Important Information
Please review the following terms, policies, and disclosures carefully. These sections are intended to provide important information about J3 Owens Group, this website, career information, income illustrations, privacy practices, and the limitations applicable to information presented on this site.
Terms of Use
By accessing or using this website, you acknowledge and agree to these Terms of Use. If you do not agree with these terms, you should discontinue use of this website.
Informational Purpose
The information presented on this website is provided for general informational and educational purposes. Nothing on this website constitutes legal, tax, accounting, financial, investment, or other professional advice.
Permitted Use
You may use this website only for lawful purposes. You may not attempt to interfere with the operation or security of the website, gain unauthorized access to systems or information, misuse website content, or use the website in violation of applicable law.
Intellectual Property
Unless otherwise indicated, original website content, design elements, graphics, text, and other materials created for J3 Owens Group are protected by applicable intellectual property laws and may not be copied, reproduced, distributed, or commercially exploited without authorization.
Third-Party Content
This website may reference or display information, trademarks, logos, services, or resources belonging to third parties. J3 Owens Group does not control third-party websites or resources and is not responsible for their content, availability, policies, or practices.
Changes to These Terms
J3 Owens Group may revise these Terms of Use from time to time. Continued use of the website following publication of updated terms constitutes acceptance of the revised terms.
Privacy Policy
J3 Owens Group respects the privacy of website visitors and individuals who submit information through this website.
Information We May Collect
Information may be collected when you voluntarily submit a form, request information, schedule an interview, communicate with J3 Owens Group, or otherwise interact with this website.
Information collected may include your name, email address, telephone number, state of residence, licensing status, referral source, and other information you choose to provide.
How Information May Be Used
Information may be used to respond to inquiries, communicate with candidates or agents, schedule interviews, provide requested information, operate and improve the website, maintain records, support business operations, and comply with applicable legal or regulatory obligations.
Cookies & Website Technology
This website and its service providers may use cookies, pixels, analytics tools, and similar technologies to operate the website, understand website usage, improve performance, and support marketing or communications activities where permitted by law.
Information Sharing
Information may be shared with service providers, technology platforms, business partners, professional advisors, or other parties when reasonably necessary to operate the website, provide services, conduct business activities, or comply with legal obligations.
J3 Owens Group does not sell personal information to third parties in exchange for monetary payment.
Data Security
Reasonable administrative, technical, and organizational measures may be used to protect information. However, no website, electronic communication, or data storage system can be guaranteed to be completely secure.
Contact Regarding Privacy
Individuals with questions about privacy practices or requests concerning personal information may contact J3 Owens Group using the contact information provided on this website.
California Privacy Rights
California residents may have certain rights regarding personal information under applicable California privacy laws. Depending on the circumstances and applicable legal requirements, these rights may include the right to request information regarding personal information collected, used, disclosed, or retained.
California residents may also have rights to request access to, correction of, or deletion of certain personal information, subject to applicable exceptions and verification requirements.
J3 Owens Group does not sell personal information in exchange for monetary payment.
Submitting a Privacy Request
California residents wishing to submit an applicable privacy request may contact J3 Owens Group using the contact information provided on this website. Requests may be subject to identity verification and limitations or exceptions provided by applicable law.
Non-Discrimination: J3 Owens Group will not unlawfully discriminate against an individual for exercising applicable privacy rights.
Income Calculator Disclaimer
The income calculator presented on the Career Path page is provided solely for educational and illustrative purposes.
Calculator results are hypothetical examples based on simplified assumptions. They are not guarantees, promises, projections, representations, or assurances of actual or future earnings.
Actual Results Vary
Actual income and business results vary significantly and may be affected by numerous factors, including:
- Licensing and state regulatory requirements
- Carrier contracting and appointment approval
- Commission level and compensation structure
- Product type and carrier
- Lead availability and lead expenses
- Activity level and work schedule
- Training participation and skill development
- Application submission and placement rates
- Underwriting decisions
- Policy persistency, cancellations, and chargebacks
- Business expenses and tax obligations
- Market conditions and individual performance
The calculator does not account for every factor that may affect compensation or business results. Results should not be interpreted as typical, expected, or guaranteed earnings.
Career & Earnings Disclaimer
Independent Contractor Status
Insurance agents affiliated with J3 Owens Group are independent contractors, not employees. Independent contractors are responsible for their own expenses, licensing, taxes, business activity, compliance obligations, and performance.
Nothing on this website creates an employment relationship, salary guarantee, guaranteed benefit arrangement, or guarantee of continued affiliation.
No Guarantee of Selection or Contracting
Submission of information, scheduling an interview, participating in an interview, reviewing this website, or beginning the licensing process does not guarantee selection, contracting, carrier appointment, licensing approval, income, advancement, or continued affiliation.
Income & Compensation
Any income examples, compensation illustrations, bonus references, career comparisons, or descriptions of earning potential are provided for informational and illustrative purposes only.
Individual results vary. No income level, production level, promotion, bonus, award, or business result is guaranteed.
Licensing Requirements
Insurance licensing requirements vary by state. Candidates and agents are responsible for satisfying applicable pre-licensing, examination, background, continuing education, appointment, and regulatory requirements.
J3 Owens Group does not guarantee that any individual will qualify for, obtain, or maintain an insurance license or carrier appointment.
Career Comparison Information
Career comparison information presented on this website is intended to provide general, high-level information about selected career paths and industries.
Data and comparisons may be based on publicly available information and may vary by geography, employer, industry, market conditions, education, experience, credentials, and individual performance. Such comparisons do not represent guaranteed outcomes or comprehensive labor-market analysis.
Testimonials & Individual Experiences
Testimonials, quotes, personal stories, and individual experiences reflect the experiences of the individuals involved. They may not represent typical results and do not guarantee that another individual will achieve similar income, advancement, experiences, or business results.
Website Disclaimer
No Insurance, Legal, Tax, or Financial Advice
Information presented on this website is provided for general informational purposes and does not constitute insurance, legal, tax, accounting, investment, or financial advice.
Nothing on this website is a recommendation to purchase, replace, cancel, modify, or retain any particular insurance policy or financial product.
Carrier Availability & Products
Carrier availability, product offerings, appointment eligibility, underwriting requirements, compensation, and issue requirements may vary by state, carrier, product, applicant, licensing status, and appointment status.
Reference to or display of a carrier does not imply that every agent will be appointed with that carrier or that every product is available in every state or to every applicant.
Third-Party Trademarks & Logos
All third-party names, trademarks, service marks, logos, publications, awards, and media references are the property of their respective owners.
Their appearance on this website is for identification and informational purposes and does not imply sponsorship, endorsement, employment, partnership, or approval unless expressly stated.
Integrity & Third-Party References
References to Integrity, insurance carriers, investment partners, media organizations, awards, publications, or other third parties are intended to describe industry relationships, available platform resources, recognition, carrier access, or other relevant business context.
Such references do not guarantee individual contracting, carrier appointment, compensation, income, support level, career advancement, or business results.
Accuracy & Availability
J3 Owens Group endeavors to provide accurate and useful information. However, website information may contain errors, omissions, outdated information, or technical issues.
Website content, services, features, disclosures, and availability may be modified or discontinued without notice.
Limitation of Liability
To the fullest extent permitted by applicable law, J3 Owens Group disclaims liability for losses or damages arising from reliance on website information, use or inability to use the website, third-party content, external resources, or decisions made based on information presented on this website.