This Privacy Policy describes how Sarah Flor, licensed insurance agent with Globe Life · American Income / National Income Division (“we,” “us,” or “our”), collects, uses, and protects information you provide when visiting this website or contacting us.
1. Information We Collect
We may collect the following types of personal information:
Contact Information: Name, phone number, and email address submitted through our Will Kit request form or any contact form on this website.
Communications: Messages or information you voluntarily provide when contacting us by phone, email, or text.
Usage Data: Non-personally identifiable information such as browser type, pages visited, and time on site, collected automatically via standard analytics.
2. How We Use Your Information
Information you provide is used solely for the following purposes:
To respond to your inquiries and deliver requested resources (free Will Kit, Child Safe Kit, etc.).
To schedule and conduct free consultations about insurance coverage options.
To follow up regarding your interest in Globe Life insurance products and services.
To comply with applicable legal, regulatory, and licensing requirements as a licensed insurance agent.
To send relevant educational information about life insurance and family protection.
3. How We Share Your Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes. Your information may be shared only in the following limited circumstances:
Globe Life and Affiliated Companies: As a licensed agent within the Globe Life · American Income / National Income Division network, information relevant to your inquiry may be shared with Globe Life Insurance Company of New York, National Income Life Insurance Company, or affiliated entities as required to service your account or application.
Legal Compliance: We may disclose information if required by law, regulation, court order, or applicable insurance regulatory authorities.
Service Providers: We may use trusted third-party services (such as Calendly for scheduling) that receive limited information necessary to provide their services. These providers are not permitted to use your information for any other purpose.
4. Text Message Communications
By providing your phone number, you may receive text messages regarding your inquiry, consultations, or insurance information. Message and data rates may apply. You may opt out at any time by replying STOP to any text message. We comply with all applicable TCPA regulations and require prior express written consent before sending marketing text messages.
5. Data Security
We take reasonable measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no method of internet transmission is 100% secure. We encourage you to avoid sharing sensitive financial or health information through unsecured channels.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for the period required by applicable state insurance regulations.
7. Your Rights
Depending on your state of residence, you may have rights regarding your personal information, including the right to access, correct, or delete information we hold about you, and to opt out of marketing communications at any time. To exercise these rights, contact us at +1 (516) 277-0565.
8. Cookies and Tracking
This website may use cookies or similar tracking technologies to improve your browsing experience and analyze traffic. You may configure your browser to refuse cookies, though some features may not function properly as a result.
9. Third-Party Links
This website may contain links to third-party websites, including Globe Life’s official website and Calendly. We are not responsible for the privacy practices of those external sites and encourage you to review their privacy policies.
10. Children’s Privacy
This website is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be reflected by updating the “Last Updated” date above. We encourage you to review this policy periodically.
12. Contact Us
Sarah Flor — Licensed Insurance Agent
Globe Life · American Income / National Income Division
Insurance Disclosure: Sarah Flor is a licensed insurance agent. This website is operated independently by a licensed insurance agent affiliated with Globe Life · American Income / National Income Division. Insurance products are underwritten by National Income Life Insurance Company and affiliated Globe Life companies. Coverage availability and eligibility are subject to underwriting approval and state regulations. This website constitutes an insurance solicitation.
SarahFlor
Last Updated: May 2026
Terms & Conditions
Please read these Terms and Conditions carefully before using this website. By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this website.
1. Acceptance of Terms
By visiting, browsing, or submitting information on this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy, which is incorporated herein by reference.
2. About This Website
This website is operated by Sarah Flor, a licensed insurance agent with Globe Life · American Income / National Income Division. The purpose of this website is to provide general educational information about life insurance products and to facilitate consultations with a licensed insurance agent. This website constitutes an insurance solicitation.
3. No Insurance Contract Created
Nothing on this website constitutes an offer to provide insurance coverage or a binding insurance contract. All insurance products are subject to underwriting approval, applicable state regulations, and the terms of the specific policy issued. Coverage availability, eligibility, and premium rates vary by individual and state.
