StatewideSeniorBenefits.com Effective Date: March 14, 2026

1. Acceptance of Terms

By accessing or using StatewideSeniorBenefits.com (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors and users of the Site.

2. Description of Services

StatewideSeniorBenefits.com is a lead generation and referral website that connects consumers seeking information about life insurance, final expense insurance, Medicare, and related insurance products with licensed insurance agents, brokers, and carriers ("Insurance Professionals").

We are not an insurance company, insurance agency, or licensed insurance agent. We do not sell, underwrite, or bind insurance coverage. We do not provide insurance quotes, insurance advice, or recommendations regarding specific insurance products or carriers. Any insurance products discussed on this Site are illustrative only.

3. No Insurance Advice

Nothing on this Site constitutes insurance, financial, legal, or medical advice. All information provided is for general informational purposes only. You should consult a licensed insurance professional in your state before making any decisions regarding insurance coverage.

4. Lead Submission and Contact Consent

By submitting your information through any form on this Site, you:

(a) Acknowledge that your information will be shared with one or more licensed Insurance Professionals who may contact you about insurance products and services;

(b) Expressly consent to be contacted by StatewideSeniorBenefits.com and/or Insurance Professionals at any phone number or email address you provide, including via live calls, automated telephone dialing systems, pre-recorded messages, artificial voice messages, SMS/MMS text messages, and email — even if your number is listed on a state or national Do Not Call registry;

(c) Understand that your consent to be contacted is not a condition of purchasing any product or service;

(d) Acknowledge that you may be contacted by multiple Insurance Professionals simultaneously, and that we are not responsible for the representations, conduct, or services of any Insurance Professional who contacts you;

(e) Confirm that you are at least 18 years of age and a resident of the United States.

5. No Guarantee of Services or Coverage

Submission of your information through this Site does not guarantee that you will be contacted by an Insurance Professional, qualify for any insurance product, or receive a quote. We make no guarantees regarding the availability, pricing, or terms of any insurance product.

6. Third-Party Insurance Professionals

We are not responsible for the actions, representations, or services of any Insurance Professional to whom your information is referred. Your relationship with any Insurance Professional is solely between you and that professional. We do not endorse, recommend, or warrant any Insurance Professional connected through this Site.

7. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any form on this Site. You represent that you are the individual whose information you are submitting and that you have the authority to consent to the terms herein on your own behalf.

8. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Statewide Senior Benefits or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

9. Disclaimer of Warranties

THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STATEWIDE SENIOR BENEFITS, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE, ANY FORM SUBMISSION, OR ANY CONTACT BY AN INSURANCE PROFESSIONAL — INCLUDING BUT NOT LIMITED TO LOSS OF DATA, REVENUE, OR GOODWILL — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless Statewide Senior Benefits, its owners, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site; (b) your submission of inaccurate or false information; (c) your violation of these Terms; or (d) your violation of any applicable law or regulation.

12. External Links

This Site may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those sites. We have no control over the content or practices of third-party sites and accept no responsibility for them. Your use of any third-party site is at your own risk.

13. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data collection and sharing practices.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Site after any modifications constitutes your acceptance of the updated Terms.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Maryland, and you hereby consent to personal jurisdiction in those courts.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Statewide Senior Benefits with respect to your use of this Site and supersede all prior agreements and understandings.

Contact Us

Statewide Senior Benefits Email: [email protected] Website: StatewideSeniorBenefits.com