Terms & Conditions
Effective date: March 2026
Acceptance of Terms
By accessing or using the Patriot American Benefits website, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, please do not use our website or services.
Description of Services
Patriot American Benefits provides insurance comparison and brokerage services, connecting individuals and families with life insurance and final expense coverage from our network of licensed insurance carriers.
Insurance Agency Disclosure
Patriot American Benefits is a licensed independent insurance agency. We do not underwrite insurance policies. All coverage is provided by our partner insurance carriers. Policy terms, conditions, and pricing are determined by the issuing carrier.
No Guarantee of Coverage
Submitting a form or speaking with an agent does not guarantee insurance coverage. All applications are subject to underwriting approval by the issuing insurance carrier. Coverage, terms, and premiums may vary based on individual circumstances.
Limitation of Liability
Patriot American Benefits shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our website or services. Our total liability shall not exceed the amount paid by you for our services, if any.
Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Patriot American Benefits and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.
Website Use
You agree to use our website for lawful purposes only. You may not use our site in any way that could damage, disable, or impair the website or interfere with other users' access.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of information on external sites. Visiting linked sites is at your own risk.
Governing Law
These terms shall be governed by and construed in accordance with the laws of the State of New Hampshire, without regard to conflict of law principles.
Contact Information
For questions about these terms, contact us at hello@patriotamericanbenefits.com, call (888) 550-7159, or write to Patriot American Benefits, 98 Spit Brook Road, Nashua, NH 03062.