4. Educational Information Only
All content on this website — including descriptions of insurance products, coverage amounts, premium examples, and educational materials such as the Legacy Will Kit — is provided for general informational and educational purposes only. It should not be construed as legal, financial, or tax advice. You should consult qualified professionals for advice specific to your situation.
5. Free Resources — Will Kit & Child Safe Kit
The Legacy Will Kit, Child Safe Kit, and any other free resources made available through this website are provided as a courtesy. By requesting these resources, you agree to be contacted by a licensed insurance agent regarding insurance information and coverage options. These resources do not constitute legal advice. You should have a licensed attorney review any estate planning documents for compliance with applicable state law.
6. Consultation Requests & Lead Forms
By submitting your name, phone number, email address, or other information through any form on this website, you expressly consent to being contacted by Sarah Flor or affiliated licensed agents by phone call, text message (including automated technology), or email regarding insurance information and educational review options. Consent is not required to purchase any product or service. You may opt out of communications at any time by replying STOP to text messages or contacting us directly.
7. Accuracy of Information
We make reasonable efforts to ensure that information on this website is accurate and current. However, we make no warranties as to the accuracy, completeness, or timeliness of any content. Insurance products, premium rates, and regulatory requirements are subject to change. Always verify current information with a licensed agent before making coverage decisions.
8. Intellectual Property
All content on this website — including text, graphics, logos, images, and design elements — is the property of Sarah Flor or its respective owners and is protected by applicable copyright laws. You may not reproduce, distribute, or modify any content without prior written permission.
9. Third-Party Services
This website may link to or integrate with third-party services including Calendly and Globe Life’s official platforms. We are not responsible for the content, privacy practices, or terms of service of any third-party websites. Your use of third-party services is governed by their respective terms and policies.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Sarah Flor and affiliated Globe Life entities shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, reliance on any content herein, or any insurance decisions made based on information obtained from this website.
11. Disclaimer of Warranties
This website is provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
12. Indemnification
You agree to indemnify and hold harmless Sarah Flor, Globe Life · American Income / National Income Division, and their respective officers, agents, and employees from any claims, damages, or expenses arising from your use of this website, violation of these Terms, or infringement of any third-party rights.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of New York.
14. Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes are effective immediately upon posting. Your continued use of this website following any changes constitutes your acceptance of the revised Terms.
15. Contact
Sarah Flor — Licensed Insurance Agent
Globe Life · American Income / National Income Division
Insurance Solicitation Notice: This website is operated by a licensed insurance agent. Submission of your information authorizes contact regarding insurance products and services. Sarah Flor is licensed in the State of New York. Coverage is underwritten by National Income Life Insurance Company and affiliated Globe Life companies. Eligibility and coverage are subject to underwriting approval and state regulations.
In active life insurance coverage held in force by Globe Life
4 in 10
Households would face financial hardship within 6 months of losing a breadwinner
$3.49
Monthly starting rate for Globe Life adult coverage — less than most streaming bills
A+
Financial strength rating — your family's protection is built to last
4.6★
Google Rating Pappas Akuamoa Org.
About Sarah
Your Local Globe Life Agent
I'm Sarah Flor, a licensed Globe Life insurance agent with the American Income / National Income Division — the same organization that has been protecting New York families for decades under the leadership of Theo Pappas and Reynolds Akuamoa.
My mission is simple: make sure no family I meet is left financially vulnerable. Whether you need life insurance, final expense coverage, mortgage protection, or children's coverage — I find what fits your family's actual budget and situation.
No pressure. No complicated medical exams. No fine print surprises. Just honest protection conversations and the right coverage in place — starting day one.
"I believe our products are beneficial because they help fill in the gaps for working families. Our concern is getting the right products in place for each individual family."
— Theodore Pappas, Organization Owner · Globe Life National Income Division
Globe Life offers a full range of protection products — all with simplified underwriting, no medical exam required, and coverage that starts immediately.
🛡️
Term Life Insurance
Flexible coverage for a specific period — ideal for income replacement, mortgage protection, and covering your family's biggest financial years. Simple, affordable, and direct.
