Terms of Use

Last Updated: August 2026

Acceptance of Terms

By accessing or using this website, you agree to these Terms of Use.

Website Content

Information on this website is for general informational and educational purposes only and does not constitute legal, tax, investment, accounting, or insurance advice.

This website is provided “as is.”

We reserve the right to modify the website and policies.

Website Availability

We do not guarantee uninterrupted availability of this website.

No Professional Relationship

Visiting this website or submitting a Contact Us request does not establish an insurance broker-client relationship.

No Guarantee of Coverage

Insurance products, premiums, underwriting decisions, eligibility requirements, and benefits vary by carrier, state, and applicant. Even “guaranteed issue” products have restrictions on eligibility.

Intellectual Property

All website content is owned by Benefits & Planning Inc d/b/a Professional Benefits unless otherwise indicated.

Limitation of Liability

Professional Benefits shall not be liable for damages arising from use of this website.

Third-Party Links

External links are provided for convenience only.

Governing Law

These Terms are governed by Florida law, with venue in Sarasota County, Florida.