Effective Date: July 20, 2026
These Terms of Service govern your access to and use of the American Federal Benefits Consultants website, forms, communications, benefits review services, educational resources, workshops, and related services.
American Federal Benefits Consultants may be referred to in these Terms as “American Federal,” “the Company,” “we,” “us,” or “our.” Website visitors, customers, and communication recipients may be referred to as “you” or “your.”
By providing your mobile phone number and checking the SMS consent box on one of our forms, you agree to receive SMS text messages from American Federal Benefits Consultants.
Messages may include benefits review communications, consultation follow ups, appointment confirmations, appointment reminders, workshop information, customer service messages, requested information, account notifications, and information about products or services that may be relevant to your request.
Message frequency varies. Message and data rates may apply.
Text STOP to opt out of SMS messages at any time. Text HELP for assistance.
For support, call American Federal Benefits Consultants at (800) 872 8857 or visit our Contact Us page.
Mobile carriers are not liable for delayed or undelivered messages.
You must be at least 18 years old to participate in our SMS messaging program.
Consent to receive SMS messages is not a condition of purchasing any product or service. Review our Privacy Policy for information about how we collect, use, and protect your personal information.
American Federal Benefits Consultants operates an SMS messaging program to communicate with individuals who have expressly agreed to receive text messages from us.
By submitting your mobile phone number through an American Federal Benefits Consultants form and affirmatively selecting the SMS consent checkbox, you consent to receive SMS text messages from American Federal Benefits Consultants at the telephone number you provided.
SMS messages may include:
Message frequency varies based on your interactions with us, your scheduled appointments, your requests, and the services for which you have registered.
Message and data rates may apply. Your mobile carrier may charge fees for sending or receiving SMS messages according to the terms of your mobile service plan.
Text STOP to opt out of SMS messages from American Federal Benefits Consultants at any time.
After you text STOP, you may receive one final confirmation message stating that you have been unsubscribed. After that confirmation, you will no longer receive SMS messages from that messaging program unless you provide consent again.
Text HELP for assistance.
You may also contact American Federal Benefits Consultants for support by calling (800) 872 8857 or by visiting our Contact Us page.
Mobile carriers are not liable for delayed or undelivered messages.
SMS message delivery is subject to effective transmission by your mobile carrier and network provider. American Federal Benefits Consultants does not control mobile carrier networks and cannot guarantee that every message will be delivered.
You must be at least 18 years old to participate in the American Federal Benefits Consultants SMS messaging program.
Consent to receive SMS marketing messages is not a condition of purchasing any product or service from American Federal Benefits Consultants.
We handle personal information collected through our SMS messaging program in accordance with our Privacy Policy.
Mobile information will not be shared with third parties or affiliates for their marketing or promotional purposes. Information may be shared with service providers only when necessary to operate our messaging program, provide requested services, comply with law, or protect our legal rights.
SMS disclosure summary: By providing your mobile number and opting in, you agree to receive text messages from American Federal Benefits Consultants regarding benefits reviews, appointments, workshops, requested information, customer service, and related products or services. Message frequency varies. Message and data rates may apply. Text STOP to opt out. Text HELP for assistance. Mobile carriers are not liable for delayed or undelivered messages. You must be at least 18 years old. Consent is not a condition of purchase.
By accessing or using this website, you agree to these Terms of Service. If you do not agree with these Terms, you must not use the website or submit information through it.
You must be legally capable of entering into a binding agreement. By using the website, you represent that you are at least 18 years old.
American Federal Benefits Consultants provides educational information, benefits consultations, benefits analysis services, workshops, and information concerning insurance and retirement related products and services.
American Federal Benefits Consultants is an independent organization. It is not a government agency and is not affiliated with, endorsed by, or sponsored by the United States government, the United States Postal Service, the Office of Personnel Management, the Department of Veterans Affairs, the Department of Defense, Medicare, or any other federal, state, or local government agency.
References to government agencies, programs, benefits, forms, terminology, or resources are provided solely for informational and educational purposes.
Information presented on this website is provided for general informational and educational purposes. Website content does not replace individualized guidance from a qualified professional who has reviewed your specific circumstances.
Calculations, examples, illustrations, benefit descriptions, retirement projections, insurance descriptions, and educational materials may rely on assumptions or information available at the time they are prepared. Actual benefits, eligibility, costs, coverage, and financial outcomes may differ.
You should independently verify information that may affect an important financial, insurance, employment, retirement, tax, legal, or health care decision.
American Federal Benefits Consultants and its agents, consultants, representatives, employees, and independent contractors do not provide legal or tax advice through this website.
Unless expressly stated in a separate written agreement and provided by a properly licensed professional, website content does not constitute investment advice, investment management, securities advice, fiduciary advice, or a recommendation to purchase, sell, or hold a security.
