Advertising Disclosure

Legacy Life Shield is an independent life insurance agency operated by Demetri Tims, a licensed life insurance agent. This website, shieldlifeinsurance.com, is operated for the purpose of providing information about life insurance products and connecting individuals with coverage options through multiple insurance carriers.

Legacy Life Shield and Demetri Tims are compensated through commissions paid by insurance carriers when a policy is issued and premiums are paid. This means that if you purchase a life insurance policy through Legacy Life Shield, the insurance carrier — not you — pays a commission to the agent.

The commission structure varies by carrier and product type. The existence of a commission relationship does not increase the premium you pay for your policy. Your premium is determined by the insurance carrier based on your individual underwriting profile.

As an independent agent, Demetri Tims is not employed by or exclusively contracted to any single insurance carrier. He works with multiple carriers and can present options from more than one company. However, the carriers he works with are limited to those with whom he holds active appointments.

While we strive to present options that are well-suited to your individual situation, the compensation structure described above may create an incentive to recommend products that generate higher commissions. We disclose this so you can make a fully informed decision. You are always encouraged to ask questions, compare options independently, and take the time you need before making any coverage decision.

This website may reference or link to insurance carriers, financial concepts, or third-party resources for informational purposes. Such references do not constitute an endorsement of any specific carrier, product, or service. Carrier ratings and financial strength information referenced on this site are provided by independent rating agencies and are subject to change.

The content on this website is provided for general informational purposes only. Nothing on this site constitutes a binding insurance offer, a guarantee of coverage, or personalized financial or legal advice. Coverage availability, eligibility, and rates vary by individual circumstances, state of residence, and the underwriting guidelines of each carrier.

For a complete understanding of any insurance product, please review the full policy documents provided by the issuing carrier before purchasing.

This disclosure is provided in accordance with the Federal Trade Commission's guidelines on endorsements and testimonials, and applicable state insurance advertising regulations. We are committed to transparency in all communications.

If you have questions about our compensation structure or how we select the products we present, please contact us:

• Legacy Life Shield
• Email: [email protected]
• Website: shieldlifeinsurance.com