Terms of Use

Last updated: August 14, 2026

By accessing https://whatislivingbenefits.com (the “Site”), you agree to these Terms of Use. If you do not agree, please do not use the Site.

Educational content only

The Site provides general educational information about life insurance and living benefits. Nothing on the Site is insurance, legal, tax, investment, or medical advice, and nothing on the Site is an offer to sell or a solicitation to buy any specific insurance product. Product features, definitions, availability, and rules vary by insurer, product, and state and change over time. Always review actual policy documents and consult licensed professionals before making decisions.

No client relationship

Reading the Site does not create an agent-client relationship. Insurance can only be applied for through a licensed agent and issued by an insurance company following its underwriting process.

Accuracy

We work hard to keep content accurate and current, but we make no warranties, express or implied, about completeness, accuracy, or fitness for a particular purpose. Statistics cited on the Site come from publicly available sources believed reliable as of their publication dates.

Third-party names and links

Carrier names, including National Life Group and its member companies, are the property of their respective owners and are used for identification and education. This Site is independently operated and is not affiliated with, endorsed by, or sponsored by any carrier it discusses. Links to third-party websites are provided for convenience; we are not responsible for their content.

Acceptable use

You agree not to misuse the Site — including scraping at disruptive volume, attempting to breach security, submitting false information through forms, or using the Site for unlawful purposes.

Intellectual property

The Site's original content, design, and branding are owned by What Is Living Benefits and protected by copyright. You may share links and brief quotations with attribution; wholesale reproduction requires written permission.

Limitation of liability

To the maximum extent permitted by law, What Is Living Benefits and its operators are not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content.

Changes

We may revise these terms at any time by updating this page. Continued use of the Site after changes constitutes acceptance.

Contact

Questions? Email [email protected] or call (800) 555-0199.