---
title: "Health Data in Life Quoting: How unLocked Handles PHI"
description: "Life quoting now touches real health information — conditions, medications, build. Here is how that data is handled, and why it follows the same pattern as our Medicare and ACA quoting."
url: https://unlockedcrm.ai/blog/life-quoting-phi-handling
canonical: https://unlockedcrm.ai/blog/life-quoting-phi-handling
category: "Compliance"
published: 2026-10-13
updated: 2026-10-13
last_updated: 2026-10-13
author: "unLocked Team"
publisher: unLocked CRM
source_url: https://unlockedcrm.ai/blog/life-quoting-phi-handling
summary: "unLocked CRM's life quoter imports contact health profiles — conditions, surgeries, medications, height, weight, tobacco use — and handles that data under the same PHI pattern as the platform's Medica…"
license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/life-quoting-phi-handling
source: unLocked CRM — AI CRM for insurance agents
---

# Health Data in Life Quoting: How unLocked Handles PHI

## TL;DR

unLocked CRM's life quoter imports contact health profiles — conditions, surgeries, medications, height, weight, tobacco use — and handles that data under the same PHI pattern as the platform's Medicare and ACA quoting. Overrides stay on the quote, contact records are never modified by the quoter, and health data clears when contacts are switched.

## Key data points

- unLocked CRM handles health data in its life quoter under the same PHI handling pattern as its Medicare and ACA quoting.
- Health profile overrides in unLocked's life quoter affect only the quote and never modify the contact record.

The moment a quoter reads health conditions and medications, it stops being a simple rating tool. It is handling protected health information, and it has to behave like it.

**The life quoter's health profile import follows the same PHI handling pattern as our Medicare and ACA quoting — the parts of unLocked that have handled sensitive health data from day one.**

## What the quoter touches

- Health conditions and surgical history
- Current medications
- Height, weight, and tobacco use

That is real PHI, and it is treated that way.

## The handling rules

- **The record is the source of truth.** The quoter reads from the contact; it never writes back. Overrides live on the quote only
- **No cross-contamination.** Switching contacts clears the previous health data before the new profile loads
- **Same pattern as Medicare and ACA.** The health-data handling proven in our Medicare and ACA quoting applies here

## Why agents should care

Your clients trust you with information they would not hand a stranger. A quoting workflow that respects that data — and keeps it accurate, contained, and correctly attributed — is not a nice-to-have. It is the job.

The life quoter with health profile import is included on every unLocked CRM plan.

## FAQ

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## Related

- https://unlockedcrm.ai/blog/life-quoter-health-profile-import
- https://unlockedcrm.ai/blog/life-quote-health-class-accuracy
- https://unlockedcrm.ai/blog/life-quoter-carrier-suitability-filtering
- https://unlockedcrm.ai/blog/life-quote-health-data-overrides

---

Source: [Health Data in Life Quoting: How unLocked Handles PHI](https://unlockedcrm.ai/blog/life-quoting-phi-handling) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/life-quoting-phi-handling.