Ring Benefits LLC · Effective Date: January 1, 2026
Ring Benefits sends SMS messages to individuals who have submitted a quote request through www.ringbenefitsllc.com or our affiliated lead forms and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages may include quote confirmations, appointment scheduling and reminders, application status updates, follow-ups from a licensed advisor, and customer support communications.
You can cancel SMS messages from Ring Benefits at any time. Simply text STOP to the number that messaged you. Once we receive your STOP request, we will send one final SMS confirming your unsubscribe and will stop sending messages to that number. To re-subscribe, sign up as you did initially through one of our forms.
If you experience issues with the messaging program, reply with the keyword HELP for assistance, email info@ringbenefitsllc.com, or call (866) 230-2324 during business hours.
Carriers are not liable for delayed or undelivered messages.
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your quote status, appointment schedule, and conversations with your advisor. For questions about your text plan or data plan, contact your wireless provider.
Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, and most regional carriers.
You must be 18 years or older to participate in our SMS program.
For details about how we handle your information, including SMS opt-in data, please refer to our Privacy Policy. Mobile information and SMS opt-in data are not shared with third parties or affiliates for their marketing or promotional purposes.
We comply with applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA messaging guidelines.
This website (the "Site") is owned and operated by Ring Benefits LLC ("Ring Benefits," "we," or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms, our Privacy Policy, and any additional terms or conditions that may apply to specific sections of the Site or to products and services offered through the Site.
Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.
We reserve the right to update these Terms of Service or impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms on this page. Continued use of the Site after such changes constitutes acceptance of the modified Terms.
Ring Benefits is a licensed insurance agency that helps individuals and families compare and enroll in private health insurance, term and whole life insurance, and Indexed Universal Life (IUL) policies offered by third-party insurance carriers. We do not underwrite policies or set premiums; those are determined by the issuing insurance carriers based on their underwriting guidelines.
Quotes provided by Ring Benefits are estimates based on the information you provide. Final pricing, eligibility, and policy terms are determined by the insurance carrier upon application and underwriting. Ring Benefits does not guarantee that any specific plan, premium, or savings amount will be available to you.
This Site and the materials available on it are the property of Ring Benefits LLC and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided for your personal, non-commercial use. You may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, or otherwise exploit any material from the Site, except for downloading or printing individual pages for personal, non-commercial reference, provided you keep intact all copyright and proprietary notices.
By posting or submitting any material to us via the Site, email, SMS, or other digital channels (including comments, reviews, or testimonials), you represent that you own the material or have all necessary rights and permissions to share it. You grant us a royalty-free, perpetual, non-exclusive, worldwide license to use, modify, transmit, distribute, and publicly display such material in connection with our business.
The Site may contain links to third-party websites, including those of insurance carriers and partners. Our linking to such sites does not imply an endorsement or sponsorship of those sites or the products and services offered through them.
The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. Insurance availability, pricing, and policy terms are subject to change and are governed by the issuing carrier's documents.
You agree to indemnify and hold harmless Ring Benefits LLC and our respective officers, directors, agents, and employees from any claims, damages, liabilities, costs, and expenses arising from your breach of these Terms of Service or your misuse of the Site.
By providing your contact information, you consent to receive communications from Ring Benefits and our licensed advisors regarding your quote, application, or active policy via phone, email, and (if you opted in) SMS. Marketing communications can be unsubscribed from at any time as described in the relevant message or by contacting us directly.
We reserve the right to terminate or suspend your access to the Site without notice if we determine that you have violated these Terms of Service or engaged in conduct we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
These Terms of Service shall be governed by and construed in accordance with the laws of the state in which Ring Benefits' principal office is located, without regard to its conflict of law principles. Any dispute arising under these Terms shall be resolved in that jurisdiction.
We may update these Terms of Service from time to time. The latest version will always be available on this page with the effective date listed at the top.
For questions regarding these Terms of Service, please contact us:
By using our website and services, you consent to these Terms of Service.