Terms of Service

By using this website you agree to these terms. If you do not agree, please do not use the site.

Who we are

Tymchuk Insurance Group is an independent insurance agency. Our agents are licensed to sell life and health insurance in the states listed on their profiles. We are not an insurance company. We do not underwrite, issue or pay claims on any policy.

Quotes are estimates

Any premium, rate or coverage amount shown on this site or quoted by an agent is an estimate based on the information available at that moment. The price and the coverage you are actually offered are set by the insurance carrier after underwriting, and may differ. Nothing on this site is an offer of insurance or a guarantee that you will be approved.

Information you give us

You agree that the information you give us is true and complete to the best of your knowledge, and that you are at least 18 years old and are either the person being insured or authorized to act for them. An insurance application containing information you know to be false can be denied or rescinded by the carrier.

Contact by phone, text and email

By submitting a form on this site with the consent box checked, you agree that we may contact you by phone, text message and email, including by automated means, about insurance. Consent is not a condition of purchase. You may opt out at any time as described in our Privacy Policy.

The agent portal

The portal at /app is for licensed agents and staff authorized by Tymchuk Insurance Group. Do not attempt to access it without an account. If you have an account, you are responsible for keeping your password private and for everything done under your login. Client information in the portal is confidential and may be used only to serve those clients.

Our content

The text, design, logos and tools on this site belong to Tymchuk Insurance Group or our licensors. You may read and share pages for your own personal use. You may not copy the site, scrape it, or use our name or logo for your own business.

Links to other sites

We link to insurance carriers and other third parties. We do not control those sites and are not responsible for their content or their privacy practices.

No professional advice

The information on this site is general and is not legal, tax or financial advice. Your situation is specific to you — talk to your agent, and to your own professional advisors where appropriate, before making a decision.

Disclaimers and limits

This site is provided "as is". We do our best to keep it accurate and available, but we do not promise it will be error-free or uninterrupted. To the fullest extent the law allows, Tymchuk Insurance Group is not liable for indirect or consequential damages arising from your use of this site. Nothing here limits any right you have under the insurance policy itself, or any obligation the carrier owes you under it.

Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict of law rules.

Changes

We may update these terms. The version posted here with the effective date above is the one that applies.

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