Last updated: April 16, 2026
Welcome to Benefits Life. These Terms of Service (the "Terms") govern your access to and use of the Benefits Life website at benefitslife.com and related services operated by Benefits Life, Inc. ("Benefits Life," "we," "us," or "our").
By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use our website or services.
You may use our website for lawful purposes only. You agree not to:
Information on this website describing Benefits Life's agent contracting programs, services, and benefits is provided for informational purposes and is subject to the terms of separate agent contracts and carrier agreements.
Benefits we describe — including Open Release, 50% marketing co-op, Regus office co-op, MedicareSuite Elite access, Ramona CRM access, and carrier appointments — are available only to agents who complete our contracting process, execute applicable agreements, and maintain active licensure and E&O coverage in good standing.
Benefits Life reserves the right to accept or decline any agent application at our sole discretion. Participation in carrier appointments, co-op programs, and platform access is subject to carrier requirements, program rules, and ongoing compliance with our policies.
Marketing Co-Op Approval: All expenses submitted under the 50% Marketing Co-Op program require advance approval from Benefits Life. Unapproved expenses are not eligible for reimbursement.
The website and its content — including text, graphics, logos, images, software, and design — are the property of Benefits Life or its licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.
"Benefits Life," "MedicareSuite," "Ramona," "RamonaLite," "RamonaChat," "AgentHive," "MedicareAgents.com," and "PlanMatch" are trademarks or service marks of Benefits Life, Inc. or its affiliates. You may not use our trademarks without prior written consent.
You may view, download, and print content from our website solely for your personal, non-commercial use, provided you retain all copyright and proprietary notices.
Our website may contain links to third-party websites or services (including carriers, Regus, AgentHive, Jotform, and other platforms) that are not owned or controlled by Benefits Life. We are not responsible for the content, privacy practices, or operations of these third-party services.
Your interactions with any third-party service are governed by that third party's terms and policies. We encourage you to review those terms before using any third-party service linked from our website.
Informational only. The content on this website is provided for general informational purposes and is not intended as legal, tax, financial, medical, or regulatory advice. You should consult qualified professionals for advice specific to your circumstances.
Not affiliated with Medicare. This website is not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS), Medicare, or any government agency.
No guarantee of carrier appointments. Carrier appointments are subject to each carrier's independent underwriting, licensing, and appointment requirements, which are outside our control.
"As is" basis. The website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the website will be uninterrupted or error-free.
To the fullest extent permitted by law, Benefits Life and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or business interruption — arising out of or related to your use of the website or services, even if we have been advised of the possibility of such damages.
In no event shall our total liability exceed the amount you paid Benefits Life (if any) in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.
You agree to indemnify, defend, and hold harmless Benefits Life and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the website; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your violation of any applicable law or regulation.
These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict-of-law principles. Any dispute arising out of or related to these Terms or your use of the website shall be resolved exclusively in the state or federal courts located in Denver County, Colorado, and you consent to the personal jurisdiction of such courts.
We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or through a notice on our website. Your continued use of the website after changes take effect constitutes your acceptance of the revised Terms.
If you have questions about these Terms, please contact us:
1616 17th Street, Suite 464
Denver, CO 80202
Email: legal@benefitslife.com
Phone: 303-381-2222