Please read carefully before using this website or submitting any information.
By accessing, browsing, or submitting information on protectedbysarah.life, 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. If you do not agree to these Terms, please do not use this website.
This website is owned and operated by:
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 under applicable state law.
Nothing on this website constitutes an offer to provide insurance coverage, a binding insurance contract, or a guarantee of coverage. All insurance products discussed or referenced on this website are subject to:
Coverage availability, eligibility, and premium rates vary by individual and state. Actual coverage is determined solely by the terms of the insurance policy issued.
All content on this website — including descriptions of insurance products, coverage amounts, premium examples, statistics, and educational materials such as the Legacy Will Kit and Child Safe Kit — is provided for general informational and educational purposes only. It does not constitute legal, financial, tax, or professional advice. You should consult with qualified independent professionals for advice specific to your personal situation.
The Legacy Will Kit, Child Safe Kit, and any other free resources made available through this website are provided as a courtesy to the community. By requesting any free resource, you acknowledge and agree that:
By submitting a form on this website and actively checking the SMS consent checkbox, you expressly provide prior written consent to receive SMS text messages from Sarah Flor with Globe Life regarding your inquiry, including:
Message frequency may vary. Message and data rates may apply. Reply STOP to unsubscribe at any time. Reply HELP for assistance. Consent is not a condition of purchase.
This consent program complies with the Telephone Consumer Protection Act (TCPA). We do not use automated dialing systems for SMS without prior express written consent. We do not share your phone number with third parties for their marketing purposes.
By submitting your name, phone number, email address, or other personal information through any form on this website, you:
We make reasonable efforts to ensure that the information on this website is accurate, current, and complete. However, we make no representations or warranties, express or implied, regarding the accuracy, completeness, reliability, or timeliness of any content. Insurance products, premium rates, eligibility requirements, and regulatory requirements are subject to change without notice. Always verify current information with a licensed insurance agent before making any coverage decisions.
All content on this website — including text, graphics, logos, images, photographs, icons, audio clips, data compilations, and software — is the property of Sarah Flor or its content suppliers and is protected by applicable United States and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any content on this website without prior written permission.
This website may link to or integrate with third-party services including:
We are not responsible for the privacy practices, security, terms of service, or content of any third-party websites. Your use of third-party services is entirely at your own risk and governed by those services’ respective terms and policies.
This website is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including but not limited to:
To the fullest extent permitted by applicable law, Sarah Flor, Globe Life, American Income / National Income Division, and their respective officers, directors, employees, agents, licensors, and service providers shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:
You agree to indemnify, defend, and hold harmless Sarah Flor, Globe Life, American Income / National Income Division, and their respective affiliates, officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms and Conditions, your use or misuse of this website, or your infringement of any intellectual property or other rights of any third party.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. You consent to the exclusive personal jurisdiction of the state and federal courts located in New York for any dispute, claim, or action arising from or related to these Terms. Any cause of action arising out of or related to these Terms must be commenced within one (1) year after the cause of action accrues.
We reserve the right to update, modify, or replace these Terms and Conditions at any time in our sole discretion. Changes become effective immediately upon posting to this page. The “Last Updated” date at the top of this page will reflect the most recent revision. Your continued use of this website following any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
If any provision of these Terms and Conditions is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect.
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Sarah Flor regarding your use of this website, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
For questions or concerns regarding these Terms and Conditions, please contact:
Insurance Solicitation Disclosure: 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. This website constitutes an insurance solicitation.