Most Popular
🔒
Whole Life Insurance
Permanent coverage that never expires, builds cash value over time, and locks in your premium for life. Unlike term, this stays with you no matter what changes.
Builds Cash Value
🕊️
Final Expense Insurance
Designed to cover funeral costs, burial expenses, and outstanding medical bills so your loved ones aren't left with a financial burden on top of their grief.
No Medical Exam
🏠
Mortgage Protection
Keep your loved ones safe by ensuring your home is paid off if something happens to you. Peace of mind that your family won't lose the roof over their heads.
Home Security
👶
Children's Life Insurance
Lock in a lifetime low rate for your child or grandchild today. Ensures their future insurability and gives them a financial head start — starting at just $2.17/month.
From $2.17/mo
💊
Supplemental Health
Cancer, ICU, critical illness, accident, and hospital insurance to cover the out-of-pocket costs your primary health plan often doesn't. A critical safety net.
Health Coverage
Setting the Record Straight
Myths That Cost Families Everything
These are the most common reasons families put off coverage — and what the reality actually looks like.
✗ Myth
"My life insurance through work is enough to cover my family."
✓ Fact
Employer group plans typically cover only 1–2x your annual salary. Experts recommend 7–10x. And when you leave that job, the coverage disappears with it.
✗ Myth
"I'll never qualify — I'd have to pass a medical exam."
✓ Fact
Globe Life requires NO medical exam. A simple application is all it takes, and full coverage starts on day one of approval.
✗ Myth
"I'm too young — I'll figure it out later."
✓ Fact
The younger and healthier you are, the lower your premiums — and those rates are locked in forever. Waiting means paying more, or being disqualified later.
✗ Myth
"I can't afford life insurance right now."
✓ Fact
Globe Life plans start at just $3.49/month for adults — less than most streaming subscriptions. There's a plan for nearly every budget.
The Organization Behind Us
Led by Proven Producers
The Pappas Akuamoa Organization — rated 4.6★ on Google — is one of Globe Life's most respected teams in New York, built on decades of trust and community service.
Sarah Flor
Licensed Agent · Your Primary Contact
Sarah is your direct point of contact for all coverage questions, policy reviews, and consultations. She brings a genuine passion for helping families find the right protection — without pressure and without surprises. Reach her directly at +1 (516) 277-0565.
TP
Theodore Pappas
Organization Owner · Since 2000
In 2001, Theo was one of Globe Life's top 20 personal producers. From 2002–2005, a top Master General Agent. A family man and community volunteer — Special Olympics, American Cancer Society, Leukemia Foundation. His philosophy: "Nothing worthwhile in life is easy, but a career with NIL is not only financially rewarding but personally rewarding as well."
RA
Reynolds Akuamoa
Organization Leader · Since 2010
Finance and marketing graduate of Brooklyn College. Former banking professional who joined Globe Life to pursue his passion for helping others. Board member of a non-profit, youth sports supporter, and community volunteer. "Helping others achieve their goals is my greatest accomplishment."
GL
Globe Life
120+ Years · A-Rated · $89.5B In Force
Globe Life has protected American families for over 120 years. Rated "Excellent" by A.M. Best for financial strength. Policies are guaranteed — they cannot be canceled as long as premiums are paid, and benefits are never reduced regardless of changes in age or health.
Client Reviews
What Families Are Saying
★★★★★
"Agent Laurekins Pardovani was very informative and knowledgeable on practically everything he spoke about. He took his time to explain everything in detail. I'm pleased with the services he provided."
— Lorry Lombard · Verified Google Review
★★★★★
"Representative Noah Lerner is knowledgeable, courteous and engaging to say the least! I consider him family! 10 / 10 rating!"
— LaDonna Paige · Verified Google Review
★★★★★
"The agent took the time to walk me through and explain each element of their policy. AWESOME. Felt like they genuinely cared about getting us the right coverage."
— Sarah Jarrett · Verified Review
Free Resource
Get Your Free Will Kit
A step-by-step guide to protecting your family's future — yours free, no strings attached. We'll walk through it together on a free 15-minute virtual consultation.
