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Terms and Conditions

Alara Benefits
Terms And Conditions

These Terms and Conditions (“Terms”) govern your use of our website, www.alarabenefits.com  and the services offered through it, including Digital Will Insurance, Mortgage Protection Coverage, IUL Insurance, Life Insurance, and Final Expense Coverage.
By using our Site or Services, you agree to these Terms And Conditions. If you do not agree, please stop using the Site immediately.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use our Site and Services. By accessing our Site, you confirm that you meet these requirements.

2. Our Services

Alara Benefits provides digital access to information and connections related to various insurance options.
We do not underwrite or issue insurance policies. Coverage, rates, and terms are determined solely by the respective licensed insurance providers or agencies we work with.
While we strive for accuracy, we do not guarantee that all information, pricing, or product details on the Site are complete, current, or error-free.

3. User Responsibilities

By using our Site, you agree to:

  • Provide truthful and accurate information in all forms or submissions.

  • Use the Site only for lawful purposes.

  • Not attempt to disrupt, damage, or interfere with Site operations.

  • Refrain from copying, distributing, or modifying Site materials without written authorization.

We reserve the right to restrict or terminate access to the Site or Services if you violate these Terms.

4. No Financial or Legal Advice

All content and materials provided are for general informational purposes only. Nothing on this Site constitutes financial, legal, or tax advice.
You should consult licensed professionals before making any insurance, financial, or legal decisions. Alara Benefits assumes no liability for actions taken based on Site content.

5. Intellectual Property

All materials on the Site including text, images, graphics, logos, and design are owned by or licensed to Alara Benefits and protected by U.S. and international copyright, trademark, and intellectual-property laws.
You may view and download content for personal, non-commercial use only. Any reproduction, modification, or distribution without permission is prohibited.

6. Third-Party Links and Partners

The Site may contain links to third-party websites or services. These are provided for convenience only.
We do not control or endorse any third-party content, products, or services, and are not responsible for their availability, accuracy, or practices.
Any transactions, communications, or disputes with third-party providers are solely between you and the provider.

7. Privacy

Your use of this Site is governed by our Privacy Policy, which explains how we collect, use, and protect personal information. By using the Site, you consent to our data practices as described therein.

8. Limitation of Liability

To the fullest extent permitted by law, Alara Benefits, its officers, employees, affiliates, and partners are not liable for any indirect, incidental, consequential, or punitive damages arising from your use or inability to use the Site or Services.
We are not responsible for errors, delays, interruptions, or inaccuracies caused by third-party data or technical issues.Your use of this Site is governed by our Privacy Policy, which explains how we collect, use, and protect personal information. By using the Site, you consent to our data practices as described therein.

9. Disclaimer of Warranties

The Site and all Services are provided as is available.
We make no warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, or non-infringement.
We do not warrant that the Site will always be secure, error-free, or uninterrupted.

10. Indemnification

You agree to indemnify, defend, and hold harmless Alara Benefits, its affiliates, officers, and employees from any claims, liabilities, losses, or expenses (including reasonable attorney’s fees) arising out of your use of the Site, violation of these Terms, or infringement of any third-party rights.

11. Governing Law

These Terms are governed by the laws of the United States, without regard to conflict-of-law principles.
You agree to submit to the exclusive jurisdiction of the state and federal courts located for any disputes arising from or related to these Terms.

12. Termination

We may suspend or terminate your access to the Site or Services at any time, without notice, if we believe you have violated these Terms or engaged in behavior harmful to the Company, users, or partners.

13. Updates to These Terms

We may revise these Terms at any time. Updated versions will be posted on this page with a new “Last Updated” date. Continued use of the Site after changes are posted means you accept the revised Terms.

14. Entire Agreement

These Terms constitute the entire agreement between you and Alara Benefits regarding use of the Site and Services and supersede all prior agreements or understandings, whether written or oral.

15. Contact Information

If you have questions or concerns about these Terms, please contact:

Phone:  +1(800) 286-6949

Website: www.alarabenefits.com

Your access to and use of this website signifies your agreement to comply with these Terms and Conditions.

Alara Benefits is committed to maintaining transparency, integrity, and compliance in all our services.