Website Terms of Use

By accessing or using keygroupbenefit.com, you agree to these Website Terms of Use and our Privacy Policy. If you do not agree, please do not use the website. You must use this website only for lawful purposes.

Website content is provided for general educational and informational purposes. It is not a complete description of any insurance policy, benefit plan, exclusion, condition, limit, or endorsement and is not legal, tax, investment, medical, or other professional advice.

Insurance needs vary. Any recommendation or coverage discussion must be based on the facts of your situation and the terms of the actual policy or plan documents.

Submitting a form, requesting a quote, sending an email, leaving a voicemail, or otherwise contacting us through this website does not create an insurance contract, bind or modify coverage, add an insured, change a beneficiary, report a claim, or cancel a policy.

Coverage is not effective unless and until it is confirmed in writing by an authorized representative and all applicable carrier, underwriting, application, signature, and payment requirements have been satisfied.

Any quote, estimate, illustration, comparison, or indication of coverage is preliminary unless expressly stated otherwise. Rates, terms, eligibility, and availability are subject to underwriting, carrier approval, verification of information, state availability, and applicable policy or plan terms. A quoted product may be changed, declined, or unavailable.

Key Group Benefits does not guarantee that every request will result in a quote, offer of coverage, particular premium, or placement with a specific carrier.

Do not use a website form or ordinary email to report a claim, request emergency assistance, make a time-sensitive policy change, or provide notice required by a policy. Contact the appropriate carrier using the instructions in your policy documents and contact our agency directly during business hours.

A request to change, cancel, renew, or otherwise modify coverage is not effective until you receive confirmation from an authorized representative.

You agree to provide complete and accurate information and to promptly correct information that becomes inaccurate or incomplete. Insurance decisions may depend on the information you provide. Misstatements, omissions, or delays may affect eligibility, pricing, coverage, or claim handling.

You are responsible for reviewing all applications, proposals, binders, policies, identification cards, benefit summaries, invoices, and other documents for accuracy and for notifying us promptly of questions or discrepancies.

Insurance products and services are offered only in jurisdictions where the applicable agency, producer, carrier, or partner is properly licensed or otherwise authorized. Website availability in a location does not mean that every product or service is available there.

Additional information is available on our Licensing page.

Insurance products are issued and administered by third-party insurance carriers and other providers. Key Group Benefits does not control their underwriting decisions, policy administration, claims determinations, websites, or privacy practices.

Links to third-party websites are provided for convenience. A link does not necessarily constitute endorsement, and your use of a third-party website is governed by that party's terms and policies.

The website, its design, branding, text, graphics, logos, and other original content are owned by or licensed to Key Group Benefits and are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal, noncommercial use. You may not reproduce, republish, modify, distribute, or commercially exploit website content without prior written permission.

You may not:

• Use the website for unlawful, fraudulent, or deceptive purposes.
• Attempt to gain unauthorized access to the website, accounts, databases, systems, or networks.
• Introduce malicious code, interfere with website operation, or circumvent security or access controls.
• Scrape, harvest, or use website information to send unauthorized solicitations or impersonate Key Group Benefits or another person.

We strive to keep the website accurate and available, but content may contain errors or become outdated, and access may occasionally be interrupted. To the extent permitted by law, the website is provided on an “as is” and “as available” basis without warranties of uninterrupted availability, accuracy, completeness, fitness for a particular purpose, or freedom from harmful components.

To the extent permitted by applicable law, Key Group Benefits and its owners, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to website use, inability to use the website, reliance on general website content, or access to third-party websites.

Nothing in these terms limits responsibility that cannot legally be limited, and nothing in these terms changes the rights or obligations contained in an issued insurance policy or benefit-plan document.

Our collection and use of information through the website is described in our Privacy Policy.

We may update these terms from time to time. Updated terms will be posted on this page with a revised effective date. Continued use of the website after an update constitutes acceptance of the revised terms.

These terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles, except where federal law applies.

Questions about these terms may be directed to: