Disclosure & Terms

How we do 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. “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, 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.

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 they do business and We cannot discount or increase those rates. Any commission paid to us is paid by the carrier out of their pocket.

Thanks in advance.

If you find our articles and reviews to be helpful and are interested in any of our plans or products, please consider visiting our partners through their affiliate links.

Rest assured, you won’t pay more, you get promotional pricing whenever it’s made available and your support will enable us to produce more quality content.

Advertising and Affiliate Marketing

This Website is supported by its readers and any compensation received allows us to continue offering our free Service and pay for content.

In addition to selling insurance plans, We also participate in affiliate marketing programs for additional revenue. Generally on this Website, We endorse or review products and services related to business such as insurance, finance, legal, benefits, and technology.

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.

Our review process is based on data analysis. We use four types of research: primary, secondary, qualitative, and quantitative. This mixed method approach allows Us to make product recommendations with some authority and choose partners that meet our standards. This method is the basis of Our decision-making process.

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

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

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:

District of Columbia (2951820), Florida (W880239), Georgia (3569316), Maryland (2073731), Michigan (16365557), Mississippi (10998079), 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 or agencies in our network that hold active licensing in the applicant’s respective state.

Insurance Partners

We are currently appointed with the following carriers to solicit, market, and sell insurance policies:

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

Contact Info

HealthBenefits, LLC
BenZen Insurance
1301 York Road
Lutherville, MD 21093
888-282-1843