Terms of Service

Effective Date: May 20, 2026

📝 Placeholder: This page is a starting template. Have your legal counsel draft a full Terms of Service tailored to your business model, jurisdiction, and risk profile before launch.

1. Acceptance of Terms

By accessing or using healthbenefitsnow.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Site.

2. Services

Health Benefits Now is an independent insurance brokerage that helps consumers compare and enroll in health, Medicare, life, and ancillary insurance products. We do not underwrite or issue insurance policies; carriers do.

3. No Insurance Advice

Information on this Site is for general informational purposes only and does not constitute insurance, legal, financial, or tax advice. Always confirm details with a licensed agent before making coverage decisions.

4. Eligibility

You must be at least 18 years old to use this Site or submit a form. You represent that all information you provide is accurate and complete.

5. Communications

Your right to contact and be contacted is governed by our TCPA Consent Disclosure and Privacy Policy.

6. Limitation of Liability

To the maximum extent permitted by law, Health Benefits Now is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or insurance products obtained through us.

7. Governing Law

These Terms are governed by the laws of [State], without regard to conflict of laws principles.

8. Changes

We may update these Terms at any time. The version in effect at the time of your use governs.

9. Contact

Questions about these Terms? Email legal@healthbenefitsnow.com or call (888) 711-7894.