms. Cash value and future performance are not guaranteed except as specifically stated in the policy contract.

No Professional Advice

Website content is general educational information and is not individualized legal, tax, accounting, or investment advice. Consult qualified professionals regarding your circumstances.

Client communications

SMS Terms & Conditions

When you voluntarily provide a mobile number and expressly agree to receive text messages, Blue Crest Life Group may send appointment confirmations, reminders, consultation follow-ups, requested insurance information, and service-related updates.

Consent and Frequency

Consent is not a condition of purchasing insurance. Message frequency varies based on your requests and appointment activity. Message and data rates may apply.

Opt Out and Help

Reply STOP to opt out of SMS messages. Reply HELP for assistance, or contact (910) 880-5311. Carriers are not responsible for delayed or undelivered messages.

Privacy

Information collected through SMS communications is handled according to the Privacy Policy above. Final messaging language and operational practices should be reviewed for applicable federal and state requirements before launch.

Digital access

Accessibility Statement

Blue Crest Life Group intends to provide an inclusive, user-friendly website experience for visitors of different abilities and technologies.

Our Efforts

We work toward clear navigation, readable typography, logical heading structure, keyboard accessibility, visible focus states, descriptive alternative text, sufficient color contrast, and responsive layouts.

Third-Party Content

Some portions of the website may rely on third-party platforms. We encourage accessibility across those services but cannot control their independent accessibility practices.

Need Assistance?

If you experience difficulty accessing website content, call (910) 880-5311 or email joshuawilkersonbusiness@gmail.com. Please identify the page or feature and your preferred way to receive assistance.