Plain-language disclosures that apply across this site. These accompany the more specific notices shown next to the relevant content.
Note: This is placeholder content — replace with reviewed legal copy before launch.
JRF GROUP is an independent insurance agency and is not the insurance company that issues policies unless otherwise stated. Insurance products are issued by third-party insurance carriers. Product availability, features, underwriting requirements, and eligibility vary by state and applicant.
JRF GROUP is business-licensed in: AL, AR, FL, GA, IL, KY, MA, MD, MI, MO, NC, NM, OH, OR, PA, TN, TX, VA, WA, WI. This site is not an offer of insurance in any state where JRF GROUP is not licensed.
Carrier availability, products, underwriting requirements, and eligibility vary by state and applicant. JRF GROUP is an independent insurance agency and is not the issuing insurance company unless otherwise stated. Logos are the property of their respective owners; their display does not imply endorsement of JRF GROUP.
Mortgage protection insurance is life insurance. The death benefit is paid to the beneficiary, who can generally use the proceeds as needed according to the policy terms. JRF GROUP is not your mortgage lender, mortgage servicer, a government agency, or your existing insurance provider, and has no relationship with your lender.
Indexed universal life insurance is not an investment in the market. Cash-value accumulation potential is tied in part to a market index and is subject to caps, participation rates, fees, and other policy provisions. Values are not guaranteed unless specifically provided by the policy.
This tool provides a general educational estimate only. It is not financial, insurance, tax, or underwriting advice, and it does not determine eligibility, approval, or a premium. Actual coverage, availability, and pricing are determined by the issuing carrier through its underwriting process.
Affiliated Business Arrangement Disclosure: JRF GROUP has a business relationship with MJ Financial through common ownership. Because of this relationship, a referral to MJ Financial may provide JRF GROUP, MJ Financial, or their owners a financial or other benefit. You are NOT required to use MJ Financial as a condition of purchasing insurance from JRF GROUP or for any other service. THERE ARE OTHER MORTGAGE PROVIDERS AVAILABLE, and you are free to shop for the services that best meet your needs. Mortgage and loan services are provided by MJ Financial, not by JRF GROUP; JRF GROUP is not a mortgage lender or broker and does not make credit decisions. Loan approval, terms, rates, and eligibility are determined solely by MJ Financial. Equal Housing Lender.
By submitting, you agree that a licensed insurance professional from JRF GROUP or its partners may contact you at the phone number and email provided — including by phone call, text message (SMS), and automated technology — about insurance products, even if your number is on a Do Not Call list. Consent is not a condition of purchase. Message and data rates may apply. You can opt out at any time.
This consent language is a template that must be reviewed and approved by compliance/legal before use in production.
JRF GROUP does not approve or pay insurance claims. Claims are handled by the issuing insurance carrier. We can help direct you to the appropriate carrier and claims process.
