Terms of Service

Life Insured By Chris — Terms of Use


Effective Date: July 9, 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
  • This website is a solicitation for insurance. Submitting your information may result in contact by one or more licensed insurance agents regarding insurance products.
  • Company license/registration: NPN 18938042. A list of states in which we are licensed to solicit insurance is available at https://nipr.com/licensing-center or upon request.

3. Eligibility

You represent that:

  • You are at least 18 years old
  • You reside in the United States
  • You provide accurate and complete information
  • If you are located outside the United States (including the EEA, UK, or Switzerland), see Section 22 (International Users) for additional rights that apply to you.

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.

Because your information may be provided to multiple licensed agents and/or carriers, you may receive contact from more than one company as a result of a single submission.

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
  • Phone: Ask any calling agent to add you to our internal do-not-call list, or email christopher.franklin@lifeinsuredbychris.com with “Do Not Call.” Requests are processed within the timeframe required by applicable law (generally 30 days).

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
  • You have the right to opt out of having your nonpublic personal information shared with nonaffiliated third parties where required by the GLBA Privacy Rule. To opt out, email christopher.franklin@lifeinsuredbychris.com with “GLBA Opt-Out.”
  • We provide an annual privacy notice describing our information-sharing practices, available at https://www.lifeinsuredbychris.com/privacy or upon request.

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 / Limit Sensitive Information (CCPA/CPRA Notice)

We may share personal information with marketing and advertising partners.

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

You have the right to opt out.

To Opt Out:

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

  • Right to Limit Sensitive Personal Information: California residents may limit our use of sensitive personal information (e.g., precise geolocation, if collected) to purposes necessary to provide the Service. Submit requests by email.
  • Verifiable Consumer Requests: We may need to verify your identity before processing access, deletion, or correction requests, using information already on file. Requests may also be submitted by an authorized agent with signed permission.
  • Non-Discrimination: We will not deny goods or services, charge different prices, or provide a different level of service because you exercised a CCPA/CPRA right.
  • A toll-free number for submitting privacy requests is not currently available, in addition to the methods above.

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

Where applicable state law prohibits or limits mandatory arbitration or class-action waivers for insurance-related consumer disputes, this Section 16 applies only to the extent permitted by that state's law, and the offending provision will be severed rather than invalidating the remainder of these Terms.

17. Governing Law

These Terms are governed by the laws of District of Columbia, without regard to conflict-of-law principles, except where superseded by the state-specific insurance disclosures in Section 18 for the state in which you reside.

18. State-Specific Disclosures

California (CA)

  • Residents have rights under the CCPA/CPRA, including access, deletion, correction, 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
  • New York (NY): Producers and the Company will comply with NY DFS Regulation 187 suitability and best-interest requirements where applicable to any life insurance transaction.
  • All States: This Service is intended for lead generation only where the Company and/or referring agents hold active licensure. If you reside in a state where we are not currently licensed, your information will not be used to solicit insurance until proper licensure is confirmed.

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: christopher.franklin@lifeinsuredbychris.com

Phone: (202) 641-5953

Website: https://www.lifeinsuredbychris.com

22. International Users (GDPR) 

This Section applies only if you are located in the European Economic Area, the United Kingdom, or Switzerland (“EEA/UK Users”) and access the Service. The Service is designed for U.S. residents; if you are an EEA/UK User, the following applies to any personal data you submit:

  • Data Controller: Life Insured By Chris, 1908 Spruce Drive NW, Washington, D.C. 20012, contactable at christopher.franklin@lifeinsuredbychris.com.
  • Legal Basis for Processing: We process your data based on (a) your consent, (b) our legitimate interest in operating a lead-generation and marketing service, and/or (c) steps necessary to respond to your request for a quote.
  • Your Rights: You have the right to access, correct, delete, or restrict processing of your personal data; to receive a portable copy of your data; and to object to processing based on legitimate interest or direct marketing.
  • International Transfers: Where your data is transferred to the United States, we rely on appropriate safeguards such as Standard Contractual Clauses or your explicit consent.
  • Retention: We retain personal data only as long as necessary for the purposes described in these Terms and our Privacy Policy, or as required by law.
  • Complaints: You have the right to lodge a complaint with your local data protection supervisory authority.
  • To exercise any of these rights, contact christopher.franklin@lifeinsuredbychris.com.

23. Children's Privacy (COPPA)

The Service is not directed to, and we do not knowingly collect personal information from, individuals under the age of 18. If we learn that we have collected information from a minor, we will delete it promptly. Parents or guardians who believe their child has submitted information may contact us at christopher.franklin@lifeinsuredbychris.com.

24. Accessibility Statement

We are committed to ensuring the Service is accessible to individuals with disabilities and aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you experience difficulty accessing any part of the Service, please contact us at christopher.franklin@lifeinsuredbychris.com so we can assist you and address the issue.