Effective January 1, 2026 · Buffer Benefits, LLC
These Terms of Service govern your use of bufferinsurance.com and the services we provide. By using our website, you agree to these terms. Please read them — they're written to be straightforward, not to obscure anything.
By accessing or using the website at bufferinsurance.com ("Site"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, please do not use this Site.
These terms apply to all visitors, users, and anyone who accesses or uses the Site. Buffer Benefits, LLC reserves the right to update these terms at any time. Your continued use of the Site after any changes constitutes your acceptance of the updated terms.
Buffer Benefits, LLC is a licensed independent insurance brokerage. We help individuals, families, and employers navigate insurance options including health, Medicare, life, commercial, and employee benefit plans.
Information provided on this Site — including plan descriptions, coverage summaries, and educational content — is for informational purposes only. Nothing on this Site constitutes a binding offer of insurance coverage, a guarantee of insurability, or a confirmation that any specific plan is available to you. All coverage is subject to carrier underwriting, eligibility requirements, and applicable state regulations.
The content on this Site is educational in nature and does not constitute professional insurance advice, financial advice, or legal advice. Individual circumstances vary significantly. We strongly encourage you to speak with one of our licensed advisors before making any insurance decisions.
Interactive tools and calculators on this Site — including Medicare penalty calculators, life insurance needs analyses, and tax savings estimators — provide general estimates only. Results are based on the information you enter and general assumptions. They should not be relied upon as a substitute for personalized advice from a licensed professional. Actual costs, penalties, coverage needs, and savings will vary based on your individual circumstances and carrier terms.
Important: If you are making a Medicare enrollment decision, please consult a licensed Medicare advisor and contact Medicare.gov or 1-800-MEDICARE to understand all options available in your area.
Buffer Benefits, LLC and its agents are licensed insurance producers. Licensure varies by state. The fact that our website is accessible in a particular state does not imply that we are licensed to sell insurance in that state or that the products described are available there.
As an independent brokerage, we represent multiple insurance carriers. We are compensated by carriers in the form of commissions when coverage is placed. This compensation does not increase the cost of your coverage.
All content on this Site — including text, graphics, logos, icons, images, audio, video, tools, and software — is the property of Buffer Benefits, LLC or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and view the content on this Site for your own personal, non-commercial use. You may not:
The Buffer Insurance name, shield logo, and associated marks are trademarks of Buffer Benefits, LLC. Unauthorized use is prohibited.
When using this Site you agree not to:
We reserve the right to terminate access to this Site for any user who violates these terms or engages in conduct we determine to be harmful to other users, our business, or third parties.
We make reasonable efforts to ensure that the information on this Site is accurate and current. However, insurance products, plans, pricing, and regulations change frequently. Buffer Benefits, LLC does not warrant that any content on this Site is complete, accurate, or up to date at the time you access it.
We reserve the right to update, modify, or remove content at any time without notice. We are not obligated to update outdated information, though we endeavor to do so promptly when made aware of inaccuracies.
This Site may contain links to third-party websites, including insurance carrier sites, government resources such as Medicare.gov, and other external services. These links are provided for convenience only.
Buffer Benefits, LLC has no control over the content, privacy practices, or accuracy of third-party sites. The inclusion of any link does not constitute an endorsement. Your use of any linked site is at your own risk and subject to that site's own terms and policies.
This Site and all materials, content, and tools are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. Buffer Benefits, LLC expressly disclaims all warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content, tools, or estimates provided through this Site.
To the fullest extent permitted by applicable law, Buffer Benefits, LLC and its officers, directors, employees, agents, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or goodwill — arising from or related to your use of or inability to use this Site or its content.
Our total liability for any claim arising from your use of this Site shall not exceed one hundred dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Buffer Benefits, LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses — including reasonable attorneys' fees — arising out of your use of this Site, your violation of these Terms, or your violation of any rights of a third party.
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Site, you consent to the collection and use of your information as described in our Privacy Policy.
These Terms of Service are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Any dispute arising from or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Tarrant County, Texas. You irrevocably consent to the personal jurisdiction of those courts.
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Buffer Benefits, LLC regarding your use of this Site and supersede all prior agreements, understandings, or representations relating to the subject matter herein.
If you have questions about these Terms of Service, please contact us:
General Counsel Contact
Cody Franklin
Chief Operating Officer
Buffer Benefits, LLC
Mailing Address
Buffer Benefits, LLC
550 Reserve Street, Suite 250
Southlake, TX 76092