Cookie Policy

Cookies are small text files a website stores on your device. They let the site remember things like whether you are signed in and help us understand how the site is used.

Essential cookies keep the site working — they maintain your member session, protect forms, and remember basic preferences. The site cannot function properly without them.

Analytics cookies help us see which pages people visit and where they get stuck, so we can improve our guides and tools. This data is aggregated and does not identify you personally.

Functional cookies remember choices you make, such as entries saved in a calculator or a form you started.

Some pages embed or link to services run by our partners — for example licensed broker enrollment portals or scheduling tools. Those providers may set their own cookies, governed by their own policies.

You can delete or block cookies in your browser settings at any time. Most browsers let you clear cookies, block third-party cookies, or warn you before one is set. Blocking essential cookies may sign you out of the member portal and prevent some features from working.

Browsers vary in how they send "Do Not Track" signals and there is no common standard for responding to them. We do not sell personal information collected through cookies.