Last updated: October 21, 2025
Welcome to Family Benefits Center. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.
Family Benefits Center is an insurance brokerage that provides:
We act as an independent broker and work with multiple insurance carriers to help you find appropriate coverage. We do not underwrite insurance policies or make coverage decisions.
You must be at least 18 years old to use our services. By using our website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
When using our services, you agree to:
Insurance quotes provided through our services are estimates based on the information you provide. Actual premiums and coverage may differ based on underwriting, medical history, and other factors determined by the insurance carrier.
Submitting an application through our services does not guarantee coverage. All applications are subject to review and approval by the insurance carrier. The carrier may request additional information, medical examinations, or documentation.
We cannot guarantee that you will be approved for coverage or that any specific policy will be available to you. Insurance carriers make final decisions on coverage and pricing.
Our services are typically provided at no direct cost to you. We receive compensation from insurance carriers in the form of commissions when you purchase a policy through us. This compensation does not increase the cost of your insurance.
In some cases, we may charge fees for specialized consulting services. Any such fees will be clearly disclosed and agreed upon before services are rendered.
All content on our website, including text, graphics, logos, images, and software, is the property of Family Benefits Center or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.
Information provided on our website is for general informational purposes only and does not constitute legal, financial, or professional advice. You should consult with appropriate professionals regarding your specific situation.
We strive to provide accurate information, but we cannot guarantee the accuracy, completeness, or timeliness of information from third-party sources, including insurance carriers.
To the fullest extent permitted by law, Family Benefits Center and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, including but not limited to:
Our total liability to you for any claims arising from your use of our services shall not exceed the amount of commissions we received from policies you purchased through us in the 12 months preceding the claim.
You agree to indemnify, defend, and hold harmless Family Benefits Center and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.
Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of these external sites. Your use of third-party websites is at your own risk.
We reserve the right to terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use our services will immediately cease.
We may modify these Terms at any time by posting updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court to protect intellectual property rights.
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Family Benefits Center regarding your use of our services and supersede all prior agreements.
If you have questions about these Terms, please contact us:
Family Benefits Center
Email: services@familybenefitscenter.com
Phone: (463) 263-3583
Hours: Monday - Friday, 8:00 AM - 8:00 PM EST
By using our services, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.