Last updated: August 2026
1. Acceptance
By accessing or using seniorbenefitscentral.com (the "Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site.
2. What the Site is
The Site is an advertising and marketing website, owned and operated by Adcentral LLC, that publishes general consumer information about final expense life insurance alongside third-party advertising. We are compensated by advertisers and affiliate partners, including for clicks, calls, and form submissions generated through the Site. Senior Benefits Central is not an insurance company, insurance agency, insurance producer, agent, or broker, holds no insurance license in any state, and does not itself sell insurance. The Site is not affiliated with, endorsed by, or approved by any government agency or program. See our disclosures.
3. No advice; no offer or solicitation
Content on the Site is general information only. It is not insurance, financial, investment, tax, or legal advice, and is not a recommendation or endorsement of any insurer, agent, product, or course of action. Nothing on the Site is an offer to sell or a solicitation of an offer to buy any insurance product. No professional relationship of any kind is created by use of the Site. Consult a licensed insurance professional in your state, and other qualified professionals as appropriate, before making any decision.
4. No guarantees
We make no guarantee of eligibility for, approval of, availability of, cost of, or benefits under any insurance product. Product terms, availability, exclusions, waiting periods, and premiums vary by insurer, state, and applicant and are subject to underwriting and change. Only a policy contract issued by an insurer governs coverage, and that contract controls over anything stated on the Site.
5. Accuracy
We aim for accuracy but do not warrant that Site content is accurate, complete, current, or suitable for any particular purpose. Content may become out of date. Use of and reliance on the Site is at your own risk.
6. Advertising and affiliate compensation
The Site is supported by advertising and affiliate arrangements and may receive compensation in connection with clicks, calls, and form submissions generated through the Site, at no cost to you. Such compensation affects which offers appear on the Site and how prominently. Details are in our disclosures.
7. Third-party links and content
The Site links to third-party websites and may display third-party advertising. We do not control and are not responsible for third-party content, products, services, accuracy, availability, or privacy practices. A link or advertisement is not an endorsement, and any dealings with a third party are solely between you and that third party.
8. Acceptable use
You agree not to use the Site unlawfully; to attempt to gain unauthorized access to the Site or its systems; to interfere with or disrupt the Site; to use automated means to scrape or harvest content beyond ordinary search-engine indexing; to introduce malicious code; or to misrepresent yourself as affiliated with Senior Benefits Central.
9. Intellectual property
Site content, including text, design, and layout, is owned by Senior Benefits Central or its licensors and protected by applicable law. You may view, download, and print pages for personal, non-commercial use. Any other reproduction, republication, or distribution requires prior written permission. Third-party names and marks mentioned are the property of their respective owners, and their mention implies no affiliation or endorsement.
10. Disclaimer of warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY AS TO ACCURACY OR UNINTERRUPTED AVAILABILITY, TO THE FULLEST EXTENT PERMITTED BY LAW.
11. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SENIOR BENEFITS CENTRAL AND ITS OPERATORS, CONTRIBUTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO USE OF OR INABILITY TO USE THE SITE OR ANY CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you; in such cases liability is limited to the greatest extent permitted by law.
12. Indemnification
You agree to indemnify and hold harmless Senior Benefits Central and its operators from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site or your violation of these Terms.
13. Changes
We may modify the Site or these Terms at any time. Changes take effect when posted on this page. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
14. Governing law
These Terms are governed by the laws of the United States and of the state in which the Site's operator is located, without regard to conflict-of-laws principles. Nothing in these Terms limits any rights you may have under mandatory consumer protection laws of your state of residence.
15. Severability
If any provision of these Terms is held unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force.
16. Contact
Questions about these Terms: contact@seniorbenefitscentral.com.