Terms of Use
These Terms of Use ("Terms") govern your use of benitainsurance.com and the life insurance quote request form (the "Site"), operated by Benita Insurance ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Who may use the Site
You must be at least 18 years old and a United States resident to use the Site and submit a quote request. By using the Site, you represent that you meet these requirements and that the information you provide is accurate and belongs to you.
2. The Site provides quote requests, not insurance
Benita Insurance helps connect you with licensed insurance agents and carriers. Submitting the form is a request to be contacted with information about life insurance options. It is not an application for insurance, and it does not create, bind, or guarantee any insurance coverage. No coverage exists unless and until a policy is issued by an insurer and you accept it in writing, subject to that insurer's underwriting and terms.
3. Informational only; not professional advice
Content on the Site is for general informational purposes and is not legal, tax, financial, or individualized insurance advice. Quotes and figures are estimates that may change based on underwriting, the information you provide, and the insurer's final terms. You should confirm all details with a licensed agent before making decisions.
4. Contact consent
By submitting the form and checking the applicable consent boxes, you agree to be contacted as described in our Privacy Policy, including by phone, text, and email. Consent to marketing contact is not a condition of any purchase, and you may opt out at any time (reply STOP to texts, or call (646) 975-9432).
5. Your responsibilities
- Provide accurate, current, and complete information;
- Use the Site only for your own lawful, personal purposes;
- Do not submit another person's information without their permission;
- Do not attempt to disrupt, misuse, scrape, or gain unauthorized access to the Site.
6. Intellectual property
The Site and its content, including text, design, logos, and the Benita Insurance name, are owned by us or our licensors and are protected by law. You may not copy, reproduce, or distribute them without our written permission.
7. Third-party links and services
The Site may reference or link to third parties, including agents, carriers, and advertising platforms. We are not responsible for the content, products, or privacy practices of those third parties.
8. Disclaimer of warranties
The Site is provided "as is" and "as available" without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
9. Limitation of liability
To the fullest extent permitted by law, Benita Insurance and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising from your use of the Site or reliance on its content. Where liability cannot be excluded, it is limited to the amount you paid us to use the Site, which for the quote form is zero.
10. Indemnification
You agree to indemnify and hold harmless Benita Insurance from any claims, losses, or expenses arising out of your misuse of the Site or violation of these Terms.
11. Governing law
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, except where the law of your state of residence is required to apply to insurance-related matters. Any dispute will be resolved in the state or federal courts located in New York, unless the law of your state requires otherwise.
12. Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the effective date above. Your continued use of the Site after changes take effect means you accept the updated Terms.
13. Contact us
Benita Insurance
Email: info@benitainsurance.com
Phone: (646) 975-9432