Terms of Service

These Terms of Service (“Terms”) govern your use of the website operated by Harris TLC Group, doing business as Total Legacy Consulting (“we,” “us,” or “our”). By accessing or using this site, you agree to these Terms. If you do not agree, please do not use the site.

Educational Purpose

Content on this website is provided for general educational and informational purposes about life insurance and living benefits. It is not legal, tax, or financial advice. Coverage options, eligibility, and policy terms vary by carrier, state, and individual circumstances.

No Guarantee of Coverage

Submitting a form, completing a quiz, or using our calculator does not create an insurance contract or guarantee approval for coverage. All policies are subject to underwriting, carrier approval, and the terms and conditions of the issued policy.

Licensed Insurance Services

Jeff Harris is a licensed insurance professional. Insurance products are offered through Harris TLC Group and may be underwritten by third-party insurance carriers. We are compensated when policies are placed, as permitted by applicable law.

User Submissions

When you submit information through our forms, you represent that the information is accurate to the best of your knowledge and that you are authorized to provide it. You agree that we may use this information to contact you about your inquiry and related services.

Acceptable Use

You agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access to our systems or data
• Submit false, misleading, or fraudulent information
• Interfere with the proper functioning of the site

Intellectual Property

All content on this site — including text, graphics, logos, and design — is owned by Harris TLC Group or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce or distribute site content without our prior written permission.

Third-Party Links

Our site may link to third-party websites or services (such as scheduling tools or carrier resources). We are not responsible for the content, policies, or practices of those third parties.

Disclaimer of Warranties

This site is provided “as is” without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, Harris TLC Group and its representatives shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this site or reliance on its content.

Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Illinois, unless otherwise required by applicable law.

Changes to These Terms

We may update these Terms at any time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

Contact Us

Harris TLC Group / Total Legacy Consulting
Jeff Harris
Email: contact@harristlcgroup.com
Phone: (847) 401-5626

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