American Federal Benefits Consultants does not engage in the solicitation or sale of securities through this website.
You should consult an attorney, certified public accountant, tax professional, registered investment professional, or another appropriately qualified professional regarding your circumstances.
Descriptions of life insurance, health insurance, mortgage protection, final expense coverage, annuities, accident coverage, critical illness coverage, and related products are general summaries only.
Product availability, eligibility, premiums, benefits, guarantees, exclusions, limitations, surrender charges, withdrawal restrictions, tax treatment, interest crediting methods, riders, and coverage terms vary by insurance carrier, product, state, applicant, and policy.
Insurance and annuity products are governed by the applicable policy, certificate, contract, carrier materials, application, disclosures, and state law. If website content differs from an issued policy or contract, the issued policy or contract controls.
Guarantees associated with insurance and annuity products depend on the claims paying ability and financial strength of the issuing insurance company.
Submitting a request for information, completing a website form, speaking with a consultant, or receiving an illustration does not create insurance coverage. Coverage becomes effective only after all carrier requirements have been satisfied and the issuing carrier confirms that coverage is in force.
American Federal Benefits Consultants may not offer every Medicare plan available in your area. Information provided through this website is limited to plans and products that the Company or its representatives are authorized to discuss or offer.
For information regarding all available Medicare options, contact Medicare directly at 1 800 MEDICARE or visit Medicare.gov.
This website is not connected with or endorsed by the United States government or the federal Medicare program.
Federal benefits rules, agency guidance, eligibility standards, plan provisions, contribution limits, retirement formulas, health benefits, life insurance benefits, and government procedures may change.
You are responsible for confirming current information with the appropriate government agency, employer, plan administrator, insurance carrier, or qualified professional before making a decision.
American Federal Benefits Consultants cannot approve government benefits, determine final eligibility, modify government records, guarantee retirement dates, or bind a government agency.
The terms CSRS, FERS, FEGLI, and FEHB are associated with programs administered by the United States Office of Personnel Management. Use of these terms does not indicate government affiliation or endorsement.
A benefits review, consultation, report, estimate, workshop, or educational session is based on the information available to us and the information you provide.
You are responsible for providing complete and accurate information. Missing, inaccurate, outdated, or incomplete information may affect the accuracy or usefulness of an analysis, illustration, estimate, or recommendation.
A request for a benefits review does not guarantee an appointment, report, product recommendation, insurance approval, or particular result.
Unless otherwise stated in a separate written agreement, a benefits review does not create an attorney client relationship, tax advisor relationship, investment advisory relationship, fiduciary relationship, or government representative relationship.
Workshop schedules, speakers, locations, topics, availability, and formats may change. We may modify, postpone, relocate, cancel, or replace a workshop or event when reasonably necessary.
Workshop materials are provided for educational purposes and should not be treated as personalized legal, tax, investment, insurance, or financial advice.
Attendance at a workshop does not require you to purchase a product or service unless a specific event notice clearly states otherwise.
When you submit information through the website, you represent that the information is accurate, current, and complete to the best of your knowledge.
You must not submit information belonging to another person unless you have permission and legal authority to provide it.
Do not submit Social Security numbers, complete financial account numbers, passwords, medical records, government identification numbers, or other highly sensitive information through a general website form unless the form specifically requests that information and provides an appropriate secure process.
Information submitted through the website will be handled in accordance with our Privacy Policy.
When you provide a telephone number or email address and request information, a consultation, a benefits review, a workshop, or another service, you authorize American Federal Benefits Consultants and its authorized representatives to contact you regarding your request.
Communications may include telephone calls, emails, and text messages where permitted by law and consistent with the consent language presented when you submit your information.
You may unsubscribe from marketing emails using the unsubscribe option included in the email. Administrative or service related communications may still be sent when reasonably necessary to respond to a request or manage an existing relationship.
You may use the website only for lawful, personal, and informational purposes.
You agree not to:
Unless otherwise stated, the website and its original content, text, graphics, design, layout, photographs, videos, downloads, reports, forms, logos, trademarks, service marks, and software are owned by or licensed to American Federal Benefits Consultants and are protected by applicable intellectual property laws.
You may view and print reasonable portions of the website for personal and noncommercial use. This permission does not transfer ownership or grant a license to reproduce, distribute, modify, publish, display, create derivative works from, or commercially exploit website content.
Government agency names, government program names, and third party trademarks remain the property of their respective owners. Their appearance on the website does not imply affiliation, endorsement, or sponsorship.
The website may contain links to government websites, insurance carriers, service providers, social media platforms, educational resources, or other third party websites.
