Terms Of Service
Important information about using this privately owned insurance information website.
Effective Date: August 2, 2026
Please read these Terms of Service carefully before using brightlifeics.com. By accessing or using this Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Nature Of The Site
brightlifeics.com is a privately owned website operated by Bright Life Insurance Consultants. It is not affiliated with, endorsed by, or operated by the United States Government, any state government, Medicare, Medicaid, or any other federal or state program. References to Medicare Insurance, Prescription Drug Coverage, Life Insurance, Dental, Vision, Hearing, or Final Expense refer to private insurance products or services, not government benefits or entitlements.
2. Information, Guidance, and Coverage
The information on this Site is for general educational and informational purposes. It is not a binding insurance contract, a guarantee of coverage, or a commitment to provide insurance at a particular price. Bright Life may discuss available options and help you apply or enroll when appropriate, but coverage, premiums, eligibility, and availability are determined by the applicable insurance carrier, underwriting, state availability, and law. Not all applicants will qualify for all plans.
3. Use Of The Site
You must be at least 18 years old and use this Site only for lawful purposes. You agree not to interfere with Site operation, attempt unauthorized access, submit false or misleading information, use automated tools to collect Site data without written permission, or violate applicable law.
4. Requests and Communications
When you request information, you understand that Bright Life may contact you by phone, email, or text about your inquiry, appointment, or insurance options. You are not required to purchase a product or service as a result of requesting information, and you may ask to stop communications at any time.
5. SMS and Text Messages
If you opt in to SMS communications, message frequency varies and message and data rates may apply. Reply STOP to unsubscribe at any time or HELP for assistance. Consent to receive text messages is not a condition of purchasing any product or service.
6. Intellectual Property
The Site’s text, graphics, logos, images, and other content are owned by or licensed to Bright Life Insurance Consultants and are protected by applicable law. You may not reproduce, distribute, modify, or create derivative works from Site content without written permission.
7. Disclaimer Of Warranties
The Site and its content are provided as is and as available, without warranties of any kind. Bright Life does not warrant that the Site will be uninterrupted, error-free, or free of harmful components.
8. Limitation Of Liability
To the fullest extent permitted by law, Bright Life Insurance Consultants and its agents will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site.
9. Third-Party Links
The Site may link to third-party websites, including carrier and government information resources. Those links are provided for convenience. Bright Life does not control those sites and is not responsible for their content, privacy practices, or availability.
10. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
11. Changes To These Terms
Bright Life may update these Terms from time to time. Updates will be posted on this page with a revised effective date. Continued use of the Site after an update means you accept the revised Terms.
12. Contact
Questions about these Terms may be sent to david.dj@brightlifeics.com or (352) 212-8411.
Important Disclosure: brightlifeics.com and Bright Life Insurance Consultants are privately owned and are not affiliated with or endorsed by the United States Government, any state government, or any federal program. This is not a government-operated site.
Insurance plans presented on this site are offered by licensed insurance agents. Plan pricing, availability, and benefits vary by state, age, health status, and individual circumstances. Not all applicants will qualify for all plans.
By using this site, you consent to the collection and use of your information in accordance with our Privacy Policy. Your data may be shared with licensed insurance agents and insurance carriers for the purpose of providing quotes and plan recommendations.