Terms & Conditions

By accessing or using the DenSherm Premier Services website (the “Site”) and the insurance and planning services offered by Denise Sherman (“we,” “us,” “our,” or “DenSherm”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, please do not use the Site or request our services.

We may revise these Terms and Conditions at any time. The most current version will always be posted on this page, and your continued use of the Site after any change constitutes your acceptance of the updated terms.

DenSherm Premier Services, operated by Denise Sherman, is an independent insurance professional offering health insurance, life insurance, long term care, disability insurance, travel insurance, annuities, preneed funeral planning, and related coverage options. We do not offer every plan available in your area, and any information we provide is limited to the plans we do offer in your area.

Insurance products are offered pursuant to the applicable licenses held by Denise Sherman. Availability, eligibility, and pricing of any plan are determined by the issuing carrier and are subject to change. Nothing on this Site constitutes a binding offer of coverage; a policy is in force only after the issuing carrier has accepted an application and issued a policy.

By providing your phone number, email address, or any other contact information to us — whether through this Site, a form, a scheduling tool, a quote request, or in any other way — you expressly consent to be contacted by Denise Sherman and her authorized representatives regarding your inquiry and the services we offer.

You authorize us to contact you by telephone call, text message (SMS/MMS), and electronic mail (email) at any telephone number or email address you have provided to us, including at a number that is currently or may in the future listed on any state or national Do Not Call registry.

You further expressly consent to be called, dialed, messaged, and reached using an automatic telephone dialing system, an artificial or prerecorded voice, an auto-dialer, predictive dialing technology, and other automated or computer-generated dialing, messaging, or voice systems. You acknowledge that such calls and messages may be made using AI-assisted or AI-driven systems for scheduling, reminders, follow-ups, and related communications.

You agree that text messages may include informational and marketing content such as appointment reminders, quote follow-ups, coverage updates, and promotions. Message and data rates from your carrier may apply. You are not required to provide this consent as a condition of purchasing any property, goods, or services; however, providing it allows us to communicate with you more effectively about the services you have requested or inquired about.

To opt out of any communication at any time, reply “STOP” to a text message, unsubscribe from an email, or contact us directly using the information in our Privacy Policy. Opt-out requests will be processed as promptly as is reasonably possible.

The information on this Site is provided for general educational purposes only and is not legal, tax, investment, or personalized insurance advice. Coverage recommendations depend on your individual circumstances, which you are responsible for describing accurately and completely. We rely on the accuracy of the information you provide, and any incorrect, incomplete, or out-of-date information may affect the plans or pricing available to you.

You should review the official policy documents, carrier filings, and disclosures provided by the issuing carrier for the precise terms, exclusions, limitations, and conditions of any product.

All content on this Site — including text, graphics, logos, images, and design elements — is the property of DenSherm Premier Services or its licensors and is protected by applicable copyright and trademark laws. You may not copy, reproduce, republish, or distribute any content from this Site without our prior written permission.

This Site may contain links to third-party websites and references to insurance carriers that are not owned or controlled by us. We are not responsible for the content, practices, or policies of any third-party site or carrier, and your use of them is at your own risk.

To the fullest extent permitted by law, DenSherm Premier Services, Denise Sherman, and her affiliates, agents, and carriers shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of this Site or the services offered, including but not limited to the inability to obtain a particular plan or the denial of a claim by an issuing carrier.

These Terms and Conditions are governed by and construed in accordance with the laws of the jurisdiction in which Denise Sherman is licensed and operates, without regard to its conflict-of-law principles. Any dispute arising out of these terms shall be resolved in the courts of competent jurisdiction in that state.

If you have any questions about these Terms and Conditions, please contact Denise Sherman using the information provided on this website or in our Privacy Policy.