Welcome to BeneHub. By accessing benehub.com (the "Site"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Site.
1. About BeneHub
BeneHub is a licensed insurance agency. Nathan Schmidt (NPN: 6614648) is the principal licensed agent. BeneHub agency NPN: 21324782. Insurance products are offered through licensed agents and are subject to state licensing requirements, carrier underwriting, and plan availability.
2. No Insurance Coverage Until Issued
Submitting a quote request does not constitute an application, binder, or guarantee of coverage. Insurance coverage is only effective upon formal application, underwriting approval, premium payment, and issuance by the applicable carrier.
3. Accuracy of Information
You agree that all information you provide is true, accurate, and complete. Misrepresentation may void coverage or applications.
4. Limited Benefit Product Disclosure
The Allstate Select Dental PPO Copay 2 Plan is a LIMITED BENEFIT product. It does not provide comprehensive medical coverage. It does not meet the pediatric dental coverage level requirements of the Affordable Care Act. Pediatric dental coverage that meets ACA requirements may be purchased through your state marketplace.
5. Communications Consent
By submitting any form, you consent to be contacted by BeneHub and its licensed agents by phone, email, SMS, or mail regarding insurance products. See our TCPA Disclosure for full details.
6. Intellectual Property
All content, logos, trademarks, graphics, and software on the Site are owned by BeneHub or licensed to us. You may not reproduce, distribute, or create derivative works without written permission.
The Allstate name, logo, and related marks are trademarks of Allstate Insurance Company and are used with permission as an authorized producer.
7. Disclaimers
The Site is provided "as is." We make no warranties about availability, accuracy, or fitness for a particular purpose. Plan benefits, pricing, and availability are subject to change and carrier approval.
8. Limitation of Liability
To the maximum extent permitted by law, BeneHub's total liability to you shall not exceed $100 or the commissions earned from a policy you purchase through us, whichever is greater.
9. Indemnification
You agree to indemnify and hold harmless BeneHub, its agents, affiliates, and carriers from claims arising out of your use of the Site or violation of these Terms.
10. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. Disputes shall be resolved by binding arbitration in Florida, except where prohibited by law. You waive the right to a jury trial and to participate in class actions.
11. Changes
We may update these Terms at any time. Continued use after changes constitutes acceptance.
12. Contact
BeneHub
Email: legal@benehub.com