Insurance Disclaimer

The information provided on this website is intended for general educational and informational purposes only. It does not constitute a binding insurance offer, a contract of insurance, or professional insurance, legal, tax, or financial advice. Nothing on this website should be relied upon as a substitute for consultation with a licensed insurance professional or other qualified advisor.

All life insurance products described or referenced on this website are subject to underwriting review and approval by the applicable insurance carrier. The following are not guaranteed:

• Approval of any application for coverage
• Specific premium rates or pricing
• Eligibility for any particular product or benefit
• Policy terms, conditions, or benefit amounts
• Claims payment or financial outcomes

Not every applicant will qualify for every product. Eligibility, rates, and coverage availability vary based on individual health history, age, state of residence, and the underwriting guidelines of each insurance carrier.

The actual terms, conditions, exclusions, limitations, and benefits of any insurance policy are governed solely by the applicable policy contract issued by the insurance carrier. In the event of any conflict between information on this website and the terms of an issued policy, the policy contract controls.

Legacy Life Shield and Demetri Tims are not insurance carriers and do not underwrite, issue, or guarantee insurance policies. Insurance products are offered through independent carrier relationships held by Demetri Tims, Licensed Agent.

Demetri Tims is an independent licensed insurance agent. As an independent agent, he may represent multiple insurance carriers and can help consumers understand and compare available options. However:

• He does not guarantee approval or coverage from any carrier.
• He does not guarantee that any specific product is the best option for every individual.
• Carrier relationships and product availability are subject to change.
• The carriers referenced on this website are independent companies and are not affiliated with Legacy Life Shield.

Insurance products and coverage options vary by state. Not all products described on this website are available in all states. Demetri Tims is currently licensed in the following states: Arkansas, California, Delaware, Georgia, Louisiana, Michigan, Missouri, Nebraska, Ohio, Pennsylvania, South Carolina, Texas, and Virginia. Availability of specific products within those states is subject to carrier approval and state regulations.

Life insurance is a financial product. Nothing on this website constitutes a guarantee of any financial result, investment return, savings, or financial benefit. The value of life insurance products depends on many factors, including the terms of the specific policy, premium payment history, and the financial strength of the issuing carrier.

While we make reasonable efforts to keep the information on this website current and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information provided. Insurance regulations, carrier guidelines, and product availability change frequently. Always confirm current details directly with the carrier or a licensed agent before making any insurance decision.

This website is designed to be compliance-ready and professionally structured. However, this disclaimer and the information on this website have not been reviewed or approved by any state insurance department or regulatory authority. Consumers with specific legal or regulatory questions should consult a licensed attorney or contact their state's department of insurance.

If you have questions about the information on this website or the insurance products described, please contact:

Demetri Tims, Licensed Agent
Legacy Life Shield
[email protected]