Privacy Policy — Last updated 2026. Moksha Insurance Services collects your name, contact information, and the voluntary inputs you enter on this site (age, gender, height, weight, tobacco status, driving record, and general health history) solely to generate illustrative rate estimates and respond to your inquiry. We do not sell your personal information, rent it, share it for targeted advertising, or use it for profiling that produces legal or similarly significant effects about you. Information is transmitted only when you submit the contact form via Formspree. You may request access to, correction of, or deletion of your information by emailing .
Immigration-related information. If you use the Foreign National Eligibility Questionnaire on this page, we also collect immigration-related information that you provide: your residency and immigration status, visa or employment-authorization classification, whether that document is currently valid, your country of residence, your length of residence in the United States, your employment status, and whether you hold a Social Security number or an Individual Taxpayer Identification Number. We ask for this information for one reason only: carriers apply additional eligibility rules to applicants who are not US citizens and to US citizens living abroad, and we cannot identify which carriers can consider your application without it. We collect it on the basis of your separate, affirmative consent, given by checking the dedicated consent box on the contact form; you may decline, and you may withdraw consent at any time by emailing .
What we do not do with it. We do not share immigration-related information with any government agency, immigration authority, or law enforcement body, except where disclosure is required by law or valid legal process. We do not use it for any purpose other than insurance placement. We do not sell it, rent it, share it for targeted advertising, or use it to make any decision about you other than identifying suitable carriers. It is not combined with the approximate location data described below.
Never enter your actual numbers. This site never asks for and must never receive a Social Security number, ITIN, passport number, alien registration number, visa control number, or any other government identification number. We ask only which type of tax identification number you hold. Do not type an actual number into any field on this site.
Sensitive information and consent. Immigration and citizenship status are treated as sensitive personal information under New Jersey's Data Privacy Act and comparable laws in other states where we are licensed. We process this category only with your consent, only for the purpose stated above, and only for as long as needed for that purpose.
Health questions. The general health history questions are opt-in, and are handled more narrowly than any other input on this site: only the resulting rate-class estimate — never your individual answers to those questions — is included in what gets transmitted. This narrower handling applies to the health questions specifically. It does not apply to the immigration-related fields described above, which are transmitted to us as you entered them so that we can route your inquiry to the right carriers.
Retention. We retain questionnaire submissions and the contact information attached to them for no longer than twenty-four (24) months from your last contact with us, unless a longer period is required by law or by a carrier in connection with an application you have actually submitted. Immigration-related information is deleted as soon as it is no longer needed to place your coverage, or on your request, whichever comes first.
Third-party services: Formspree (form processing) and Calendly (scheduling) have their own privacy policies. This site uses ipapi.co to detect your approximate location (state) from your IP address. This is used for one purpose only: to pre-fill the state field in the contact form and to display the state-specific disclosures required of us. It is approximate, often wrong at the city level, is not linked to any answer you give in the questionnaire, and is not retained. No personally identifiable information is transmitted to the geolocation service; only your public IP address is used.
Intellectual Property: All content on this site, including the rate estimation tool, underwriting pre-screener, eligibility questionnaire, and carrier comparison framework, is the intellectual property of Moksha Insurance Services / Nitin Khanna. No portion may be copied, reproduced, or distributed without written consent.
Informational purposes only. This site does not constitute financial, tax, legal, or immigration advice. Rate estimates are non-binding and subject to full carrier underwriting. Eligibility results shown on this page reflect general carrier guidelines and are not a commitment by any carrier to consider or accept an application; final eligibility and rate class are determined solely by the carrier after a full application review. Insurance products and availability vary by state.
