Frequently Asked Questions

HaloText is a free educational service that sends actionable Helpful advice via text message. Each tip is written and reviewed by licensed insurance professionals to help you understand auto, health, home, and life insurance coverage, save money, and make informed decisions.

All advice are written and reviewed by licensed insurance professionals with years of industry experience. We don't use marketing copywriters—only experts who understand the nuances of insurance coverage and can provide practical, accurate advice.

No. HaloText is an independent educational service. We don't sell insurance, receive commissions from insurers, or promote specific companies. Our only goal is to help you understand insurance better so you can make informed choices.

We provide advice and guidance on all major insurance types: auto insurance, health insurance, home insurance, and life insurance. Our content covers everything from understanding deductibles to choosing coverage amounts and saving money on premiums.

Yes, HaloText is completely free. There are no hidden fees, premium tiers, or paywalls. We believe insurance education should be accessible to everyone. Standard text messaging rates from your mobile carrier may apply, but we never charge you for advice or access to our content.

We have no plans to charge for HaloText. Our mission is to provide free insurance education. If we ever introduce premium features in the future, the core Text tip service will always remain free.

No. We only need your phone number to send Text advice. We never ask for payment information because the service is free.

Message frequency varies based on relevant advice and updates. We respect your time and won't flood your phone—just helpful messages you can read in under a minute whenever they arrive. Typically, you can expect a few messages per week.

Messages are typically sent during daytime hours (9 AM - 7 PM in your local time zone) so they don't disturb you in the evening or early morning. We respect your schedule.

Currently, all subscribers receive a mix of advice covering auto, health, home, and life insurance. We're working on preference settings so you can customize which topics interest you most. This feature will be available in your account dashboard soon.

Most advice are 1-2 text messages in length (under 320 characters total) and take less than a minute to read. We keep them concise and actionable so you can quickly absorb the information.

No. We only send educational insurance advice. You won't receive promotional messages, advertisements, or offers from third parties. Our service is purely educational.

Yes! While we can't provide personalized insurance advice, you can reply with general questions and we'll do our best to point you to relevant resources. For specific insurance questions, we recommend contacting a licensed agent.

Never. Your privacy is our top priority. We don't share, sell, or rent your phone number or personal information to anyone. Period. Your data is used solely to send you insurance advice.

We collect only what's necessary to provide the service: your phone number and optionally your name/email if you create an account. We may also collect basic analytics (like whether you opened a message) to improve our content, but this data is never linked to your personal identity or shared with third parties.

Yes. We use industry-standard encryption and security practices to protect your information. Your phone number is stored securely and only accessible to authorized personnel who need it to deliver the service.

Absolutely. You have the right to request deletion of your personal information at any time. Simply contact us or text STOP to unsubscribe, and we'll remove your data from our system.

HaloText works with all major U.S. carriers including Verizon, AT&T, T-Mobile, Sprint, and most prepaid/regional carriers. If you can send and receive text messages, HaloText will work on your phone.

No. HaloText uses standard Text text messaging, not data. You don't need an internet connection to receive our advice—just the ability to receive text messages. Standard messaging rates from your carrier may apply based on your plan.

Currently, HaloText is only available for U.S. phone numbers. Our content is also specifically focused on U.S. insurance regulations and practices. We hope to expand internationally in the future.

You can unsubscribe at any time by replying STOP to any message from HaloText. You'll be immediately removed from our list and won't receive any more messages. No questions asked, no hassle. You can also manage your subscription in your account dashboard or by contacting us.

Yes! If you previously opted out and want to start receiving advice again, simply text START to our number or visit our sign-up page and re-enter your phone number.

Yes. Log in to your account dashboard and update your phone number in the settings. If you don't have an account login, contact us with your old and new phone numbers and we'll make the change for you.

No, you don't need an account to receive Text advice. However, creating a free account gives you access to additional features like managing your preferences, viewing past advice, accessing our full article library, and updating your contact information.

Yes! Text PAUSE to temporarily stop receiving messages without fully unsubscribing. When you're ready to resume, text RESUME. This is perfect if you're going on vacation or just need a break from messages for a while.