Last updated September 2026
These terms apply to the informational pages published directly at benefits-for-you.com: the home page, the privacy policy, and this page. They do not apply to the other sections of this domain, which are operated by independent licensed insurance agencies under their own terms.
These pages are published for general information. They are not insurance advice, legal advice, tax advice or financial advice, and reading them creates no agent-client, broker-client, advisory or fiduciary relationship of any kind. What is right for you depends on facts about you that these pages know nothing about.
Nothing on these pages is an offer to sell, or a solicitation to buy, any insurance policy or other product. No policy can be applied for, quoted or bound here. Where these pages describe how a kind of policy generally works, that is a generalisation: availability, eligibility, underwriting, waiting periods, premiums and policy wording are set by individual insurance companies, vary by state, and are governed entirely by the policy contract actually issued.
Figures taken from outside sources are attributed where they appear, with the year of the underlying data, and were believed accurate when the page was reviewed on the date shown. Costs, statistics, regulation and market practice change. Nothing here is warranted to be current, complete or free of error.
These pages carry no forms and process no transactions, so no dispute about an insurance product can arise out of them. If you submitted a form, requested a quote, or entered into any relationship through another section of this domain, that was with the licensed agency identified on that section. That agency's own terms and privacy policy, its licensing, and the law applicable to it and to you where you live govern that relationship. Nothing in these terms alters it, and these pages are not a party to it.
Where an outside body is named — a government agency, a regulator, a trade association — it is named for your reference. These pages do not control those organisations and are not responsible for their content or their practices.
These pages are provided as they are, without warranty of any kind, express or implied. To the fullest extent the law allows, no liability is accepted for any loss arising from reliance on the information published here. Nothing in these terms limits any liability that cannot lawfully be limited.
The text and layout of these pages belong to the operator of this site. Quoting a short passage with attribution is fine. Republishing the pages wholesale is not.
These terms may be revised. The version in force is the one posted here, with the date it carries.
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