Terms and Conditions

1. Acceptance of Terms

By using this website, you confirm that you are at least 18 years old and agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use this website.

2. Services Provided

Your Benefit Coverage is an insurance marketing and referral website. It connects callers with licensed insurance representatives who may review final expense insurance options from 2-3 participating carriers.

We are not an insurance carrier and we do not issue policies. Quotes and policies are provided through licensed insurance agents, agencies or insurance carriers.

3. No Guarantee of Coverage

Calling or providing information does not guarantee:

• Insurance approval
• Coverage eligibility, including for guaranteed issue products
• Specific pricing
• Policy issuance

Health-related questions are required, and some medical conditions may disqualify applicants from available products. All coverage decisions are subject to carrier underwriting guidelines and approval. Final expense options may be available to eligible adults up to age 80; ages and eligibility rules vary by carrier, plan and state.

4. Calls and Call Recording

This website uses an inbound, click-to-call process. Calls may be routed to an available licensed representative, and different representatives or teams may assist with quoting, applications, servicing and claims-related questions. Calls may be recorded and monitored for quality, training and compliance purposes.

5. Consent to Contact

We do not call you unless you ask us to. If you request a callback or otherwise give your express consent, you agree to be contacted by Your Benefit Coverage and its authorized marketing partners, including Insurance Supermarket Inc., at the number you provide, which may include phone calls and text messages. Message and data rates may apply. Consent is not a condition of purchase.

You may withdraw consent at any time by telling the representative, replying STOP to a text message, or contacting us directly.

6. User Responsibilities

You agree that:

• All information you provide is accurate and truthful
• You will not use the website for unlawful purposes
• You will not attempt to disrupt or compromise website security
• You will not impersonate another person or entity

7. Intellectual Property

All website content, including logos, branding, text, graphics, images and design elements, is the property of Your Benefit Coverage unless otherwise stated, and may not be copied or reproduced without written permission.

8. Third Party Services

This website may contain links to third party websites or services. We are not responsible for third party content, privacy practices, accuracy of information, or external website policies. Users access third party websites at their own risk.

9. Disclaimer

The information on this website is provided for informational and marketing purposes only and should not be considered financial, legal, or insurance advice. Coverage availability, premiums and benefits vary by carrier, plan, age, state and eligibility.

10. Limitation of Liability

Your Benefit Coverage shall not be liable for any direct, indirect, incidental, or consequential damages resulting from website use, service interruptions, inaccurate information, delayed communications, or third party actions. Use of this website is at your own risk.

11. Privacy

Your use of this website is also governed by the Privacy Policy, which explains how call information, recordings and other personal information are collected, used and shared.

12. TCPA Compliance

Where you provide your phone number and consent to be contacted, you agree to receive calls and text messages consistent with the Telephone Consumer Protection Act (TCPA), where applicable. You certify that the phone number provided belongs to you and that you are authorized to receive communications at that number.

13. Changes to Terms

We may update or modify these Terms of Service at any time. Changes become effective when posted. Continued use of the website after updates constitutes acceptance of the revised terms.

14. Contact Information

For questions regarding these Terms of Service, please contact us by email at info@yourcoveragebenefits.com.