Terms of Service
Last Updated: September 30, 2026 · Effective Date: September 30, 2026
These Terms of Service ("Terms") govern your use of this website (the "Site") and the services of ELITE INDUSTRY MARKETING LLC, operating as Elite Health Benefits ("we," "us," or "our"), an independent insurance agency run by Ramon Taylor, a licensed insurance advisor in the State of Illinois. By using this Site, requesting a quote, or communicating with us, you agree to these Terms.
1. Our Services
We help consumers compare, enroll in, and service health, Medicare, and supplemental insurance products. Quotes are estimates, not binding offers of coverage. Coverage is subject to carrier approval, underwriting, and the terms of the applicable policy.
2. No Insurance Contract Created by Use of This Site
Using this Site, submitting a form, or speaking with us does not create an insurance contract. No coverage exists until a carrier approves an application and issues a policy, and any required premium is paid.
3. Information Is for General Purposes Only
Content on this Site is provided for general informational purposes only and is not a substitute for individualized advice, a guarantee of coverage or premium, or tax, legal, or financial advice. Where the Site and a policy differ, the policy controls.
4. SMS/Text Messaging & TCPA Consent
By submitting the contact form, you may check a separate, unchecked box authorizing calls and text messages under the Telephone Consumer Protection Act ("TCPA"). The full consent text is preserved in our Privacy Policy and SMS Terms. Messages include customer care, account notifications, and marketing/promotional offers; message frequency varies; message and data rates may apply; consent is not a condition of purchase. No mobile information will be sold or shared with third parties or affiliates for marketing or promotional purposes. Reply STOP to opt out (HELP for help). All calls and texts are sent solely by ELITE INDUSTRY MARKETING LLC.
5. Eligibility & Acceptable Use
You must be at least 18 and provide accurate information. You agree not to use the Site unlawfully, submit false or fraudulent information, or submit another person's information without authorization.
6. Insurance Licensing
Ramon Taylor is licensed to sell insurance in the State of Illinois (NPN: 20768555) and solicits only in states where a valid license and appointment are held.
7. Intellectual Property
All content on this Site is owned by or licensed to ELITE INDUSTRY MARKETING LLC and may not be used without permission.
8. Disclaimer of Warranties
The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or uninterrupted operation.
9. Limitation of Liability
To the fullest extent permitted by law, ELITE INDUSTRY MARKETING LLC and Ramon Taylor will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services.
10. Governing Law
These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws principles.
11. Changes to These Terms
We may update these Terms from time to time. The "Last Updated" date above reflects the latest revision. Continued use after changes constitutes acceptance.
12. Contact
ELITE INDUSTRY MARKETING LLC (dba Elite Health Benefits)
Ramon Taylor, Independent Insurance Advisor
518 15th Avenue, Moline, IL 61265
Phone: 309-756-6100
Email: info@elitehealthbenefits.com