Terms & Conditions

By visiting this website, completing the coverage quiz, or scheduling a consultation, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree with these terms, please do not use this website or submit the form.

Purpose of this website

This website is a private insurance marketing page operated by AO American Benefits, powered by USA Benefits Group (USABG), on behalf of Samuel Alexander Seibert with AO American Benefits (powered by USA Benefits Group). Its purpose is to share general educational information about private health and life insurance options and allow you to request a one-on-one conversation with a licensed insurance agent. This site is not a government website, is not the Health Insurance Marketplace (HealthCare.gov) or any state exchange, and is not affiliated with or endorsed by any federal or state government agency.

Not an offer, quote, or guarantee of coverage

This website constitutes a solicitation of insurance, and inquiries are handled by licensed insurance agents/producers. Nothing on this site is an insurance contract, binder, formal rate quote, or guarantee of eligibility. Completing the quiz or booking a call does not enroll you in any plan or obligate you to buy anything.

AO American Benefits focuses on private health coverage options rather than ACA Marketplace plans. Private plans may not be Qualified Health Plans under the Affordable Care Act, may be subject to medical underwriting, and may exclude or limit coverage for pre-existing conditions. Not every applicant qualifies. Plan availability, network access, deductibles, benefits, exclusions, and monthly premiums depend on your state of residence, the issuing insurance carrier, underwriting approval, and the terms of the actual policy issued by the carrier, which always govern over any summary on this site.

No cost or obligation to compare

Taking the coverage quiz and speaking with Samuel Alexander Seibert to compare plan options is completely free. You are under no obligation to apply for or purchase any insurance policy.

Accuracy of the information you submit

When you fill out the quiz or book a call, you confirm that the information you provide is truthful, accurate, and submitted on your own behalf (or on behalf of your immediate household or business). Because private health carriers evaluate age, location, household composition, and health history during underwriting, inaccurate or incomplete answers can change which plans or rates are available to you.

Consent to calls, text messages, and emails

To submit the quiz, you must actively check the single consent box on the contact step (the box is never pre-checked). By checking that box, you provide express consent to receive phone calls, text messages (SMS), and emails from AO American Benefits and Samuel Alexander Seibert (powered by USA Benefits Group) at the phone number and email address you entered. This includes both marketing messages about insurance coverage options and offers and non-marketing messages such as appointment confirmations, reminders, scheduling updates, and follow-ups on your inquiry.

Communications may be delivered using automated dialing systems, prerecorded or artificial voice messages, or automated text messaging technology. Consent is not required as a condition of purchasing any insurance product or service. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to opt out of text messages at any time. You may also opt out of phone calls or emails at any time by letting your advisor know. Wireless carriers are not liable for delayed or undelivered messages.

No medical, legal, tax, or financial advice

Information presented on this website is intended for general informational purposes only and should not be taken as medical, legal, tax, or personalized financial advice. Always consult a qualified physician, attorney, tax advisor, or licensed insurance professional regarding your specific circumstances before making coverage or healthcare decisions.

Third-party carriers and external links

Insurance policies discussed during your consultation are underwritten and issued by independent third-party insurance carriers, not by AO American Benefits directly. We are not responsible for the content, availability, or privacy practices of external websites or third-party scheduling and carrier portals linked from this page.

Intellectual property

All text, branding, design elements, graphics, and quiz materials on this website are the property of AO American Benefits, USA Benefits Group, or their licensors and may not be copied, reproduced, republished, or used for commercial purposes without prior written permission.

Disclaimer of warranties and limitation of liability

This website and its contents are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, AO American Benefits, USA Benefits Group, and its licensed advisors shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of, or inability to use, this website.

Changes to these terms

We may update these Terms & Conditions from time to time. The most current version will always appear on this page along with its effective date.

Contact information

Questions about these Terms & Conditions can be directed to Samuel Alexander Seibert at alexseibert321@gmail.com. For details on how we handle personal and mobile information, please see our Privacy Policy.