Effective Date: 08/14/2026
These Terms of Use (“Terms”) govern your use of the Insurance Benefits Consultants (“IBC,” “we,” “us,” or “our”) website. By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the site.
The content on this website is provided for general informational purposes about insurance products and services. It is not insurance advice, a recommendation, or an offer or contract of insurance. Nothing on this website binds coverage or guarantees eligibility, availability, or pricing.
Requesting a quote or submitting a form does not create, bind, or change any insurance coverage. Coverage exists only when a policy is issued by the insurance carrier and confirmed in writing. Quotes are estimates based on the information provided and are subject to carrier underwriting and approval; actual coverage, terms, and premiums are governed solely by the issued policy.
IBC is a licensed independent insurance agency. We offer products and services only in states where we are licensed and appointed — currently Missouri, Arkansas, Oklahoma, and Kansas. Availability of specific products varies by state and carrier.
If you submit information through the site (for example, for a quote, a claim inquiry, or a newsletter signup), you agree to provide accurate and complete information. You authorize us to contact you using the contact information and preferences you provide, including by phone, email, and — where you consent — text message.
Website content is not legal, tax, medical, or financial advice. For advice about your specific situation, contact us or a qualified professional.
The content, logos, and materials on this website are owned by or licensed to IBC and are protected by applicable law. You may view and use the site for your personal, non-commercial purposes; you may not copy, reproduce, or distribute site content without our permission.
This site may link to third-party websites and tools we do not control, including Medicare.gov, the Social Security Administration, insurance carrier sites, our client service center (EZLynx), and Employee Navigator. We provide these for your convenience and are not responsible for their content, availability, or practices.
Consent, message-and-data-rate, and opt-out terms for text messaging are described in our Privacy Policy. Reply STOP to opt out and HELP for help.
The website is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. We do not warrant that the site will be uninterrupted or error-free.
To the fullest extent permitted by law, IBC is not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this website. Your reliance on any website content is at your own risk.
These Terms are governed by the laws of the State of Missouri, without regard to conflict-of-law rules.
We may update these Terms from time to time. Changes are effective when posted, as shown by the “Effective Date” above.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not connected with or endorsed by the U.S. Government or the federal Medicare program.
Insurance Benefits Consultants — 1009 S. Neosho Blvd., Neosho, MO 64850 — (417) 355-2523 — customercare@ibcneosho.com
