Terms & Conditions of www.myBeneLife.com

BeneLife is a free consumer service designed to help individuals better understand their insurance options and gain access to professionals for life insurance and annuity quotes. BeneLife does not sell insurance.

BeneLife’s mailing address is at PO Box 756 Moorestown, NJ 08057. You can contact us via the contact details in our website. We are an insurance intermediary, not an insurance company. BeneLife is not liable for the actions or inactions of any activity associated with the insurance professional that contacts the internet user in the course of any activity associated with pursuing an insurance policy or quote through this website. Unless we specifically state otherwise, by using this website you are confirming that you are 18 years or older and are a resident of the United States.

On this website/ service we offer insurance introduction services. These include gathering your insurance profile by means of our Life Insurance and/or Annuity form (s) and introducing you to a selection of insurers by having an insurance professional contact you. That agent will present you with a choice of insurers whose target criteria which are appropriate for you.

By using this website, you confirm that you agree to these terms and conditions, which create a contract between you and us concerning use of this website. You also confirm that you have shown these terms and conditions to, and have gotten similar confirmation from, any third parties on whose behalf you act. We reserve the right to change these terms and conditions without notice. It is your responsibility to check for updates each time you visit this website. The effective date will be shown at the bottom of this document.

Any prices for insurance suggested in association with this website are approximate only and based on information which insurers send your insurance agent. In any case, the insurers may change them. We cannot guarantee that you can actually buy insurance at the price indicated (or at all) by your insurance agent and so you should double check the actual premium quoted by the insurer before you buy.

To be sure that it is expressed clearly, we do not sell insurance or enter into insurance contracts ourselves. Your insurance agent can assist you with this process. However, overall this is between you and the insurer. It is our recommendation that you request and read the insurer's terms and conditions before you buy. (They are completely different than ours.) We are not responsible or liable for any insurance which you buy. If you need more information about specific insurance, you should contact the insurer or contact your assigned insurance agent. This website is “as is”. We cannot promise that this website or any data stored or transmitted in connection with it will be uninterrupted, secure or error-free or will result in a specific outcome. We can't promise that any particular insurance is the right insurance for you.

We provide general insurance information on our site but this isn't intended as insurance, legal, tax, accounting, consulting or other advice. Specifically, we do not give advice on buying or not buying any particular insurance or other products or services. We cannot promise, but we do our best to make sure that general information on our site is accurate and up to date. It is at your risk if you rely on it when deciding whether or not to buy any type of insurance for any reason. It is also your responsibility to check carefully that any information you submit on this website (including form fields that are pre-populated) is accurate. Be sure that you have disclosed all relevant facts. Also, when getting a quote or buying insurance from an insurer, it is up to you to check that information of yours which we have passed on to the insurance agent is accurate and up to date as, despite our best efforts, mistakes in storage and/or transmission of data can happen.

We make no promise that this website will operate either fully or in part on any specific computer equipment or with any specific software or that it is free from viruses or anything else which may have a harmful effect on any technology. We are not responsible or liable for any damage, either temporary or permanent, occurring to either equipment or software that might occur whilst using our website. We maintain the right to suspend operation of this website without notice for repair, maintenance or other technical reasons.

The following (and any other clause excluding or restricting our liability) is applicable to our directors, officers, employees, subcontractors, agents and affiliated companies as well as to us. Nothing in this agreement in any way limits or excludes our liability for negligence causing death or personal injury or for fraudulent misrepresentation or for anything which may not legally be excluded or limited. If you are a consumer your statutory rights are not affected by this agreement. We will not be liable for any reason (including our own negligence) for any: economic losses (including, without limit, loss of revenues, profits, contracts, business or anticipated savings); loss of goodwill or reputation; special, indirect or consequential losses; or damage to or loss of data even if we have been advised of the possibility of such losses. We exclude, to the extent allowed by law, all implied obligations not expressly stated in this agreement. To describe our intellectual property rights, understand that the content of this website including without limitation all information, software, data, text, photographs, graphics, sound and video are protected by copyright, trade marks, service marks, patents or other intellectual property of ourselves or third parties.

Content of this website may not be retrieved, displayed, modified, copied, printed, downloaded, sold, hired, reverse engineered or transmitted in any way, except as expressly permitted in these terms and conditions, or with our prior written consent. One may retrieve, display, copy, print or download the content on this site only for legitimate personal use on and not for commercial exploitation.

These terms and conditions make up the entire agreement between you and us. Any failure by us to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any provision of these terms and conditions is found by a court to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision and that other provisions remain in full force and effect.