Living Benefits Center

Terms of Service

Last Updated: March 30, 2026

Consent to Contact

By submitting your information through this website, application, or any associated form, you expressly consent to be contacted by Living Benefits Center and its licensed representatives. Contact may be made through phone calls, text messages (SMS), email, and voicemail, using either automated or manual communication methods.

These communications may be used for purposes including, but not limited to, responding to your inquiry, scheduling consultations, providing eligibility updates, and delivering information regarding available living benefits insurance options and related services. Standard message and data rates may apply.

SMS Communication

By opting in to receive text messages, you agree to receive SMS communications related to your inquiry, consultation, or requested services. Message frequency may vary depending on your engagement and service needs.

You may opt out of receiving SMS messages at any time by replying “STOP.” For assistance, you may reply “HELP.” Your consent to receive SMS communications is not a condition of purchase or eligibility for any services.

Email Communication

By providing your contact information, you consent to receive email communications from Living Benefits Center. These emails may include responses to your inquiries, consultation confirmations, educational materials, updates regarding your request, and relevant service or promotional information.

You may unsubscribe from email communications at any time by clicking the unsubscribe link included in any email.

Accuracy of Information

You agree that all information submitted through this website or related forms is true, accurate, and complete to the best of your knowledge. Submission of false, misleading, or incomplete information may affect your eligibility for services, consultation, or coverage recommendations.

Independent Professional Services Notice

Living Benefits Center connects individuals with licensed insurance professionals and specialists. Submission of your information does not guarantee approval, qualification, or issuance of any insurance policy or financial product.

All recommendations and services are provided by independent licensed professionals, and outcomes may vary based on underwriting, carrier guidelines, and individual eligibility.

Privacy and Use of Information

Your personal information will be used solely for the purpose of providing insurance-related services, consultation scheduling, follow-up communication, and related support functions. Living Benefits Center does not sell your personal information. Information may be shared only with licensed professionals and trusted service providers necessary to fulfill your request.

No Guarantee of Results

Living Benefits Center does not guarantee any specific outcome, including but not limited to approval for coverage, benefit amounts, pricing, underwriting results, or financial outcomes. All results are dependent on individual circumstances, carrier guidelines, and professional evaluation.

Agreement

By submitting your information, you acknowledge that you have read, understood, and agree to these Terms of Service. You also confirm your consent to be contacted as outlined above and understand that participation is voluntary and not required for purchase or obligation.

© 2026 Living Benefits Center. All rights reserved.

Living Benefits Center is operated by Spencer Financial Group. Coverage availability varies by state and policy terms.

Privacy Policy | Terms of Services