Effective Date: August 4, 2026
Welcome to Life Insured By Chris (the "Service"), operated by Life Insured By Chris ("Company," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website, landing pages, forms, communications, and related services.
By accessing or using the Service, submitting your information, or interacting with our advertisements, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of this agreement, please do not use the Service.
Life Insured By Chris is an independent insurance brokerage and lead generation platform. We are not an insurance company, and we do not issue, underwrite, or guarantee policies. Instead, we connect consumers with licensed insurance agents and third-party carriers, and all products are offered by third-party insurers subject to underwriting approval.
This website is a solicitation for insurance. By submitting your information, you may be contacted by one or more licensed insurance agents regarding insurance products. Our company license/registration number is NPN 18938042. A list of the states in which we are licensed to solicit insurance is available at nipr.com/licensing-center or upon request.
The Service is intended for users who are at least 18 years old and reside in the United States. By using the Service, you represent and warrant that you meet these requirements and that the information you provide is accurate and complete.
If you are located outside the United States including the EEA, UK, or Switzerland — Section 21 (International Users) describes additional rights that apply to you.
By submitting your information through our Service, forms, or advertisements, you expressly consent to be contacted by Life Insured By Chris, licensed insurance agents, and insurance carriers and partners by phone (including autodialed or prerecorded calls), SMS/text message, or email. This applies even if your number is on a Do Not Call registry. Because your information may be shared with multiple licensed agents and/or carriers, you may hear from more than one company as a result of a single submission.
We do not authorize, encourage, or knowingly engage in marketing practices that violate applicable telemarketing laws, and we work to obtain any legally required consent before contacting you by phone or text. We aim to comply with all applicable federal and state laws governing calls, texts, and marketing communications, including the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, federal and state Do Not Call rules, state telemarketing and texting laws, and the CAN-SPAM Act.
We may contact you using manual calls, manually sent texts, or automated technologies where permitted by law and where appropriate consent has been obtained, and we keep records of consumer consent, communication preferences, and opt-out requests for compliance purposes.
Consent is never a condition of purchase. Message and data rates may apply, and message frequency varies.
You may revoke your consent at any time by:
We maintain an internal Do Not Call list, and requests to stop receiving marketing calls or texts remain in effect until you tell us otherwise or the law provides differently. We process opt-out requests within the timeframe required by applicable law, generally 30 days.
By using the Service, you consent to receive agreements, disclosures, and notices electronically, in compliance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). You agree that electronic records satisfy any legal requirement that such communications be in writing, and that you're able to access and retain them.
To the extent applicable, we operate consistent with the Gramm-Leach-Bliley Act. Any nonpublic personal financial information you provide is used to facilitate insurance quotes and applications, may be shared with carriers, agents, and service providers, and is handled in accordance with our Privacy Policy.
Where required by the GLBA Privacy Rule, you have the right to opt out of having your nonpublic personal information shared with nonaffiliated third parties; email christopher.franklin@lifeinsuredbychris.com with "GLBA Opt-Out." We provide an annual privacy notice describing our information-sharing practices, available at lifeinsuredbychris.com/privacy or upon request.
Quotes provided through the Service are estimates only. Coverage is never guaranteed, and approval depends on underwriting by the carrier. We do not guarantee policy issuance, pricing, or eligibility.
We may share your information with insurance carriers, licensed agents, and marketing partners. By requesting information, you acknowledge that your information may be shared with one or more licensed insurance providers or carriers for the purpose of providing the quotes and services you requested. We are not responsible for the services, privacy practices, or decisions of these third parties.
We may share personal information with marketing and advertising partners, which under laws like the California Consumer Privacy Act (as amended by the CPRA) may be considered "selling" or "sharing" your information. You have the right to opt out by emailing christopher.franklin@lifeinsuredbychris.com with the subject "Do Not Sell My Info," or by using the "Do Not Sell or Share My Personal Information" link on our website. We also honor Global Privacy Control (GPC) signals where required.
