These Terms of Service (“Terms”) govern your use of lifebenefitsadvocate.com (the “Site”), operated by Life Benefits Advocate, a brand of Based Lead Solutions (“we,” “us,” or “our”). By using the Site, you agree to these Terms and to our Privacy Policy.
The Site is a marketing and referral service that connects individuals interested in final expense life insurance with independent licensed insurance agents. We are not an insurance company, and we do not underwrite, issue, or sell insurance policies. All insurance products and services are provided exclusively by licensed insurance agents and the insurance carriers they represent. This Site is a solicitation for insurance.
Content on the Site is for general information only and is not insurance, financial, legal, or tax advice. Statistics shown (for example, funeral cost figures) come from third-party sources and are provided for context. Speak with a licensed agent about your specific situation.
Coverage and eligibility are not guaranteed. All applications are subject to the underwriting requirements of the issuing insurance carrier. Premiums, benefit amounts, waiting periods, and availability vary by state, age, gender, health, and carrier. Example prices (such as “plans starting around $1–$2 a day”) are illustrations, not quotes. Insurance plans may not be available in all states.
If you submit the form on the Site, you agree to be contacted as described in the consent language displayed with the form — by us and our partner licensed insurance agent(s), by phone call, text message, and email, including through automated technology and prerecorded or artificial voice messages. Consent is not a condition of purchase and may be revoked at any time.
You agree to provide accurate information, to submit requests only on your own behalf (or with the express permission of the person whose information you submit), and not to misuse, disrupt, copy, scrape, or reverse-engineer the Site.
The Site and its content (text, design, graphics, and code) are owned by us or our licensors and protected by applicable law. You may not reproduce or distribute them without our written permission.
The Site may link to or rely on third-party services (for example, Meta and Google, as described in the Privacy Policy). We are not responsible for third-party sites or services.
The Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the Site will be uninterrupted or error-free.
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. Our total liability for any claim related to the Site will not exceed one hundred dollars ($100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
We may update these Terms from time to time. The effective date above shows when they were last revised. Continued use of the Site after changes means you accept the updated Terms.
These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law principles.
Questions about these Terms: jkisinski1@gmail.com