Website Terms and Conditions

Terms of Use

The Terms of Use is an Agreement between you and JRC Insurance Group. By using this website, associated sites, hardware, software, or services through this website you agree to these Terms of Use in full. You also agree to provide true, accurate, current and complete information if requested by this website. If you do not agree with these Terms of Use in full, including the terms expressed in our Privacy Policy then you are not authorized to use any service of this website, and should not provide any information through this website.

Privacy Policy

JRC Insurance Group has adopted a Privacy Policy. You are encouraged to refer to the Privacy Policy by clicking on the Privacy Policy link before providing any information.

Age Restriction (18 Years Or Older)

You must be eighteen (18) years of age or older to use this website, and if you are under the age of 18, you are not permitted to provide any information through this website, for any purpose, including seeking insurance information or services. We are not responsible for monitoring or seeking verification of user qualification or age. Should JRC Insurance Group find a user is violating of these Terms of Use, JRC Insurance Group may immediately take action to discontinue further access to our website.

There are no warranties expressed or implied by this website. Materials found are provided solely for research and comparison purposes. neither recommends or endorses any insurance company. JRC Insurance Group assumes no liability for the accuracy of the information provided. Although every effort is taken to provide the highest quality material on there may be occasions times of technical difficulties or inaccuracy and all disclaimers apply.


JRC Insurance Group’s services are not available to residents of South Dakota. In California and New York licensed as JRC Life Insurance Services. In Florida, Idaho, New Mexico, Ohio, Texas, Washington, and Wyoming as JRC Insurance Group. In Massachusetts as JRC Insurance Group, Inc. In North Dakota as JRC Insurance Services, Inc. In Rhode Island, all invitations for applications will be submitted by Clifford J Pendell, Agent; Jason B. Dana, Agent; Justin R. Nelson, Agent; and/or Leroy R. Summerour, Agent.

In all other U.S. States, JRC Insurance Group is licensed as JRC Ins. Group. The following license numbers are listed in accordance with state laws/regulations:

CA License #0K09143, JRC Life Insurance Services

AR License #100140985, JRC Ins. Group

LA License #670590, JRC Ins. Group

MA License #1995641, JRC Insurance Group, Inc.

MN License #40455579, JRC Ins. Group

UT License #553593, JRC Ins. Group

Corporate Address:

JRC Life Insurance Services

3914 Murphy Canyon Rd Ste. A236

San Diego, CA 92123

Limitation of Liability

To the fullest extent permissible under applicable law, both JRC Insurance Group, assume no liability whatsoever for any damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this web site or the materials or services provided on this web site or the products or services received from this web site. Some exemptions of implied warranties may be prohibited in some jurisdictions. In such case, in no event shall JRC Insurance Group’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.

The responsibility to evaluate your needs for life insurance and the accuracy of the information we provide. JRC Insurance Group does not render any information contained as legal, professional, tax, or other advice. A tax or legal advisor may be necessary in evaluating your personal situation.

You agree that by providing your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. You agree by doing so that you consent and expect to be contacted by any and all such licensed insurance agents and regardless if you are registered on the federal do-not-call list and/or any applicable state do-not-call list. You consent and expect to be contacted by a licensed insurance agent via phone, email, text or direct mail. You may withdraw your consent to be contacted by notifying JRC Insurance Group at

Your Representation and Warranty

You agree to provide JRC Insurance Group, and to the best of your knowledge and ability that any and all information that you submit to this website is true and accurate.

JRC Insurance Group Restrictions On Use

You are allowed to use this site for purposes which are permitted by this website only and may not use this site for any other purpose, including any commercial purpose, without the express prior written consent of JRC Insurance Group. You are not permitted to display the JRC Insurance Group name, logo or trademark that appears on this website and agree to cooperate with JRC Insurance Group to cease any unauthorized co-branding, framing or hyper-linking immediately.

Any and all content on is the proprietary information of JRC Insurance Group which retains all rights, title, and interest. The content found in this site may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of JRC Insurance Group although you may print a copy of the content for your personal use only. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of JRC Insurance Group. Neither title nor intellectual property rights are transferred to you by access to this site.

This site may be linked to other third party sites which are not maintained by, or related to JRC Insurance Group. These links are provided solely as a service to users and are neither sponsored or affiliated with this site or JRC Insurance Group. JRC Insurance Group has not reviewed these third party sites and assumes no responsibility, endorsement, representation or warranties for the content which may be found on those sites. Users’ use of these links and third party-content contained therein do so at their own risk.


Your use of this site is at your own risk. This website and the materials in thus website are provided on an “As Is” basis without warranties of any kind, either express or implied. JRC Insurance Group disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantabilty, fitness for a particular purpose, title, and non-infringement. JRC Insurance Group does not represent or warrant that materials on this website are accurate, complete, reliable, current, or error-free. JRC Insurance Group does not represent or warrant that this website(s) or its server(s) are free of viruses or other harmful components. JRC Insurance Group does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this server or the server that makes it available are free of viruses or other harmful components. JRC Insurance Group does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and JRC Insurance Group may make changes or improvements at any time. you, and not JRC Insurance Group, assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this site or its content. JRC Insurance Group makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content. Reference to any products, services, processes, or other information, by trade name, trademark, agents, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by JRC Insurance Group. JRC Insurance Group does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

In no event shall JRC Insurance Group, its subsidiaries, affiliates, licencors, service providers, content providers, employees, agents, officers, and directors be liable for any incidental, direct, special, indirect, punitive, actual, consequential, or exemplary damages or any other damages or any kind, including but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (Including, but not limited to, negligence), or otherwise, arising out of or in any way connected with the use of this website or the materials contained on, or accessed through, this website.

Passwords and Security

Any passwords used for this site are for solely to be used individual use only. You will be responsible for the security of your password (if any). JRC Insurance Group will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that is considered insecure by JRC Insurance Group then JRC Insurance Group will be entitled to request you change the password and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, JRC Insurance Group reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. JRC Insurance Group reserves the right to investigate suspected violations of these Terms and Conditions of Use.

JRC Insurance Group reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing JRC Insurance Group to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use.

By accepting this agreement you waive and hold harmless JRC Insurance Group from any claims resulting from any action taken by JRC Insurance Group During or as a result of its investigations and/or from any actions taken as a consequence of investigations by either JRC Insurance Group or Law Enforcement Authorities.

Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its choice of law principles to the contrary. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of California, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Notice.


Notwithstanding any of these terms and conditions, JRC Insurance Group reserves the right, without notice and at its sole discretion to terminate your use of this website, and block or prevent future access or use of this website. If you have any questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.

Contact Us

If you have any questions regarding this document, our procedures and policies, this site, or your relationship with us, please contact us at 855-247-9555 or email us at