Agreement to Conduct Business Electronically

About this agreement

This Agreement to Conduct Business Electronically (the “Agreement”) explains how Golden Shield Life Insurance LLC (“Golden Shield,” “we,” “us,” or “our”) may provide documents, obtain signatures, and communicate with you electronically.

Golden Shield is a licensed independent life insurance agency, broker, and income replacement insurance agency. We help consumers review, apply for, and service insurance and annuity products offered by third-party insurance companies. Golden Shield does not issue insurance policies or annuity contracts, make final underwriting decisions, or control an insurance company’s separate electronic-delivery requirements.

An insurance carrier, application platform, payment processor, or electronic-signature provider may ask you to accept its own terms in addition to this Agreement.

1. Records covered by your consent

Your consent allows Golden Shield and the service providers used for your transaction to create, send, receive, sign, and retain records electronically. Depending on the product and transaction, those records may include:

• Quote requests, applications, questionnaires, and related forms
• Identity, health-information, replacement, suitability, best-interest, and other authorizations or disclosures
• Quotes, illustrations, comparisons, proposals, and application-status updates
• Underwriting requests, decisions, and notices sent by an insurance carrier
• Policy, contract, rider, amendment, outline-of-coverage, and delivery documents
• Premium, billing, payment, and transaction confirmations
• Beneficiary, ownership, policy-service, claim, and account-related forms
• Privacy notices, consumer reports, legally required notices, and related communications
• Tax-related or account documents made available by an issuing carrier or authorized provider

This list describes records that may be provided electronically. It does not mean every item applies to your transaction or that Golden Shield creates, controls, or retains every record.

2. How electronic records may be delivered

Electronic records may be provided through email, a secure link, an electronic-signature service, a carrier or authorized service-provider portal, a downloadable file, or another electronic method used for your transaction. Transaction-related text messages may also be used when you provide a mobile number and the method is permitted by law.

Some messages may contain a link rather than the document itself. You are responsible for opening, downloading, and retaining records you wish to keep. Please review communications promptly because application, delivery, payment, or policy deadlines may apply.

3. Electronic signatures

You agree that your electronic action may serve as your signature. This may include clicking a button, checking a box, typing your name, entering a code, signing on a screen, or using another method that confirms your identity and intent.

To the extent permitted by applicable law, an electronic signature has the same legal effect as a handwritten signature. Your electronic signature may apply to the specific record presented to you and to related instructions or confirmations included in the same electronic process.

Do not allow another person to use your email account, mobile device, login credentials, verification code, or electronic signature to act for you. If you sign for a business, trust, estate, or another person, you confirm that you have authority to do so.

4. Technology you need

To conduct business electronically, you must have:

• A computer, smartphone, tablet, or similar device with reliable internet access
• An active email address that you can access
• A current version of Chrome, Edge, Firefox, Safari, or another commonly used browser
• Software or a browser capable of opening PDF files
• The ability to download or save electronic records
• Access to a printer if you want paper copies

Cookies, JavaScript, or pop-up windows may need to be enabled for some secure portals or electronic-signature services. By consenting after viewing this Agreement electronically, you confirm that you can access, read, and retain information in this format.

If these requirements change in a way that may materially affect your ability to access records, an updated notice and, when required, a new consent may be provided.

5. Keep your contact information current

You agree to provide a valid email address and mobile number, when applicable, and to notify Golden Shield when that information changes. Update your information by emailing gsli@goldenshieldlifeinsurance.com or calling or texting 678-884-4653.

Golden Shield is not responsible for a delivery failure caused by an outdated address, full inbox, spam filtering, device settings, inactive mobile number, or another issue outside our reasonable control. If an electronic communication is returned or cannot be delivered, we may contact you by another available method.

6. Paper copies

You may request a paper copy of a record that Golden Shield maintains and is permitted to provide by emailing gsli@goldenshieldlifeinsurance.com or calling or texting 678-884-4653. Golden Shield currently does not charge for ordinary paper-copy requests. An insurance carrier or third-party provider may have separate procedures or charges, which it should disclose separately.

You may also print or save documents when they are displayed or delivered electronically. Records maintained only by an insurance carrier or another provider may need to be requested directly from that organization.

7. Withdrawing your consent

You may withdraw your consent to conduct business electronically at any time by emailing gsli@goldenshieldlifeinsurance.com or calling or texting 678-884-4653. State that you are withdrawing your electronic-consent authorization and provide enough information for us to identify your records.

Your withdrawal will apply after we have had a reasonable time to process it. It will not affect the validity of electronic records, signatures, or transactions completed before the withdrawal became effective. After withdrawal, some transactions may need to be completed by paper, telephone, or directly through the issuing carrier. A carrier or service provider may require a separate withdrawal request for records under its control.

8. Copies, access, and record retention

You may download, save, or print records provided electronically. Golden Shield and its authorized providers may retain electronic records and an audit trail for business, legal, compliance, security, and dispute-resolution purposes, subject to applicable retention requirements.

An audit trail may include the date and time of an action, the document presented, the method used to sign or accept it, delivery information, and technical details such as an IP address, browser, or device identifier. These records may be used to confirm the authenticity and history of an electronic transaction.

9. Privacy and security

Electronic communication carries risks, including misdirected messages, unauthorized access, malware, service interruptions, and delays. Golden Shield uses reasonable administrative and technical measures for systems it controls, but no electronic method can be guaranteed to be completely secure or uninterrupted.

Do not send highly sensitive personal, financial, or medical information through ordinary email or text unless we specifically instruct you that the method is appropriate. Use a secure Golden Shield, carrier, authorized service-provider, or electronic-signature portal when one is provided. Our handling of personal information is also governed by our applicable privacy notices and policies.

10. Insurance carriers and third-party services

Golden Shield may use insurance-carrier systems and independent technology providers to prepare quotes, collect applications, verify identity, obtain signatures, receive payments, deliver documents, or service a transaction. Those organizations may provide separate privacy notices, electronic-consent terms, and security requirements.

If a carrier’s or provider’s terms apply to a record or transaction under its control, those terms will govern that organization’s electronic process. A conflict between this Agreement and an issuing carrier’s legally required form does not change the carrier’s form or Golden Shield’s limited role as an independent agency or broker.

11. Delivery and legal effect

To the extent permitted by law, an electronic record is considered provided when it is sent to the email address or mobile number you supplied, posted to the secure portal designated for your transaction, or otherwise made available through the agreed electronic process. Applicable law or a carrier’s contract may establish a different delivery rule for a particular record.

Golden Shield may provide any record on paper, require a paper record or handwritten signature, or discontinue an electronic process when reasonably necessary. Your internet or mobile provider may charge ordinary data, messaging, or access fees.

12. Changes to this Agreement

Golden Shield may update this Agreement to reflect changes in law, technology, service providers, or business practices. If a change materially affects your ability to access electronic records or the scope of your consent, we will provide notice and request renewed consent when required by law.

13. Your acknowledgment and consent

By agreeing electronically, you confirm that:

• You have read and understand this Agreement
• You are at least 18 years old and have authority to provide this consent
• You can access, read, download, and retain electronic records in the formats described above
• The email address and mobile number you provide belong to you or are under your control
• You consent to electronic records and signatures for the transactions described in this Agreement
• You understand electronic business is optional and you may request paper records or withdraw consent
• You understand that a carrier or service provider may require a separate electronic-consent agreement