Privacy Policy

Welcome to, a website herein referred to as “website” or ‚”site”. This website is owned and operated by Business Planning Concepts, Inc. dba Member Benefits, herein referred to as “MB”.



MB is concerned about your privacy and believes it is important for you to know and understand how our website collects and uses your information, and the steps we take we to protect your privacy. Please read this privacy policy carefully.


In order to issue and service high-quality products and services, we collect personal information about you. We do not sell your information to third parties, and we disclose your personal information only as necessary to provide the products and services. This summary of our practices is provided for your information. You do not need to take any action as a result of this notice, but you do have certain rights as described below.


Information Collected By MB
To conduct our business, MB uses this website to collect personally identifiable information and non-personally-identifiable information about you.


Personally-identifiable information:
The personal information we collect may include, but is not limited to:

  • Name
  • Address
  • Social Security Number
  • Email address
  • Phone number
  • Demographic information
  • Employment Status
  • Credit information
  • Health information
  • Other financial information


Please note that insurance institutions and other services provided by MB may require direct contact with you in order to provide products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You expressly consent to receive phone calls and email regardless of whether you are on any Federal or state DNC (“Do Not Call”) and/or DNE (“Do Not Email”) list or registry.


We only collect your personally identifiable information when you choose to share it with us. We will not collect any personally-identifiable information without your consent.


The information you choose to share with us may be collected through this website, another website in the MB network, or a website owned by of one of our third-party partners, including our network of affiliated marketing partners. Any personally-identifiable information collected by a MB-affiliated marketing partner is used to provide the services described above. Information may also be collected over the phone by one of our Customer Service Representatives, or by a Customer Service Representative working for one of our third-party partners.


By agreeing to the Terms of Use of this privacy policy, you are consenting to share your information you supply to us, and, you are authorizing the sharing of your inquiry information and your personal information with other businesses that provide insurance products or services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry, as well as other services and offers you may be interested in.


We follow generally accepted industry standards to protect the personal information submitted to us, including SSL (Secure Sockets Layer), both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100 percent secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.


We provide you the opportunity to “opt-out” of having your personally identifiable information used for certain purposes when we ask for this information. For example, if you purchase a health plan but do not wish to receive any additional marketing material from us, you may request us not to do so.


If you no longer wish to receive our newsletter and promotional communications from MB or our affiliated marketing partners, you may opt-out of receiving them by following the instructions included in each newsletter or communication, or by calling us at 1-800-282-8626, or writing to the address below:


Member Benefits
PO Box 17639
Jacksonville, FL 32245-7639


Any personally identifiable information you submit in our blog comments or forum can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in blog comments or forums.


Non-personally-identifiable information:
While you are visiting this website, our hosting service will automatically track information that includes, but is not limited to:

  • IP addresses
  • Referral information
  • Browser details
  • Operating system information
  • Number of page views
  • Number of repeat visits
  • Internet Service Provider
  • Region or geographic location
  • Other non-personally-identifiable information


How Information Is Collected
We collect personally-identifiable information about you from:

  • Applications or other forms
  • Your transactions with us, our affiliates, insurance companies, or service providers
  • Other individuals, businesses, and agencies
  • Visitors to our websites


We collect non-personally-identifiable information about you from:

  • Cookies
  • Web beacons/pixels
  • Tracking scripts
  • Other monitoring technologies


How We Treat and Use Your Information
If you choose to give us personally-identifiable information, we restrict access to this information about you to those employees who need to know that information to provide our products or services or to otherwise conduct our business studies. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to safeguard all your personally-identifiable information. We may also disclose your personally-identifiable information to third parties with which we contract for services. We contractually require these third parties to protect your information. Examples of these third parties are:

  • Financial service providers, such as third-party administrators, broker-dealers, insurance agents and brokers, investment companies, registered representatives, investment advisors, companies that perform marketing services on our behalf or on behalf of and another financial institution, or to other financial institutions with whom we have joint marketing agreements; and
  • Non-financial companies and individuals, such as our consultants and vendors.
  • In addition, we may disclose your personally-identifiable information to medical care institutions or medical professionals, insurance regulatory authorities, law enforcement or other government authorities, or to affiliated or nonaffiliated third parties as reasonably necessary to conduct our business or as otherwise permitted by law.


Our privacy procedures apply even after you stop having any customer relationship with


We retain the right to use ideas, concepts, know-how, or techniques contained in any personally-identifiable information you provide to us for our own purposes, including developing and marketing products and services.


