Terms & Conditions
Last updated: July 11, 2026
These Terms and Conditions ("Terms") govern your use of sovereignlifegroup.net (the "Site"), operated by Sovereign Life Group ("we," "us," or "our"), and your communications with us. By using the Site or submitting your information, you agree to these Terms. If you do not agree, please do not use the Site.
Informational purposes only
The content on this Site is provided for general educational and informational purposes only. It is not financial, tax, legal, or investment advice, and it is not a recommendation to buy any specific product. You should consult a licensed professional about your own situation before making a decision.
Insurance products
Sovereign Life Group is a licensed life insurance agency. Joseph McDermott is a licensed life insurance agent (NPN 22121673), brokered through Family First Life, in partnership with Catalyst Life. Any quotes, illustrations, or figures shown are estimates only, are not an offer or guarantee of coverage, and are subject to underwriting, carrier approval, and applicable state availability. Annuities and life insurance are insurance products, are not FDIC insured, and are not bank deposits. Guarantees are subject to the claims-paying ability of the issuing insurance company. Surrender charges, caps, participation rates, and other terms apply and vary by product and state.
Eligibility
You must be at least 18 years old and able to enter a binding agreement to use the Site or request a quote.
Consent to be contacted (calls and texts)
When you submit your information and provide your phone number, you agree that we and our licensed agents may contact you at the number and email you provide, including by automated phone technology, prerecorded messages, and text messages, about your request and related insurance and retirement products. This consent is not a condition of any purchase. Message frequency may vary, and message and data rates may apply. You can opt out of text messages at any time by replying STOP, or reply HELP for help. Standard carrier terms apply. Our collection and use of your information is described in our Privacy Policy.
Your responsibilities
- Provide accurate information when you contact us or request a quote.
- Use the Site only for lawful purposes and not to disrupt or misuse it.
- Do not attempt to access areas of the Site you are not authorized to use.
Intellectual property
The Site and its content, including text, graphics, logos, and design, are owned by or licensed to Sovereign Life Group and are protected by law. You may not copy, reproduce, or distribute our content without our written permission.
Third-party links
The Site may link to third-party websites or tools that we do not control. We are not responsible for their content, products, or privacy practices. Accessing them is at your own risk.
Disclaimer of warranties
The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or uninterrupted availability, to the fullest extent permitted by law.
Limitation of liability
To the fullest extent permitted by law, Sovereign Life Group and its agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content.
Governing law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute will be handled in the state or federal courts located in Florida, unless otherwise required by law.
Changes to these Terms
We may update these Terms from time to time. The updated version will be posted here with a new "last updated" date. Your continued use of the Site means you accept the current Terms.
Contact us
Sovereign Life Group
Email: joseph@sovereignlifegroup.net
Phone: (786) 977-4192
Miami, Florida · NPN 22121673