InsurVibes
Full Disclaimer
This disclaimer governs your use of InsurVibes.com and all content, tools, and features provided by InsurVibes. Please read it carefully. By using this website, you acknowledge and agree to the terms described below.
InsurVibes is an educational marketing platform only. InsurVibes LLC ("InsurVibes," "we," "us," or "our") does not sell, solicit, negotiate, or otherwise transact insurance products of any kind. InsurVibes is not a licensed insurance producer, agency, broker, or advisor under the laws of Michigan or any other state.
Nothing on this website — including articles, guides, glossary entries, quiz results, AI chatbot responses, cost estimates, or any other content — constitutes insurance advice, a solicitation to purchase insurance, or a recommendation of any specific policy, carrier, or coverage amount. This disclaimer applies to all content on this website regardless of format or delivery method.
InsurVibes is an educational platform
InsurVibes exists to provide general educational information about insurance products and concepts to Millennials, Gen Z, and other members of the public who seek to understand insurance. Our content is designed to improve insurance literacy — not to facilitate insurance transactions.
The content on InsurVibes.com includes:
- Plain-English explanations of insurance terminology and concepts
- General educational guides about life, commercial, and retirement-related insurance products
- Interactive tools including a needs quiz and cost estimator, provided for illustrative educational purposes only
- An AI-powered assistant ("Vibe") that answers general insurance questions in plain English
- Blog articles and glossary entries about insurance topics
- An optional lead referral service connecting users who explicitly request it with independent licensed insurance agents
All content is provided for informational purposes only. InsurVibes does not provide personalized insurance advice tailored to any individual's specific circumstances.
InsurVibes is not a licensed insurance producer
InsurVibes LLC is not licensed as an insurance producer, agency, broker, surplus lines broker, reinsurance intermediary, or any other type of licensed insurance professional under the laws of the State of Michigan or any other jurisdiction.
InsurVibes does not:
- Sell insurance products
- Solicit insurance purchases on behalf of any insurer or policyholder
- Negotiate the terms, conditions, or benefits of any insurance contract
- Bind insurance coverage
- Process insurance applications
- Collect insurance premiums
- Adjust or settle insurance claims
- Represent or act as agent for any insurance carrier
Any activities that require an insurance producer license under Michigan law — including MCL 500.1201 et seq. — are performed exclusively by the independent licensed insurance professionals who users may optionally be connected with through InsurVibes' referral service, and not by InsurVibes itself.
Michigan Insurance Code compliance
InsurVibes operates in compliance with the Michigan Insurance Code, 1956 PA 218, as amended, and the regulations promulgated thereunder by the Michigan Department of Insurance and Financial Services ("DIFS").
InsurVibes has designed its platform, content, activities, and compensation arrangements to fall within the activities that do not require an insurance producer license under Michigan law, including but not limited to:
- Dispensing general insurance information and educational content
- Providing the name and contact information of licensed insurance producers to interested users upon request
- Providing the name, contact information, and message from a prospective policyholder to a licensed insurance producer
- Receiving flat referral fees not contingent on any insurance purchase or application
Users who have questions about the regulatory status of InsurVibes' activities may contact the Michigan Department of Insurance and Financial Services (DIFS) at 877-999-6442 or visit michigan.gov/difs.
No solicitation, no recommendations
InsurVibes expressly does not solicit the purchase of insurance. No content on this website, and no communication from InsurVibes (including through its AI assistant, email communications, or any other channel), constitutes or should be construed as:
- An attempt to sell insurance or urge any person to apply for insurance from any company
- A recommendation to purchase any specific insurance product, policy type, coverage level, or carrier
- An endorsement of any insurance company, product, or agent
- A guarantee that any particular type or amount of coverage is appropriate for any individual
- A representation that any information provided constitutes a coverage offer or binding quotation
Any cost estimates, premium ranges, or coverage illustrations provided on InsurVibes — including through the needs quiz, cost estimator tool, or AI assistant — are general educational approximations only. They are not insurance quotes, coverage offers, or actuarial determinations. Actual premiums and coverage availability depend on individual health status, lifestyle, claims history, underwriting criteria, state of residence, chosen carrier, and specific policy terms — all of which must be evaluated by a licensed insurance professional.
Independence of referred agents
When users explicitly request to be connected with an insurance professional through InsurVibes' contact form or AI assistant, InsurVibes may facilitate an introduction to an independent licensed insurance agent or agency.
Users should understand the following about referred agents:
- Independent professionals. Agents connected through InsurVibes are independent licensed insurance professionals. They are not employees, agents, representatives, affiliates, or partners of InsurVibes in any agency, employment, or fiduciary capacity.
- Independent licensing. Referred agents hold their own active insurance producer licenses issued by the applicable state insurance department. InsurVibes does not supervise, control, or direct the professional activities of referred agents.
- Independent advice. Any advice, recommendations, quotations, or representations made by a referred agent are made solely by that agent in their independent professional capacity — not by InsurVibes.
- No carrier affiliation. InsurVibes is not affiliated with any insurance carrier. Agent connections are made based on the user's stated coverage interests and the agent's area of expertise — not based on carrier relationships or sales targets.
- User discretion. Users are free to accept or decline any introduction, to work with or not work with any referred agent, and to seek additional professional opinions before making any coverage decisions.
InsurVibes makes no representation or warranty regarding the quality, completeness, accuracy, or appropriateness of any advice or services provided by referred agents. InsurVibes is not responsible for any actions, omissions, or outcomes resulting from a user's interaction with a referred agent.
