Disclosure & Terms

Our Business

The Federal Trade Commission strives to ensure that “products and services are described truthfully online.” The FTC protects consumers by enforcing standards of disclosure for business endorsements and transactions online. This is our statement.

Terms of Use

“Company” (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Theodore “Ted” McNeil and HealthBenefits, LLC dba BenZen Insurance & BenZen Health. “Service” refers to the Website. “Terms of Use” (also referred as “Terms”) mean these Terms of Use that form the entire agreement between you and the Company regarding the use of the Service. “Website” refers to healthbenefitsllc.com, benzeninsurance.com, benzenhealth.com, getbenzen.com or any website of ours that links to this page.

Using our Service means you accept the conditions that apply to all visitors. By continuing to use our service you represent that you are over the age of 18.

Our Service is free to use. We provide education, reviews, and quoting services at no cost. At times we may allow users to post comments. We are not responsible for the content of users, but reserve the right to remove content at any time.

We respect the intellectual property rights of others and will respond to any claim that content posted on our website infringes a copyright or other intellectual property infringement of any person.

Our Website and its original content, features, and functionality are and will remain our exclusive property. Our Website is protected by copyright, trademark, and other laws of the United States. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of our company.

Advertising and Affiliate Marketing

In addition to selling insurance plans, We also participate in several affiliate marketing programs. Generally, We endorse or review products and services related to health, insurance, finance, nutrition & lifestyle.

We may include affiliate links to related products and services on this Website. In other words, if you click a link or make a purchase We receive compensation from a partner at no additional cost to you.

When an affiliate link or advertisement exists on a page we will add a notice and link back to this Disclosure.

We reserve the right to join or terminate affiliate programs at will.

Amazon Program Specific Disclosure: “As an Amazon Associate we earn from qualifying purchases.”

Compensation

While our Website and Service are free to use, We are a for-profit business. We provide information on insurance, health, and financial products, write reviews and create content at no cost to consumers.

As a licensed insurance agency, We act as an agent and work with multiple carriers. When you request a quote or apply for coverage you may be transferred by a link to our partner’s website to complete that transaction. We may get paid a commission from our partners that does not affect the final price to the consumer.

Your privacy is our priority. We don’t share personal information or collect credit card information, ensuring a safe and secure experience.

We do not collect premiums or any payment from consumers or charge any additional broker fees to use our Service. No commissions are paid to us directly by consumers and no commissions are paid to us for partial or incomplete transactions.

Insurance companies file rates in the states where they do business and our agents & brokers cannot modify those rates. Any commission paid to us is paid by the carrier out of their pocket, not the client.

Licensing

Anyone giving advice or trying to sell insurance is required to be licensed in the state they do business. HealthBenefits, LLC is a Maryland Limited Liability Company, independent agency, and licensed health & life insurance entity NPN# 20431054. Principal Agent, Theodore “Ted” McNeil is a licensed insurance producer NPN# 16365557 currently registered with Health, Accident, and Life lines of authority in:

Florida (W880239), Georgia (3569316), Maryland (2073731), New Jersey (3003428106), North Carolina (16365557), Pennsylvania (1170726), South Carolina (16365557), Tennessee (3002756090), Texas (2964351), Virginia (814706)

We do not intentionally solicit or try to sell insurance outside our jurisdiction but service all states.

Outside Our jurisdiction, we may partner with agents holding active licensing in the applicant’s respective state.

Brokers

Stop the insanity of outdated business models! We’re a tech-forward, inbound agency streamlining the insurance experience for our clients — and our purpose-driven team.

BenZen Insurance is a registered trademark allowing you to expand and protect your territory to thrive in a customer-focused environment using AI to help you work smarter, not harder.

Experienced brokers (3+ years health & accident) should inquire about licensing opportunities:

Insurance Partners

We are currently appointed or contracted with the following companies & carriers to solicit, market, and sell insurance policies (subject to change):

Aetna Insurance
Allstate Benefits
Ambetter Health
American International Group (AIG)
Ameritas Life Insurance Company
Anthem Blue Cross Blue Shield
Aspida Life Insurance
Banner Life Insurance Company (Legal & General)
Cigna
Delta Dental
Ethos Life Insurance
EyeMed Insurance
Foresters Financial
HealthSherpa
Highmark
Independence Blue Cross
Kaiser Permamente
MetLife
Mutual of Omaha
Oscar
Plum Life Insurance
Policygenius
Principal Insurance
Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI)
Sentara Health
UnitedHealthcare
VSP Vision