1 /5 Ana Cristina Cojocaru: My name is Ana Cristina Cojocaru, and I am a former brightway franchise owner in Poughkeepsie, New York. I strongly caution anyone considering this franchise model. Brightway’s leadership presented a business opportunity that, in practice, was riddled with structural and legal shortcomings.
Despite assurances during the onboarding process, I was denied direct access to standard carrier appointments — a core necessity for success in the P&C insurance market. The quotes that I was emailing to potential clients were frightening. One potential client that I had received, I quoted him $40,000 for one year of car coverage. This is evidence of the damaging effect of not having access to standard carrier appointments. As a new insurance agency owner, I was priced out of the market, and not financially competitive.
This severely handicapped my ability to serve clients competitively and grow the business. Communication from their corporate team was consistently delayed, obstructive, and opaque. I desperately tried multiple times to get a hold of compliance, only to be met with automated messages. It wasnt until my husband escalated this issue, that my concerns got presented to the leadership team.
When concerns were raised, I was met with indifference rather than support. Due to Brightway’s misrepresentations and lack of operational transparency, I’ve formally reported the company to the New York State Department of Financial Services Auditing Division, the New York State Attorney General, and have brought this matter to the attention of investigative journalists at The Wall Street Journal.
In conclusion, I advise you to proceed with caution. What was promised as a partnership turned out to be a one-sided arrangement that left me with significant financial and emotional damage. I have been a self-employed business owner for well over 10 years, and my partnership with brightway was the most painful business relationship I had to endure.