Licensing and Disclosures

Independent agency

First Benefit Solutions LLC is an independent insurance agency. We are not an insurance company. We hold appointments with multiple carriers and place coverage with the carrier that fits the client. Policies are issued by the carrier and governed by the terms of that policy.

Licensing

Licensed in multiple states. Every agent who quotes or sells coverage through First Benefit holds an active insurance license in the client’s state of residence. Products and carriers vary by state, and a product described on this site may not be available where you live.

How we are compensated

We are paid commissions by insurance carriers when a policy is issued and kept in force. Commission rates differ by carrier and product. You do not pay us a fee, and your premium is the same whether you buy through us or directly from the carrier. Because we represent several carriers, we may also receive incentive or override compensation based on overall production. Ask your agent if you want details about compensation on a specific policy.

Quotes and underwriting

Any rate or coverage amount quoted before a policy is issued is an estimate. Final premiums and terms are determined by the carrier based on your application, health history, and state regulations. Approval is never guaranteed on plans that ask health questions. Guaranteed issue plans accept applicants within the stated age range without health questions, but pay a reduced benefit (typically a return of premiums plus interest) if death from natural causes occurs during the first two policy years. Your agent will tell you which type of plan you are applying for before you apply.

Medicare

First Benefit Solutions LLC is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Enrollment in a Medicare Advantage or Part D plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period. Plans have contracts with Medicare, and benefits, premiums, and provider networks can change each year. Medicare Supplement plans are standardized but priced by each carrier.

Health insurance marketplace

First Benefit is not the Health Insurance Marketplace and is not affiliated with HealthCare.gov or any state exchange. Marketplace subsidy estimates depend on the household income and size you report and are finalized by the marketplace, not by us. Short-term medical plans are not ACA-compliant, do not cover pre-existing conditions, and are not available in every state.

Supplemental coverage

Critical illness, accident, and hospital indemnity policies pay fixed benefits and are not a substitute for major medical coverage. Benefit definitions, waiting periods, and exclusions are set by the policy. Read the policy before relying on a benefit.

Not tax or legal advice

Statements about the tax treatment of life insurance benefits or other products are general in nature. Consult a tax or legal professional about your situation.

Complaints

If you have a concern about how you were treated, email contact@firstbenefitinsurance.com and we will respond. You may also contact the department of insurance in your state.