Terms of Service

Life Insured By Chris Terms of Use

Effective Date: January 1, 2026

1. Agreement to Terms

These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you,” “your”) and Life Insured By Chris (“Company,” “we,” “us,” or “our”) governing your access to and use of our website, landing pages, forms, communications, and related services (collectively, the “Service”).

By accessing or using the Service, submitting your information, or interacting with our advertisements, you agree to these Terms and our Privacy Policy.

If you do not agree, do not use the Service.

2. Nature of Services (Independent Brokerage Disclosure)

Life Insured By Chris is an independent insurance brokerage and lead generation platform.

  • We are not an insurance company
  • We do not issue, underwrite, or guarantee policies
  • We connect consumers with licensed insurance agents and third-party carriers
  • All products are offered by third-party insurers subject to underwriting approval

3. Eligibility

You represent that:

  • You are at least 18 years old
  • You reside in the United States
  • You provide accurate and complete information

4. Consent to Contact (TCPA, SMS, Email, Autodialing)

By submitting your information through our Service, forms, or advertisements, you expressly consent to be contacted by:

  • Life Insured By Chris
  • Licensed insurance agents
  • Insurance carriers and partners

Via:

  • Phone calls (including autodialed/prerecorded calls)
  • SMS/text messages
  • Email communications

This applies even if your number is on a Do Not Call registry.

Key Disclosures:

  • Consent is not a condition of purchase
  • Message and data rates may apply
  • Message frequency varies

Opt-Out Instructions:

  • SMS: Reply STOP
  • Email: Click unsubscribe

5. Electronic Communications & E-Sign Consent

By using the Service, you consent to receive:

  • Agreements
  • Disclosures
  • Notices

electronically in compliance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

You agree that:

  • Electronic records satisfy legal requirements
  • You can access and retain electronic communications

6. Financial Information & GLBA Disclosure

To the extent applicable, we operate in a manner consistent with the Gramm-Leach-Bliley Act (GLBA).

Any nonpublic personal financial information you provide:

  • Is used to facilitate insurance quotes and applications
  • May be shared with carriers, agents, and service providers
  • Is handled in accordance with our Privacy Policy

7. Quotes, Coverage & No Guarantees

  • Quotes are estimates only
  • Coverage is not guaranteed
  • Approval depends on underwriting

We do not guarantee:

  • Policy issuance
  • Pricing
  • Eligibility

8. Third-Party Relationships

We may share your information with:

  • Insurance carriers
  • Licensed agents
  • Marketing partners

We are not responsible for third-party:

  • Services
  • Privacy practices
  • Decisions

9. Do Not Sell or Share My Personal Information (CCPA Notice)

We may share personal information with marketing and advertising partners.

Under certain laws (such as the California Consumer Privacy Act), this may be considered “selling” or “sharing.”

You have the right to opt out.

To Opt Out:

  • Email: ccfranklin2727@gmail.com with subject “Do Not Sell My Info”
  • Or use the website link: “Do Not Sell or Share My Personal Information”

We also honor Global Privacy Control (GPC) signals where required.

10. Advertising & Tracking Disclosure

We use third-party tools (e.g., Meta, Google) to:

  • Track user activity
  • Deliver targeted ads
  • Measure performance

These tools may collect:

  • Device identifiers
  • Website behavior
  • Interaction with ads

11. Intellectual Property

All content is owned by Life Insured By Chris.

You may not:

  • Copy
  • Reproduce
  • Distribute
  • Commercially exploit

without permission.

12. Prohibited Conduct

You agree not to:

  • Submit false information
  • Use bots or scraping tools
  • Attempt unauthorized access
  • Violate any laws

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS.”

We disclaim all warranties, including:

  • Accuracy
  • Reliability
  • Availability

14. Limitation of Liability

We are not liable for:

  • Indirect or consequential damages
  • Loss of profits or data

15. Indemnification

You agree to indemnify Life Insured By Chris from claims arising from:

  • Your use of the Service
  • Your violation of these Terms

16. Arbitration & Dispute Resolution

Informal Resolution First

You agree to attempt informal resolution before filing a claim.

Binding Arbitration

All disputes will be resolved by binding arbitration, not court.

  • No class actions
  • Individual claims only

17. Governing Law

These Terms are governed by the laws of District of Columbia.

18. State-Specific Disclosures

California (CA)

  • Residents have rights under the CCPA/CPRA, including access, deletion, and opt-out of sale/sharing
  • We do not knowingly sell data of minors under 16

Florida (FL)

  • Insurance products are subject to approval by licensed carriers
  • We are not responsible for underwriting decisions

Texas (TX)

  • Insurance products are regulated by the Texas Department of Insurance
  • Policy approval is subject to carrier underwriting

Georgia (GA), North Carolina (NC), South Carolina (SC), Tennessee (TN)

  • Insurance is offered through licensed agents only
  • Availability and rates vary by state and applicant

Illinois (IL), Ohio (OH), Missouri (MO), Kansas (KS), Mississippi (MS)

  • Coverage availability and eligibility are determined by insurers
  • Quotes are not guarantees of coverage

Maryland (MD) & Washington, DC (DC)

  • Insurance products are subject to state-specific regulations
  • Licensed agents will provide required disclosures

Utah (UT) & Nevada (NV)

  • Insurance products may not be available in all areas
  • Terms vary by carrier and underwriting

19. Termination

We may suspend or terminate access at any time without notice.

20. Changes to Terms

We may update these Terms at any time. Continued use constitutes acceptance.

21. Contact Information

Life Insured By Chris
Email: ccfranklin2727@gmail.com
Phone: (202) 641-5953
Website: https://www.lifeinsuredbychris.com