Terms of Service

Last updated: 2026

1. Acceptance of Terms

By using our website or contacting us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our website or services.

2. Our Services

Rose Senior Benefits provides licensed insurance agency services, including guidance on Medicare Advantage, Medicare Supplement (Medigap), Part D prescription drug plans, and related senior insurance products. We help eligible individuals compare and enroll in plans available in their area. Our services are provided at no cost to you.

3. Insurance & Medicare Disclaimer

Plan availability, benefits, premiums, and terms are set by the insurance carriers and are subject to change. We do not control and are not liable for carrier decisions, coverage determinations, claims, or the terms of any policy you purchase. Any policy you enroll in is a contract between you and the issuing carrier.

4. No Guarantee

We do not guarantee eligibility, approval, coverage, savings, or any specific outcome. Information on this website is for general educational purposes and is not a substitute for professional, legal, tax, or medical advice.

5. SMS / Text Messaging Program

If you opt in, you may receive transactional and promotional text messages from Rose Senior Benefits as described in our Privacy Policy (SMS section). Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time; reply HELP for help. Consent to receive messages is not a condition of purchase or enrollment. Mobile information and SMS consent records are not shared with third parties or affiliates for marketing or promotional purposes.

6. Communications & TCPA Consent

By providing your contact information and consenting through our opt-in forms, you authorize Rose Senior Benefits and its authorized representatives to contact you by phone call, text message, and email — including through automated technology, auto-dialers, and pre-recorded or artificial voice messages — at the number and email you provide. This consent applies even if your number is listed on a state or federal Do Not Call registry. Consent is not a condition of purchase, and you may revoke it at any time.

7. Your Responsibilities

You agree to provide accurate information, to be at least 18 years old, and to use the phone number and email address that belong to you. You agree not to use our website for any unlawful purpose or in any way that could damage or impair the site.

8. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Marissa R Esparza (operating as Rose Senior Benefits) or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute it without permission.

9. Limitation of Liability

To the fullest extent permitted by law, Rose Senior Benefits and Marissa R Esparza will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, or from any insurance policy you obtain. Our services are provided "as is" without warranties of any kind.

10. Indemnification

You agree to indemnify and hold harmless Rose Senior Benefits and Marissa R Esparza from any claims, losses, or expenses arising from your use of the website or your violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law principles.

12. Changes to These Terms

We may update these Terms from time to time. Changes are effective when posted, and the "Last updated" date reflects the most recent revision. Continued use of our website constitutes acceptance of the revised Terms.

13. Contact Us

Rose Senior Benefits (a DBA of Marissa R Esparza)
1911 Birch Road, Homewood, IL 60430
Phone: (708) 522-9674
Email: [email protected]