Effective Date: August 5, 2026

These Terms and Conditions (“Terms”) govern your use of hillinsuranceandbenefits.com (the “Website”), which is operated by Hill Insurance & Benefits (“we,” “us,” or “our”).

By accessing or using the Website, you agree to these Terms and our Privacy Policy. If you do not agree, please discontinue your use of the Website.

Informational Purpose

The Website provides general information about Medicare, life insurance, final expense insurance, and related insurance topics. Website content is provided for educational purposes and should not be considered legal, tax, financial, medical, or individualized insurance advice.

Insurance decisions should be based on your individual circumstances and the official terms of the applicable policy, plan, evidence of coverage, carrier documents, and enrollment materials.

No Guarantee of Coverage

Using the Website, submitting a contact form, or scheduling a consultation does not:

Create an agent-client relationship

Bind or activate insurance coverage

Constitute an insurance application or enrollment

Guarantee eligibility, approval, pricing, benefits, or coverage

Modify the terms of an existing policy or plan

Coverage becomes effective only after all applicable requirements have been satisfied and confirmation has been provided by the issuing insurance company or plan.

Do not cancel or replace existing insurance coverage until you receive confirmation that the new coverage has been approved and is in effect.

Insurance Products and Availability

Insurance product availability, benefits, premiums, eligibility, underwriting requirements, exclusions, limitations, provider networks, formularies, and service areas vary by state, carrier, product, plan, and individual circumstances.

Descriptions on the Website are general summaries. If Website information differs from official policy, contract, plan, or carrier documents, the official documents control.

Medicare Information

Hill Insurance & Benefits is not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in every area. The plans and organizations we represent may vary by location and contract status. Medicare beneficiaries may also contact Medicare.gov, 1-800-MEDICARE, or their local State Health Insurance Assistance Program to obtain information about available options.

Medicare plan benefits, costs, networks, formularies, and availability may change from year to year. Enrollment is subject to Medicare eligibility and applicable enrollment-period requirements.

Communications

By voluntarily submitting your contact information, you authorize Hill Insurance & Benefits to respond to your inquiry using the telephone number or email address you provided.

If you separately consent to receive text messages or marketing communications, message and data rates may apply. Consent to receive marketing communications is not a condition of purchasing insurance. You may request that promotional text messages stop by replying STOP.

You are responsible for providing accurate contact information and for updating us if that information changes.

Appointment Scheduling

Appointments are subject to availability and are not guaranteed until confirmed. We may need to reschedule or cancel an appointment due to unexpected circumstances. Scheduling a consultation does not obligate you to purchase insurance.

Acceptable Use

You agree not to:

Use the Website for unlawful, fraudulent, or misleading purposes

Attempt to gain unauthorized access to the Website or related systems

Introduce viruses, malicious code, or harmful technology

Interfere with the Website’s security or operation

Submit false information or impersonate another person

Copy, scrape, reproduce, or commercially exploit Website content without permission

Use the Website in a manner that infringes another person’s rights

We may restrict access to the Website when we reasonably believe these Terms have been violated.

Intellectual Property

Unless otherwise indicated, Website text, branding, layout, graphics, and other original content are owned by or licensed to Hill Insurance & Benefits and are protected by applicable intellectual-property laws.

You may view and print Website materials for personal, noncommercial use. No other use is permitted without prior written authorization.

Insurance carrier names, government program names, trademarks, and third-party materials remain the property of their respective owners. Their appearance does not imply endorsement unless expressly stated.

Third-Party Links and Services

The Website may contain links to third-party websites or use third-party scheduling, form, analytics, or communication services. We do not control and are not responsible for the availability, security, content, accuracy, or privacy practices of third-party services.

A link does not necessarily constitute our endorsement of the third party.

Website Availability and Accuracy

We make reasonable efforts to provide accurate and useful information, but Website content may occasionally be incomplete, outdated, or contain errors. We may update, remove, or modify Website content without notice.

We do not guarantee that the Website will always be available, uninterrupted, secure, or error-free.

Disclaimer of Warranties

To the fullest extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

Nothing in these Terms excludes warranties or protections that cannot legally be excluded.

Limitation of Liability

To the fullest extent permitted by applicable law, Hill Insurance & Benefits and its owner, agents, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Website.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

Indemnification

To the extent permitted by law, you agree to indemnify and hold Hill Insurance & Benefits harmless from claims, liabilities, losses, or expenses arising from your unlawful misuse of the Website or violation of these Terms.

Privacy

Your use of the Website is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles. Any dispute will be handled in a court of competent jurisdiction, subject to applicable law.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect. Failure to enforce a provision does not waive our right to enforce it later.

Changes to These Terms

We may update these Terms periodically. Updated Terms will be posted on this page with a revised effective date. Continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms may be directed to:

Hill Insurance & Benefits
Kerry Hill, Licensed Insurance Agent
NPN: 21048742
Email: [email protected]
Telephone: (706) 201-9678
Serving individuals and families in Georgia and Texas