Terms of Use

Welcome to americastrustedbenefitsfinalexpense.com ("Company," "we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of our website, services, content, and tools (collectively, the "Services"). By using our Services, you agree to these Terms. If you do not agree, please do not use our Services.

1. Who We Are

America's Trusted Benefits provides information and access to licensed insurance agents who can help you explore final expense life insurance and related products. We do not provide medical, legal, or tax advice. Insurance coverage and availability vary by state and carrier.

2. Eligibility

To use our Services, you must:

• Be at least 18 years old.
• Reside in the United States.
• Use the Services for personal, non-commercial purposes.
• Agree to provide accurate, current, and complete information.

3. No Guarantee of Coverage

Use of our Services does not guarantee that you will qualify for any insurance policy. All insurance applications are subject to underwriting approval by the carrier. Premiums, benefits, and terms are determined solely by the issuing insurance company.

4. Privacy

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and safeguard your personal information. By using the Services, you consent to our data practices.

5. Prohibited Uses

You agree not to:

• Misrepresent your identity or provide false information.
• Use the Services for unlawful purposes.
• Attempt to interfere with or disrupt the website's security or functionality.
• Copy, reproduce, or exploit the Services for commercial gain without our permission.

6. Intellectual Property

All text, graphics, logos, images, and software on this site are owned or licensed by America's Trusted Benefits and protected by U.S. copyright, trademark, and intellectual property laws. You may not reproduce, distribute, or create derivative works without written consent.

7. Disclaimers

• The Services are provided "as is" and "as available."
• We make no warranties, express or implied, regarding accuracy, completeness, or availability.
• Insurance products are offered through licensed agents and approved carriers; we do not guarantee approval, coverage amounts, or rates.

8. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, special, or consequential damages arising from use of the Services.
• Our total liability for any claim shall not exceed $100 or the amount you paid us (if any), whichever is less.

9. Third-Party Links

Our site may link to third-party websites. We are not responsible for their content, practices, or privacy policies. Accessing third-party sites is at your own risk.

10. Communications

By submitting your information, you consent to be contacted by our licensed agents via phone, email, or SMS, even if you are on a federal or state Do-Not-Call registry. You may opt out at any time.

11. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law rules. Any disputes shall be resolved in the courts located in Delaware County, Ohio.

12. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a new "Last Updated" date. Continued use of our Services constitutes acceptance of changes.

13. Contact Us

If you have questions about these Terms, contact us at: