The Ripley Group - Privacy Policy


This privacy notice discloses the privacy practices for This privacy notice applies solely to information collected by this web site. It will notify you of the following: 

1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
2. What choices are available to you regarding the use of your data. 
3. The security procedures in place to protect the misuse of your information. 
4. How you can correct any inaccuracies in the information. 

Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to send your info to another life agency to assist in getting quotes.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

- See what data we have about you, if any. 
- Change/correct any data we have about you.
- Have us delete any data we have about you. 
- Express any concern you have about our use of your data.

We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies can enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data or bank information), that information is encrypted and transmitted to us in a secure way.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 1-800-581-3130 or via email at


The Ripley Group - Terms of Use

Terms of Use

By accessing the web site, you agree to abide by these terms of use. If you do not agree with these terms, please do not access any other parts of the web site.

1. By submitting a request for a quote, you understand and agree that RipleyLife's free life price comparison service assumes the accuracy and completeness of the information you supply, that the quoter provides only an estimate of the premium you might pay for life insurance and that the actual price of any policy you may be offered at the conclusion of your application and underwriting process may be higher or lower than the price quoted by the quoter. See "About Our Quotes."

You understand that RipleyLife does not guarantee that you will be offered a policy at the conclusion of your application process. By submitting a life insurance quote request, you consent to receive phone calls from a licensed insurance agent regarding life insurance, at the phone number(s) you provide, including your wireless number if provided. You understand these calls may be generated using an automated technology.

2. By submitting a request for a quote, you represent that you are not doing so, directly or indirectly, for the purpose of or in connection with any attempt to solicit, sell or obtain insurance to, for or on behalf of a third party (other than as a means of referring such third party to our services). You agree to promptly (within 10 days) pay Sandy Paws Financial, LLC $40 for each quote that you obtain from our quoter in violation of this representation. You also agree to indemnify Sandy Paws Financial, LLC for any liability and/or damages that Sandy Paws Financial, LLC suffers as a result of your unauthorized use of the quoter or our web site.

3. The web site and content is protected by one or more copyrights, patents, database rights, trademarks, service marks and/or other intellectual property or proprietary rights that are owned by Sandy Paws Financial, LLC and/or third parties. RipleyLife, and other names and indicia of Sandy Paws Financial, LLC and its products and/or services are exclusive trademarks and service marks or registered trademarks of Sandy Paws Financial, LLC Other service, product and company names appearing on the site may be trademarks or service marks of their respective owners. You may not remove any copyright, trademark or other proprietary notice or legend contained on (or printed from) the web site. We may revise the web site at any time, without notice.

4. You may not publish, broadcast, retransmit, reproduce, commercially exploit, create any derivative of or otherwise disseminate all or any portion of the web site without the express prior written permission of Sandy Paws Financial, LLC and any applicable third party. You may not decompose, decompile, reverse engineer, disassemble or otherwise deconstruct all or any portion of the web site, nor will you frame our web site or use any robot, spider, or other device, software or process, whether manual or automatic, to monitor or copy our web pages or the content contained herein. You may reproduce quotes and information on this web site only for your own personal, non-commercial use.

5. You agree that any controversy or legal claim arising out of or relating to these Terms of Use or our services, excluding action we may take to collect fees pursuant to Paragraph #2 and/or recover damages or obtain an injunction relating to our web site's operations, intellectual property and our services pursuant to Paragraphs #3 and #4, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless we, in our sole discretion, consent thereto. The arbitration shall be conducted in McLean, Virginia and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Should either you or Sandy Paws Financial, LLC file an action contrary to this provision, the other party may recover attorneys fees and costs up to $10,000.

About Our Quotes

Sandy Paws Financial, LLC operates a free life insurance price comparison service. Using the information you provide, the quoter compares the rates from over 15 U.S. life insurance companies who offer some of the most competitive rates. The quoter produces an individualized price comparison report that summarizes: (1) the names of the insurers offering the lowest prices, (2) the rate class for which you may qualify based on the information you have entered, (3) the modal premium, (4) the length of any level premium rate guarantee, and (5) the financial strength ratings of the insurers as rated by A.M. Best.

The actual price of any policy you may be offered at the conclusion of your application and underwriting process may be higher or lower than the price quoted by the quoter. This variance may be due to additional information that the insurer discovers in the course of underwriting your application, a change in your age, or a change in the insurer's rates. If you are offered a policy with a higher rate than you expected, we will "shop your coverage" to other life insurers (with your permission) to see if another carrier will provide a better offer.

We continually monitor the market for term life insurance in the United States to ensure that the quoiter is comparing rates from those carriers who generally offer the lowest prices. However, there are over 800 companies licensed to sell life insurance in one or more U.S. jurisdictions. Since the quoter only includes the rates from 15-30 life insurers who we believe offer the best combination of competitive rates, financial strength and customer service, the quoter does not compare the prices from every life insurer licensed in your jurisdiction. In addition, although we believe that the life insurers included in the quoter generally offer the lowest prices for most rate classes, we maintain customer service standards pursuant to which we occasionally exclude otherwise highly-rated insurers who offer competitive rates from the quoter because they have failed to maintain certain basic standards for servicing our customers. Finally, although we believe that the quotes provided by the quoter are accurate, we cannot guarantee the accuracy of every quote due to the possibility of human or computer error.

RipleyLife/The Ripley Group/Sandy Paws Financial, LLC does not guarantee that you will be offered a life insurance policy at the conclusion of your application process. RipleyLife is not an insurance company but rather acts as an agency for over 15 insurance companies. Simrit K Gillon, The Ripley Group/Sandy Paws Financial, LLC's President is the agent of record for all applications submitted through the RipleyLife service. RipleyLife does not endorse any specific insurer.


Sandy Paws Financial, LLC, DBA The Ripley Group and/or its Chief Executive Officer Simrit K Gillon act as and are licensed life insurance agents in many states, including her resident state of Washington. Simrit K Gillon's Washington license number is 859470; in California, ; and in Texas. Sandy Paws Financial, LLC’s (D/B/A The Ripley Group) in Washington is 860109. California license number is ;  Texas license number is .


Copyright © 2014 Sandy Paws Financial, LLC All rights reserved. RipleyLife is a service mark of Sandy Paws Financial, LLC. All other marks and names on this Web site are the property of their respective owners.