Terms of Use

Terms of Use

This document constitutes our Terms of Use of this site. By using our site in any manner, including but not limited to requesting quotes for insurance coverage, you agree to these terms and conditions of use. We can update our Terms at any time and you agree to abide by those Terms by using our site in any manner in the future or by having used our site in any manner in the past. In other words, you agree to abide by any changes we may make from time to time in our Terms of Use by using this site in any manner at any time.

Our agency represents various insurers on an independent basis in numerous states. In states where the agency or any of its affiliated agents, brokers, or producers is duly licensed, we agree to provide you with quotes provided by duly licensed insurance companies with which we are contracted and/or appointed. In the unlikely event any particular insurer is rated lower than A-“excellent” from A.M.Best, we may opt not to provide quotes, or inform you of the carrier ratings prior to providing quotes or as soon thereafter as is reasonably possible. We always reserve the right not to provide quotes or not to serve as AOR (Agent or Broker of Record) for any particular current or prospective client.

As part of our service, we agree to provide independent, professional advice and counsel with respect to various plans and companies on whose behalf we provide quotes. Where appropriate, we also will provide advice and counsel regarding plans we do not offer.

By utilizing our services, you expressly understand and acknowledge that our agency receives compensation in the form of commissions paid direct by the various insurance companies we represent. In general, we do not charge fees for our advice and/or counsel, other than commissions received. We reserve the right to charge consultation fees where we deem it to be appropriate and where allowed under our relevant licensure.

Complete privacy and security are not possible over the Internet. Consequently, our agency will not be responsible or liable for any harm or loss resulting from use, communication or transmission of any information to or from this website. Material is not to be copied from our website.

Contents of this website are provided for your convenience. You must always consult with your insurance agent or broker and refer to your specific insurance policy declaration for specific coverage information about your policy. This information is subject to change and updated at any time without prior notice.

Contents of this site are offered only for informational purposes. Although we attempt to provide the most accurate and up to date information possible, you agree not to rely upon any information contained in this site for any financial, legal, or insurance purposes other than informational purposes. We will not be held responsible for any detrimental reliance you place on this site or its content. It is agreed that if you use this site it shall be on an “as is” basis and entirely at your own risk.

Senior Benefits NV, its associated companies, officers, directors, associates, agents, or employees, or any other person associated with this site, shall not be liable or responsible for any harm, loss or damage whether arising in contract, tort negligence, or otherwise that may arise in any connection with use of this site, including any indirect, direct, special, third party, or consequential damages.

Every insurance plan has limitations and exclusions. It is your responsibility to be aware of any limitations and/or exclusions of any insurance plan purchased through this site, either directly or indirectly.

Other websites that may be accessed from this website by hypertext links are entirely independent of this site and shall not be construed as having any reflection on, or any affiliation with, or endorsement of this site, or entity, or its respective products or services.

The display and use of trademarks in this website does not imply that a license of any kind has been granted.

Contents of this site are copyright protected. You do not have permission to copy, distribute, disseminate, commercially exploit, republish, or otherwise communicate any part of this site’s contents in any manner whatsoever without our prior written consent.