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.

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 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. (see below)

Agents & 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.

Through our robust marketing efforts, we generate inquiries from consumers nationwide, including those outside of our direct licensing jurisdiction.

To effectively serve these customers, we partner with licensed insurance producers in various states.

If you are a licensed insurance agent interested in receiving qualified leads, we invite you to contact us to learn more.

Our Commitment to Compliance and Ethical Practices

BenZen Insurance and its agents operate with the utmost integrity and in full compliance with all applicable state and federal regulations.

We understand and adhere to licensing requirements, ensuring that consumers receive guidance and services only from properly licensed professionals.

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