Terms of Use

These terms govern your use of firstbenefitinsurance.com (the “Site”), operated by First Benefit Solutions LLC (“First Benefit,” “we,” “us”). By using the Site you agree to them. If you do not agree, do not use the Site.

1. What the Site is

The Site provides general information about insurance products and lets you request contact from a licensed agent. It is not an offer to sell insurance, and nothing on it creates coverage. Coverage exists only under a policy issued by an insurance carrier after an application is approved.

2. Quotes and estimates

Any premium or coverage amount shown on the Site or described by an agent before a policy is issued is an estimate. Final rates and terms are set by the carrier based on your application, underwriting, and the laws of your state. Product availability varies by state.

3. No professional advice

Content on the Site is general information, not legal, tax, or financial advice. Talk to a qualified professional about your situation. Information about Medicare, marketplace subsidies, and tax treatment is provided for orientation and may change.

4. Your submissions

When you submit a form, you confirm that the information is accurate and that you are the person it describes or are authorized to act for them. Providing false information on an insurance application can void coverage and may be a crime.

5. Acceptable use

You agree not to use the Site to submit false requests, interfere with its operation, scrape or harvest data, attempt unauthorized access, or violate any law.

6. Intellectual property

The Site’s text, design, graphics, and marks belong to First Benefit or its licensors. Carrier names and marks belong to their respective owners and appear only to identify the carriers we represent. You may not copy or reuse Site content without written permission.

7. Third-party sites

Links to carrier websites, Medicare.gov, and other third parties are provided for convenience. We do not control those sites and are not responsible for their content or practices.

8. Disclaimer of warranties

The Site is provided “as is” and “as available.” We make no warranty that it will be uninterrupted, error-free, or that its content is complete or current. To the fullest extent permitted by law, we disclaim all warranties, express or implied.

9. Limitation of liability

To the fullest extent permitted by law, First Benefit is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site. Nothing in these terms limits liability that cannot be limited under applicable law, including obligations under an issued insurance policy, which are governed by that policy and the carrier.

10. Indemnification

You agree to indemnify First Benefit against claims arising from your misuse of the Site or your breach of these terms.

11. Governing law

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Disputes will be brought in the state or federal courts located in California.

12. Changes

We may update these terms at any time by posting the new version here. Continued use of the Site after a change means you accept it.

13. Contact

Questions about these terms: contact@firstbenefitinsurance.com.