Effective Date: December 1, 2025
Elite Benefit Advisors LLC, doing business as Elite Benefits Direct (“Elite Benefits Direct,” “we,” “our,” or “us”), provides insurance brokerage services and access to related benefit products. By using this website or any services offered by Elite Benefits Direct, you agree to these Terms & Conditions.
Agency Role
Elite Benefits Direct is a licensed insurance agency. We offer insurance products in approved states and provide access to non-insurance benefit programs, lifestyle benefits, savings tools, and third-party non-insurance offerings. We are not the insurer, plan administrator, underwriter, or claims-paying entity for any product referenced or marketed.
All plan administration, eligibility decisions, underwriting processes, claims handling, and customer service functions for insurance and non-insurance products are performed directly by the applicable carrier, administrator, or product provider.
Recommendations or guidance regarding insurance products are provided only by licensed agents operating under Elite Benefit Advisors LLC.
No Guarantee of Coverage or Eligilibity
Information on this site is for general educational purposes. Product availability, eligibility, pricing, underwriting decisions, and enrollment outcomes are determined solely by the applicable insurance carrier or product provider. Elite Benefits Direct does not guarantee approval for any insurance or non-insurance product.
Non-insurance programs do not provide medical or health insurance coverage and are optional offerings provided by third-party vendors.
Use of Website
By accessing this website, you agree not to misuse, modify, or interfere with its functionality. Elite Benefits Direct is not responsible for interruptions, inaccuracies, or technical issues affecting site accessibility.
Third Party Links
This website may contain links to third-party websites, enrollment platforms, or service providers. These external sites operate under their own terms and privacy policies. Elite Benefits Direct is not responsible for the accuracy, content, security, or practices of third-party websites.
Intellectual Property
All content on this website—including text, graphics, logos, design elements, and digital assets—is the property of Elite Benefit Advisors LLC or is used with permission. Content may not be copied, reproduced, modified, or distributed without written consent.
Compensation Disclosure
Elite Benefits Direct may receive commissions or compensation from insurance carriers, third-party administrators, or non-insurance program providers for marketing, referral, or enrollment-related activities. Compensation does not increase the cost of coverage or services to consumers.
Limitation of Liability
All information and services provided by Elite Benefits Direct are offered “as is” without warranties of any kind, either express or implied. We are not liable for indirect, incidental, special, or consequential damages resulting from the use of this website or reliance on any information provided.
We do not warrant that:
The website will operate without interruption
The website or its content will be error-free, complete, current, or suitable for any particular purpose
Users are responsible for verifying the accuracy of plan details with the applicable carrier or provider.
Governing Law
These Terms are governed by the laws of the State of Georgia. Any dispute arising under these Terms shall be resolved exclusively in the appropriate courts or arbitration forums within the State of Georgia.
Changes to Terms
Elite Benefits Direct may update or modify these Terms at any time. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.