Third party websites and services are independently operated. American Federal Benefits Consultants does not control and is not responsible for their availability, security, accessibility, content, privacy practices, accuracy, products, services, or terms.
A link does not constitute endorsement unless expressly stated otherwise. You access third party websites and services at your discretion and subject to their applicable terms and policies.
We make reasonable efforts to maintain useful and accurate website content. We do not guarantee that every page, calculation, resource, form, description, date, eligibility standard, product detail, or external link will always be complete, current, accurate, or available.
We may correct errors, revise content, modify features, suspend access, or discontinue any portion of the website without prior notice.
The website may occasionally be unavailable because of maintenance, updates, hosting issues, security events, network conditions, third party services, or circumstances outside our reasonable control.
American Federal Benefits Consultants does not guarantee that use of the website, participation in a workshop, completion of a benefits review, or consultation with a representative will produce a particular financial, retirement, tax, insurance, employment, or benefits result.
Examples, testimonials, projections, illustrations, historical results, and hypothetical scenarios do not guarantee future outcomes. Individual results depend on personal circumstances, government rules, market conditions, insurance carrier requirements, product terms, and other factors.
To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.
American Federal Benefits Consultants disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, security, noninfringement, and suitability.
We do not warrant that the website will operate without interruption, error, delay, harmful components, security incidents, or data loss.
To the fullest extent permitted by law, American Federal Benefits Consultants and its owners, officers, employees, agents, consultants, contractors, licensors, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of or inability to use the website.
This limitation includes claims involving loss of data, income, profits, business opportunity, benefits, coverage, savings, goodwill, or expected financial results, even when the possibility of such damages was known or reasonably foreseeable.
To the fullest extent permitted by law, the total liability of American Federal Benefits Consultants for claims arising solely from use of the public website will not exceed one hundred dollars.
This section does not exclude liability that cannot legally be excluded or limited under applicable law.
To the extent permitted by law, you agree to defend, indemnify, and hold harmless American Federal Benefits Consultants and its owners, officers, employees, agents, consultants, contractors, affiliates, licensors, and service providers from claims, liabilities, losses, damages, judgments, costs, and reasonable legal fees arising from:
Our collection, use, retention, and disclosure of personal information are governed by our Privacy Policy.
The Privacy Policy is incorporated into these Terms of Service. Review it before submitting information through the website or consenting to receive communications.
View the American Federal Benefits Consultants Privacy Policy.
We may restrict, suspend, or terminate access to the website when we reasonably believe that a user has violated these Terms of Service, created a security risk, interfered with website operations, engaged in unlawful activity, or misused Company resources.
Provisions concerning intellectual property, disclaimers, liability, indemnification, governing law, and other provisions that should reasonably survive termination will remain effective.
These Terms of Service are governed by the laws of the State of Florida, without regard to conflict of law principles.
Unless applicable law requires otherwise, legal proceedings arising from these Terms or use of the website must be brought in a state or federal court with jurisdiction over Clay County, Florida.
Before filing a legal claim, the parties agree to make a reasonable good faith effort to resolve the dispute through direct written communication.
We may revise these Terms of Service to reflect changes in the website, our services, business practices, applicable laws, regulations, or compliance requirements.
Updated Terms will be posted on this page with a revised effective date. Changes become effective when posted unless a later date is stated.
Your continued use of the website after updated Terms become effective constitutes acceptance of the updated Terms.
If a provision of these Terms of Service is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law.
The remaining provisions will continue in full force and effect.
A failure or delay by American Federal Benefits Consultants to enforce a provision of these Terms does not waive the right to enforce that provision or another provision in the future.
A waiver is effective only when provided in writing by an authorized Company representative.
These Terms of Service and the Privacy Policy constitute the agreement between you and American Federal Benefits Consultants concerning use of the public website.
Separate applications, insurance policies, carrier agreements, service agreements, consent forms, workshop terms, disclosures, or other written agreements may apply to specific products or services.
If a separate written agreement directly conflicts with these Terms regarding a specific product or service, the separate written agreement controls.
Questions about these Terms, our services, or our SMS messaging program may be directed to:
American Federal Benefits Consultants
769 Blanding Blvd., Suite 1
Orange Park, Florida 32065
Telephone: (800) 872 8857
Website: americanfederal.org
American Federal Benefits Consultants
769 Blanding Blvd., Suite 1
Orange Park, Florida 32065
Telephone: (800) 872 8857
American Federal Benefits Consultants is an independent organization not a government agency or affiliated with the federal government or any state government. *The terms CSRS, FERS, FEGLI, and FEHB are all registered trademarks of the U. S. Office of Personnel Management. American Federal Benefits Consultants, agents, consultants, or any independent contractors does not provide tax, legal, or investment advice and does not engage in the solicitation or sale of securities.
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.