Terms of Service
Effective Date: May 21, 2026
Welcome to SeniorBenefitsHub.com (the “Website”), operated by Senior Benefits Hub, a service of Triangle Life & Health®, an independent insurance agency based in Raleigh, North Carolina (“we,” “us,” or “our”). By accessing or using this Website, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use this Website.
1. Services Overview
Senior Benefits Hub provides educational content, insurance plan comparisons, and connections to licensed insurance agents. We offer guidance on Medicare (including Medicare Advantage, Medigap, and Part D), ACA (Affordable Care Act) health insurance, final expense life insurance, term life insurance, and dental and vision plans. Our services are provided at no cost to you — we are compensated by insurance carriers when you enroll in a plan through us.
2. Not Government Affiliated
Senior Benefits Hub is not connected with or endorsed by the United States government or the federal Medicare program. We are a privately operated, independent insurance agency. Any information provided on this Website is for informational purposes and should not be construed as an official government communication.
3. Eligibility and Use
You must be at least 18 years of age to use this Website. By using this Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. You agree to use the Website only for lawful purposes and in accordance with these Terms.
4. Communications Consent
By submitting your contact information through any form on this Website, you consent to the following:
- To receive marketing and informational communications, including automated calls, text messages (SMS), artificial or pre-recorded voice messages, and emails from Senior Benefits Hub, our licensed agents, and affiliated insurance carriers.
- You understand that your consent is not a condition of purchasing any goods or services.
- You understand that standard message and data rates may apply for text messages and phone calls.
- You may revoke your consent at any time by contacting us at [email protected] or by calling (919) 689-6565. You may also reply STOP to any text message to opt out of SMS communications.
5. AI-Powered Assistant
This Website and our phone system may utilize artificial intelligence (AI) powered assistants to help answer your questions, schedule appointments, and provide general information. These AI assistants are designed to help route your inquiry to a licensed insurance agent. AI assistants do not provide insurance advice, make coverage recommendations, or enroll you in any plan. All insurance decisions and enrollments are handled by licensed, certified insurance agents.
6. No Insurance Advice
The content on this Website is provided for general informational and educational purposes only. It does not constitute insurance advice, financial advice, tax advice, or legal advice. Insurance plan availability, benefits, premiums, and eligibility vary by location, age, health status, and other factors. Always consult with a licensed insurance agent before making any insurance decisions. We make no guarantees about the accuracy, completeness, or timeliness of plan information displayed on this Website.
7. Medicare-Specific Disclaimers
If you are exploring Medicare options through this Website, please note:
- Speaking with a licensed agent will not obligate you to enroll in any plan.
- A consultation will not affect your current enrollment in any Medicare plan.
- We will not enroll you in a Medicare plan without your explicit, informed consent.
- Medicare has an Annual Enrollment Period (October 15 – December 7), an Open Enrollment Period (January 1 – March 31), and Special Enrollment Periods triggered by qualifying life events. Our agents can help you understand which periods apply to your situation.
8. Intellectual Property
All content on this Website — including text, graphics, logos, images, icons, and software — is the property of Senior Benefits Hub or Triangle Life & Health® and is protected by United States copyright, trademark, and other intellectual property laws. The Senior Benefits Hub name and logo, and the Triangle Life & Health® name, logo, and shield design are trademarks or registered trademarks. You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written consent.
9. User Submissions
Any information you submit through this Website (including but not limited to contact forms, appointment requests, and live chat) is subject to our Privacy Policy. You represent that any information you provide is accurate and truthful. You are responsible for maintaining the confidentiality of any account credentials associated with your use of our services.
10. Third-Party Links and Services
This Website may contain links to third-party websites, services, or resources that are not owned or controlled by Senior Benefits Hub. We are not responsible for the content, privacy policies, or practices of any third-party websites. Links to external sites do not constitute an endorsement of those sites or their content. We encourage you to review the terms and privacy policies of any third-party site you visit.
11. Website Analytics and Data Collection
We use cookies, analytics tools, and tracking technologies — including Microsoft Clarity, Google Analytics, Meta Pixel, HubSpot, and CallRail — to collect information about your browsing activity. This data is used to improve our services, customize your experience, and measure the effectiveness of our marketing efforts. By continuing to use this Website, you consent to the collection and use of your information as described in our Privacy Policy.
We improve our products and advertising by using Microsoft Clarity to see how you use our website. By using our site, you agree that we and Microsoft can collect and use this data. Our Privacy Policy has more details.
12. Disclaimers and Limitation of Liability
THIS WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SENIOR BENEFITS HUB DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
IN NO EVENT SHALL SENIOR BENEFITS HUB, TRIANGLE LIFE & HEALTH®, OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.
13. Indemnification
You agree to indemnify, defend, and hold harmless Senior Benefits Hub, Triangle Life & Health®, and their respective officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of this Website, your violation of these Terms, or your violation of any rights of a third party.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Wake County, North Carolina, and you consent to the personal jurisdiction of such courts.
15. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will become effective immediately upon posting to this Website. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
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. Contact Information
If you have questions about these Terms of Service, please contact us:
Senior Benefits Hub
A service of Triangle Life & Health®
Raleigh, North Carolina
Phone: (919) 689-6565
Email: [email protected]
Website: SeniorBenefitsHub.com
Last Updated: May 21, 2026