Terms and Conditions
Last updated: September 29, 2026
These Terms and Conditions (“Terms”) govern your access to and use of https://allbenefitscare.com/ (the “Site”) operated by All Benefits Care (“Company,” “we,” or “us”). By using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Nature of the service
The Site provides educational content about hospital indemnity and supplemental insurance and offers a means to request contact from licensed insurance professionals. All Benefits Care is a lead generation and marketing service. We are not an insurance company and do not issue insurance policies.
2. No insurance advice on the Site
Content on the Site is for general informational purposes only and is not professional insurance, legal, tax, or medical advice. Policy terms, benefits, premiums, and availability vary by carrier and state. Only licensed agents and official policy documents control coverage decisions.
3. Supplemental coverage disclaimer
Hospital indemnity products discussed through the Site are supplemental, limited-benefit policies. They are not major medical insurance, do not replace comprehensive health coverage, and do not satisfy Minimum Essential Coverage requirements under the Affordable Care Act unless explicitly stated in a specific product’s filings (which is uncommon for hospital indemnity).
4. Medicare disclaimer
We are not connected with, endorsed by, or affiliated with the U.S. Government or the federal Medicare program. For all Medicare options, contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP).
5. Quote requests and consent
When you submit a quote form, you represent that information provided is accurate to the best of your knowledge. You authorize Company and its partners to contact you using the information supplied, including via phone, email, and text, as described in our Privacy Policy and on the form.
6. Partner agents and lead buyers
We may transfer your information to one or more licensed agents, agencies, or lead purchasers who may compensate us for marketing services. Partners are independent entities responsible for their own compliance with insurance regulations and telemarketing laws.
7. No guarantee of coverage
Submitting a form does not guarantee eligibility, approval, or issuance of any policy. Underwriting decisions belong solely to insurance carriers.
8. Intellectual property
Site content, branding, logos, and design are owned by Company or licensors and protected by intellectual property laws. You may not copy, scrape, or redistribute Site materials without written permission.
9. Acceptable use
You agree not to misuse the Site, submit false information, attempt unauthorized access, or interfere with Site operation.
10. Third-party services
The Site may integrate plugins or services (including Contact Form 7). Third-party terms apply to those services.
11. Disclaimer of warranties
THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SITE OR RELIANCE ON SITE CONTENT.
13. Indemnification
You agree to indemnify and hold harmless Company from claims arising out of your misuse of the Site or violation of these Terms.
14. Governing law
These Terms are governed by the laws of the state in which Company is headquartered, without regard to conflict-of-law rules, except where consumer protection laws of your state mandate otherwise.
15. Changes
We may modify these Terms at any time by posting an updated version on the Site. Continued use after changes constitutes acceptance.
16. Contact
Questions about these Terms: help@allbenefitscare.com