California residents may also limit our use of sensitive personal information (such as precise geolocation, if collected) to what's necessary to provide the Service, by submitting a request via email. We may need to verify your identity before processing access, deletion, or correction requests, using the information already on file; requests may also be submitted by an authorized agent with signed permission. We will never deny you goods or services, charge you a different price, or provide a different level of service because you exercised a privacy right. A toll-free number for privacy requests is not currently available in addition to the methods above.
We use third-party tools, such as Meta and Google, to track user activity, deliver targeted ads, and measure performance. These tools may collect device identifiers, website behavior, and your interaction with our ads.
All content, trademarks, service marks, trade names, logos, and intellectual property displayed on the Service are the property of Life Insured By Chris or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, commercially exploit, or create derivative works from any content on the Service without our express written permission.
You agree to use the Service only for lawful purposes and in a way that doesn't infringe the rights of others. You agree not to:
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, RELIABILITY, OR AVAILABILITY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
TO THE FULLEST EXTENT PERMITTED BY LAW, LIFE INSURED BY CHRIS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS OR DATA — ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE SERVICE.
You agree to indemnify and hold Life Insured By Chris harmless from any claims arising out of your use of the Service or your violation of these Terms.
Before filing a claim, you agree to first attempt to resolve any dispute informally by contacting us. If that doesn't resolve things, disputes will be settled through binding arbitration rather than in court, on an individual basis — class actions are not permitted.
Where applicable state law prohibits or limits mandatory arbitration or class-action waivers for insurance-related consumer disputes, this section applies only to the extent permitted by that state's law, and any offending provision will be removed without affecting the rest of these Terms.
These Terms are governed by the laws of the District of Columbia, without regard to conflict-of-law principles, except where superseded by the state-specific disclosures in Section 17 for the state in which you reside.
California: Residents have rights under the CCPA/CPRA, including access, deletion, correction, and the right to opt out of sale/sharing of personal information. We do not knowingly sell the data of minors under 16.
Florida & Texas: Insurance products are subject to carrier underwriting approval. In Texas, insurance is additionally regulated by the Texas Department of Insurance. We are not responsible for underwriting decisions.
Georgia, North Carolina, South Carolina & Tennessee: Insurance is offered through licensed agents only. Availability and rates vary by state and applicant.
Illinois, Ohio, Missouri, Kansas & Mississippi: Coverage availability and eligibility are determined by insurers. Quotes are not a guarantee of coverage.
Maryland & Washington, DC: Insurance products are subject to state-specific regulations, and licensed agents will provide any required disclosures.
Utah & Nevada: Insurance products may not be available in all areas, and terms vary by carrier and underwriting outcome.
New York: 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: The Service is intended for lead generation only in states 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.
We may suspend or terminate your access to the Service at any time and without notice, for any reason, including if you breach these Terms.
We may update these Terms at any time. Continued use of the Service after changes take effect constitutes your acceptance of the revised Terms. If you do not agree with the new terms, please stop using the Service.
The Service is not directed to, and we do not knowingly collect personal information from, individuals under the age of 18. If we learn we've 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.
This section applies only if you are located in the European Economic Area, the United Kingdom, or Switzerland ("EEA/UK Users"). The Service is designed for U.S. residents, but if you are an EEA/UK User submitting personal data, the following applies:
To exercise any of these rights, contact christopher.franklin@lifeinsuredbychris.com.
We're committed to making the Service accessible to individuals with disabilities and aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you have difficulty accessing any part of the Service, please contact us at christopher.franklin@lifeinsuredbychris.com so we can help.
If you have any questions about these Terms, please contact us at:
Life Insured By Chris; Email: christopher.franklin@lifeinsuredbychris.com; Phone: (202) 641-5953; Address: 1908 Spruce Drive NW, Washington, DC 20012; Website: lifeinsuredbychris.com