Referral fee disclosure
In the interest of full transparency, InsurVibes discloses the following regarding its business model and compensation structure:
InsurVibes may receive a flat referral fee from licensed insurance agents or agencies when InsurVibes facilitates an introduction between a user and that agent. This fee is paid for the referral itself — the educational introduction — and is not contingent upon whether the referred user applies for insurance, purchases a policy, or engages in any other transaction.
This compensation structure is designed in compliance with MCL 500.1207(3) of the Michigan Insurance Code, which permits referral fees that are not contingent on insurance applications or purchases.
The existence of a referral fee arrangement does not affect:
- The user's freedom to accept or decline any introduction to an agent
- The user's freedom to work with any agent of their choosing, including agents not referred by InsurVibes
- The independence of referred agents' professional advice and recommendations
- The educational nature and accuracy of InsurVibes' content
InsurVibes does not receive any portion of insurance premiums, commissions, or fees generated by transactions between users and referred agents. InsurVibes' compensation is entirely independent of whether any user purchases insurance.
AI assistant limitations
InsurVibes operates an AI-powered chat assistant named "Vibe" on its website, powered by a large language model. Users should understand the following limitations and constraints:
- Educational only. Vibe is designed to provide general insurance education in plain English. It is not a licensed insurance professional and its responses do not constitute insurance advice, solicitation, negotiation, or recommendation of any kind.
- No specific recommendations. Vibe is programmed not to recommend specific policies, carriers, coverage amounts, or purchasing decisions. Any response that appears to do so should not be relied upon as professional guidance.
- Not infallible. AI assistants can make errors, misstate facts, or provide information that is incomplete, outdated, or inapplicable to a particular user's circumstances. Users should verify any important information with a licensed professional.
- No professional relationship. Interacting with Vibe does not create an insurance advisory, agency, or professional relationship between the user and InsurVibes or any insurance carrier.
- Lead capture disclosure. If a user explicitly requests to be connected with a licensed agent through their conversation with Vibe, Vibe may collect contact information for that purpose. This is an explicit user-initiated request and does not constitute solicitation by InsurVibes.
Content accuracy and currency
InsurVibes makes reasonable efforts to ensure that content on its website is accurate, current, and consistent with applicable law as of the date of publication. However, InsurVibes makes no warranties, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information on the website.
Users should be aware that:
- Insurance laws, regulations, product features, and market conditions change frequently. Content that was accurate at time of publication may become outdated.
- Insurance products and their features vary significantly by state, carrier, and individual circumstances. General information on this website may not apply to every user's situation.
- Michigan-specific content reflects Michigan insurance law and regulations. Users in other states should consult professionals licensed in their state.
- Statistical information, cost estimates, and market data cited on this website are drawn from publicly available sources and are provided for illustrative purposes only.
InsurVibes does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. Use of any information obtained from this website is at the user's own risk.
No professional advice of any kind
In addition to not providing insurance advice, InsurVibes does not provide:
Limitation of liability
To the fullest extent permitted by applicable law, InsurVibes LLC, its officers, directors, employees, contractors, affiliates, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
- Your use of or reliance on any content, information, tools, or features on InsurVibes.com
- Any decision to purchase, not purchase, modify, or cancel any insurance product based in whole or in part on information obtained from InsurVibes
- Any interaction with, or advice received from, an independent licensed agent referred through InsurVibes
- Any errors, inaccuracies, omissions, or outdated information in InsurVibes content
- Any responses generated by the InsurVibes AI assistant
- Any interruption, suspension, or termination of the InsurVibes website or services
- Unauthorized access to or alteration of your data or communications
Where liability cannot be excluded by law, InsurVibes' total aggregate liability to any user shall not exceed the greater of (a) any amounts paid by the user to InsurVibes for specific services, or (b) one hundred dollars ($100.00 USD).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.
External links and third-party content
InsurVibes may contain links to external websites, third-party resources, or references to insurance carriers, regulatory bodies, or other organizations. These links are provided for informational and convenience purposes only.
InsurVibes does not endorse, control, or assume responsibility for the content, accuracy, privacy practices, or availability of any external websites or resources. Accessing external links is at the user's own risk. The presence of a link on InsurVibes does not imply any affiliation, partnership, or endorsement.
References to specific insurance carriers by name in educational content are for illustrative purposes only and do not constitute endorsement, recommendation, or affiliation. InsurVibes is not affiliated with any insurance carrier.
Changes to this disclaimer
InsurVibes reserves the right to update, modify, or replace this disclaimer at any time at its sole discretion. Changes will be effective immediately upon posting to this page. The "Last reviewed" date at the top of the sidebar reflects the most recent review or update.
We encourage users to review this disclaimer periodically. Continued use of InsurVibes.com following any changes to this disclaimer constitutes acceptance of those changes.
If we make material changes that significantly affect the nature of InsurVibes' activities or this disclaimer's core representations — particularly those relating to licensure status or referral fee arrangements — we will make reasonable efforts to notify users through a prominent notice on the website.
Contact and questions
If you have questions about this disclaimer, the nature of InsurVibes' activities, or InsurVibes' compliance with Michigan insurance law, please contact us:
Email: legal@insurvibes.com
General enquiries: insurvibes.com/contact
For questions specifically related to Michigan insurance law and licensed activities, you may also contact the Michigan Department of Insurance and Financial Services (DIFS) toll-free at 877-999-6442 or visit michigan.gov/difs.
This disclaimer should be read alongside InsurVibes' Privacy Policy and Terms of Service, which together govern your use of InsurVibes.com. In the event of a conflict between this disclaimer and any other document, this disclaimer controls with respect to InsurVibes' licensing status and the nature of its activities.