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Privacy Notice

We have an SSL certificate and have the capability of using collected information securely over the internet with 128-bit SSL encryption security but do not have any quoting or application forms on this site that collect personal information.  We do have a Contact Us form on the site, and if you utilize that form to contact us, any information you provide comes to us in the fashion mentioned in the previous sentence.

We NEVER sell or rent your contact information, EVER. 

We share your information with Assurant ONLY if you are applying to enroll in the Pre-Need Funeral Arrangement Program (for purposes of enrollment; determining program eligibility; determining monthly or installment payments, and answering the required health questions).  We provide quotes using American Memorial/Assurant's quoting software, and all applications are done by preparing paper applications.

We follow HIPAA and HITECH guidelines and requirements. We send and receive replies containing Protected Health Information (PHI) and Personally Identifiable Information (PII) using secure email or attended fax.  

We protect the confidentiality and security of your personal and health information.  We maintain physical, electronic and procedural safeguards to protect your personal and health information. 

We collect Personally Identifiable (PII) and Personal Health Information (PHI) only to the extent necessary to determine your eligibility for participation in the program and to complete or help complete your application, depending on the method used for processing your application. 

We continue to evaluate our efforts to protect your personal and health information and make every effort to keep this information accurate and up to date.  If your personal or health information changes, or if you otherwise want to correct, update or delete your contact information held by us, you may contact us by email at or by mail at MPowering Benefits, c/o Paul Cholak, 1761 W. Hillsboro Boulevard, Suite 104, Deerfield Beach, FL 33442.  

Please note that once your application has been submitted to American Memorial (Assurant) you may have to contact American Memorial (Assurant) or us to update your application, PHI, or PII.

Information collection, use and sharing. MPowering Benefits is the sole owner of the information collected on this site.  We only have access to collect information that you voluntarily give us via email or other direct contact from you.  Unless you ask us not to, we may contact you via email or phone in the future to tell you about new products or services or changes to this privacy notice. 

Your access to and control over information. You can do the following at any time by contacting us by email at or by phone at 561-922-9316. You may contact us to: 

See what data we have about you, if any

Change/correct any data we have about you

Have us delete any data we have about you

Express any concern you have about our use of your data

Applying for the Pre-Need Funeral Arrangement Program. If you  make application through MPowering Benefits for a Pre-need Funeral Planning Arrangement Progam, we may ask you to provide personal, financial, and/or health information about yourself. This information helps determine plan eligibility and monthly or lump sum payments. We follow HIPAA and HITECH rules in collecting this information. 

Security of information. We send information containing personally identifiable information (PII) and/or protected health information (PHI) by secure encrypted email using the LuxSci system or fax the information (using a coversheet) to an attended secure fax. Our computers are all encrypted.  We take precautions to protect your information: only those who need the information to perform a specific job are granted access to PII or PHI. The computers in which we store PII and PHI are kept in a secure environment.        

Providing you with a quote, processing your application, or administration of the program. We may use your personal information to get in touch with you when necessary to process your application, provide you with a quote, determine if and how any health conditions affect your eligibility, and/or administration of the program once you have enrolled. For example, we may call or email you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. 

Privacy and security policy. We have developed and implemented a privacy and security policy.  

Cookies. This site does not use cookies since we do not take electronic applications on this site.

If you decide to stop being contacted by us for any reason, you may send an email with "UNSUBSCRIBE" in the headline to

You may also call us at 561-922-9316 (office), 561-734-3884 (local), or 877-734-3884 (toll-free).