We do not disclose to our affiliates any information we receive about you from a consumer reporting agency.


We do not disclose your personally-identifiable information to third parties except as necessary to provide you our products and services. You do have the right to review the personal information about you relating to any insurance product or service issued by us that we can reasonably locate and retrieve. You also can request that we correct, amend or delete any inaccurate information. If you wish to do this, please write, Attn: Privacy Inquiry to the address you normally use for your correspondence with us. If you don’t have that address, write to:


Member Benefits
Attn: Client Services Department-Privacy
PO Box 17639
Jacksonville, FL 32245-7639


Describe the information you wish to see. A handling fee of .10 per page may apply.


Please note that we have no control over and cannot be held responsible or liable for the privacy policies, if any, of our third-party partners. This includes third-party websites that link to MB, third-party websites linked from MB, any insurance agent or financial professional in our network that we match you with, any third-party network to whom we forward your information, or any Member of such third-party network.


Finally, your agreement with our privacy policy also allows that we may share your information with other third parties who may be able to provide you with other offers or services in which you may be interested.


Non-personally-identifiable information:
Our website development team uses non-personally-identifiable metrics to improve the content, layout, navigation, and overall site experience for all visitors. We may analyze traffic patterns and statistics to improve this site, provide additional services, and better serve our visitors.


A cookie is a small text file stored on a user’s computer for record-keeping purposes. We use cookies on this site, but do not link the information we store in cookies to any personally identifiable information you submit while on our site.


The cookies we use collect non-personally identifiable information in order to provide data including, but not limited to, the amount of time spent on our Website and the pages visited.


Our website uses both session ID cookies and persistent cookies. A session ID cookie is used to make it easier for you to navigate our site and expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.


Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site. We also use persistent cookies to denote a user’s repeat visit within 60 days, which is commonly known as a 60-day persistent cookie.


You can remove persistent cookies by following directions provided in your Internet browser’s ‚”help” file. Refer to Microsoft© online for more information about cookies.


If you reject cookies, you may still use our site, but your ability to use some areas of our site may be limited.


This privacy statement covers the use of cookies by MB only and does not cover the use of cookies by any advertisers or third parties.


Your Consent
By visiting, agreeing with and accepting this privacy policy, and then sharing your information with this website, you consent to the collection and use of your information by our site development team. In so doing, you agree to abide by this Privacy Policy, this site’s Terms of Use, and this site’s Disclaimer. You further acknowledge that this website’s Privacy Policy and Terms of Use constitute the only understanding and agreement between you and MB, and that this understanding and agreement supersedes any and all previous understandings and agreements.


You further acknowledge that you agree to be contacted by insurance professionals, MB, and other third party partners of MB, regardless of the presence of your telephone number, or if you registered on any state or Federal DNC (“Do Not Call”) of DNE (“Do Not Email”) list or registry. If the company or third party is marketing products to you or are offering services other than what you originally requested, then contact us using the contact information in the penultimate paragraph in this Privacy Policy or contact the DNC or DNE registry. Find their contact information online


CAN-SPAM Compliance
MB is committed to being compliant with all Federal regulations, including the Federal CAN-SPAM Act of 2003.


MB only sends email to those of our visitors who have “opted in” to receive these communications. Individuals “opt-in” to our email communications by voluntarily providing us with their email address and submitting a form that acknowledges their agreement with our Terms of Use and Privacy Policy.


You may “opt-out” of any communication from MB at any time. Use the “unsubscribe” link at the bottom of any email you receive from MB, and we will remove you from our mailing list. In addition, you may contact us at the address above and request to be removed from our mailing list.


Occasionally MB will partner with a third party email server who may provide additional relevant email advertisements to our consumer’s requests. Unsubscribing from communications from MB does not guarantee that you will no longer receive communications from our third party partners; you must contact that third party directly.


Be advised that we cannot control the policies of our third party partners, nor can we guarantee or represent their compliance with the CAN-SPAM Act or any other state or Federal law.


Links to Other Websites
This website may feature links to other websites owned and operated by third parties. Be advised that MB is not responsible for the content or services of these third party sites. Privacy Policies and Terms of Use, if any, of these third party sites, may differ from the MB Privacy Policy and Terms of Use. We encourage you to read the Privacy Policies and Terms of Use of any website you visit.


Information from Minors
MB does not knowingly solicit or collect information from anyone under the age of 13.


Changes to This Policy
MB reserves the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page. An updated copy of this Privacy Policy will be clearly posted and accessible on this website at all times.