Michael Fliegelman
CLU, ChFC, RFC Michael Fliegelman

Hi, I'm Michael Fliegelman. I created this Website, WhyWholeLife.com to answer this question, and many more you may have. You may, or may not already know a lot about life insurance. Perhaps you read an article somewhere, attended a seminar, or got a call from someone.

Michael Fliegelman CLU, ChFC, RFC

Click Here to visit MichaelFliegelman.com to learn more about my firm.

Privacy Policy

PRIVACY POLICY - Effective: January 1, 2009

This Privacy Policy applies to the Why Whole Life Website located at www.WhyWholeLife.com, and governs its data collection, usage, and services. This Privacy Policy discloses how we collect, protect, use, and share information gathered about you on our Web site.

Non-Personal and Aggregated Information Collected Automatically

When you visit our Web site, we log general data, such as your domain name, the name of the Web page from which you entered our Web site, which pages you visit on our Web site, and how much time you spend on each page. We use this information to monitor use of and improve our Web site as well as for internal analysis. In particular, we use IP addresses to analyze trends, administer the Web site, and gather information for aggregate use. (IP addresses are not linked to personally identifiable information.)

Use of Cookies

Our Web site may uses “cookies” to help personalize your online experience, such as recognizing repeat visitors. A cookie is a text file that is anonymously placed on your hard disk by a Web page server. WhyWholeLife.com cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web server in the domain that issued the cookie to you. WhyWholeLife.com does not match your personally identifiable information with the cookie assigned to you. We will not share or sell non-aggregated information contained within cookies with any third party.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of our Web site or receive some of our services.

Personal Information You Provide

You can use our Web site without divulging any personally identifiable information including your e-mail address. Our Web site does not collect personally identifiable information about you unless you expressly provide such information to us on a voluntary basis, for example, when registering on our alumni Web site aschacterlaw.com, subscribing to our newsletter, or requesting more information to be sent to you about the WhyWholeLife.com. We may also add the information you provide to our databases, subscriber lists, and/or contact lists. In the event you do not want to submit personal information via our Web site, you may contact us directly by writing or calling the contact provided below.

When you submit personal information to WhyWholeLife.com, you understand and consent to the transfer of your personal information across national borders and the storage and processing of your information in a country that may not provide privacy protections similar to those your country provides.

WhyWholeLife.com does not rent, sell, or share personal information about you with third parties or nonaffiliated companies except as required by law or in response to a government investigation. To the extent third parties assist the WhyWholeLife.com in the provision of this Web site or services offered on this Web site, those third parties have no independent rights to your data, and have agreed to adhere to this Privacy Policy.

Our Commitment To Data Security

To prevent unauthorized access to your personal data, maintain data accuracy, and ensure the correct use of information, we have put in place commercially reasonable physical, electronic, and managerial procedures to safeguard and secure the information we collect through this Web site.

External Links

WhyWholeLife.com may provide links to external Web sites for your convenience. The links and information these sites contain are not monitored by us and those sites are subject to their own privacy policies and terms and conditions of use. We are not responsible for the content, accuracy, or practices of these sites nor do we endorse these sites or content provided thereon.

Changes to this Privacy Policy

We will occasionally amend this Privacy Policy to reflect company and customer feedback. The effective date of the most recent Privacy Policy is noted at the top of this Privacy Policy. We encourage you to periodically review this policy to be informed of how we are committed to protecting your information and providing you with improved content on our Web site. If we make any material changes in the way we collect, use, and/or share the personal information that you have voluntarily provided, we will notify you by posting notice of the changes in a clear and conspicuous manner on the WhyWholeLife.com Website. By using the WhyWholeLife.com site, you signify your agreement with the terms of this Privacy Policy.

Questions about our privacy policy and contacting WhyWholeLife.com:

If you have any questions about this Privacy Policy, please contact us by e-mail at: MFliegelman@gmail.com

Michael Fliegelman

Phone: 631-806-3568

If you wish to discontinue or ‘opt out’ of the use of your personal data by the WhyWholeLife.com, or to unsubscribe from any newsletter or promotional materials, please contact us by e-mail at: MFliegelman@gmail.com or at the contact information above.

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PLEASE NOTE: The information being provided is strictly as a courtesy.When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

Tel: 631-806-3568
Email: MFliegelman@gmail.com

Licensed to sell insurance in CA (license # 0B36857), CT, FL, MA, NJ, NY OH, PA.

Securities products and services are offered through Registered Representatives of Park Avenue Securities LLC (PAS) 7 Hanover Square, New York, NY 10004, 1-888-600-4667.
WhyWholeLife.com, MichaelFliegelman.com, etc. Company (DBA, Innovative Planning Services, Inc.) is not an affiliate or subsidiary of PAS. PAS is a member FINRA & SIPC.

Michael Fliegelman is securities licensed in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IO, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TE, TX, UT, VA, VT, WA, WI and is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states. Michael Fliegelman, Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products/ services and advisory services are offered through PAS, a registered broker-dealer and investment advisor. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect wholly owned subsidiary of Guardian. Innovative Planning Services is not an affiliate or subsidiary of PAS. PAS is a member FINRA, SIPC is securities licensed in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IO, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TE, TX, UT, VA, VT, WA, WI and is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside. Neither Guardian, nor its subsidiaries, agents, or employees provide tax or legal advice. You should consult your tax or legal advisor regarding your individual situation..