Privacy Policy
Effective Date: January 1, 2026
LifeBrite Insurance Group ("LifeBrite," "we," "us," or "our") is a DBA of JRF Financial LLC, a Michigan limited liability company and insurance agency licensed in AZ, FL, IN, KY, MI, MO, MS, NC, NJ, OH, PA, SC, TN, TX, UT, VA, WA. This policy explains what information we collect through lifebritegroup.com and our forms, how we use and share it, and the choices you have.
Information We Collect
- Information You Give Us through our quote, landing page, and contact forms: your name, phone number, email address, date of birth, state, the type and amount of coverage you're interested in, tobacco use, answers to health questions, and your preferred way to meet.
- Information Collected Automatically when you visit our site, such as your IP address, browser and device type, pages viewed, and referring website, through cookies and similar technologies.
Cookies and Analytics
We may use cookies and analytics or advertising tools to understand how visitors use our site and to measure our marketing. You can block or delete cookies in your browser settings; some site features may not work as intended if you do.
How We Use Your Information
- To prepare insurance quotes and help you apply for coverage.
- To contact you by phone, text message, and email about your request and about insurance products, including by calls and texts that may use automated technology or prerecorded messages when you have given consent.
- To operate, secure, and improve our website and services.
- To comply with legal, regulatory, and licensing requirements.
How We Share Your Information
We share your information only as needed to serve you, including with:
- Insurance carriers and their underwriters, to obtain quotes and process applications you choose to submit.
- Service providers who help us run our business (for example, email, website hosting, and customer-management tools), who may use it only to provide services to us.
- Government or regulatory authorities, or others, when required by law or to protect our rights.
We Do Not Sell Your Personal Information. We do not share your phone number or text-messaging consent with third parties for their own marketing purposes.
Nonpublic Personal Information (GLBA)
Some information you give us in connection with insurance, such as health and financial details, is "nonpublic personal information" under the federal Gramm-Leach-Bliley Act and state insurance privacy laws. We use and share it only as permitted by those laws, such as to process your request for coverage, and we do not disclose it to non-affiliated third parties for their own marketing.
Calls, Texts, and Your Consent (TCPA)
If you check the consent box on our forms, you agree that LifeBrite Insurance Group and its licensed agents may contact you at the number you provided, including with automated technology and prerecorded messages. Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent at any time by replying STOP to any text, telling us during a call, or emailing info@lifebritegroup.com.
Do Not Call
We maintain an internal Do Not Call list and honor requests not to be called. To be added, email info@lifebritegroup.com or tell any agent during a call.
Your Privacy Rights
Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, or to opt out of certain uses. To make a request, email info@lifebritegroup.com. We may need to verify your identity, and some information may need to be kept to meet legal or regulatory obligations. We will not discriminate against you for exercising your rights.
Data Security
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
Children
Our website is not intended for anyone under 18, and we do not knowingly collect personal information from children under 18.
How Long We Keep Information
We keep personal information only as long as needed for the purposes described here, including to meet legal, regulatory, and record-keeping requirements, and then delete or de-identify it.
Third-Party Links
Our site may link to other websites. We are not responsible for their privacy practices, and we encourage you to read their policies.
Changes to This Policy
We may update this policy from time to time. We'll post the new version here with a new effective date.
Contact Us
LifeBrite Insurance Group, a DBA of JRF Financial LLC
Email: info@lifebritegroup.com