Terms of Service

By accessing or using the Pinnacle Life Group website (pinnaclelifegrp.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Pinnacle Life Group is an independent insurance brokerage. We provide information, education, and referral services to help individuals and families evaluate life insurance options from multiple carriers. We are licensed insurance brokers, not financial advisors or attorneys.

The information provided on this website is for general informational purposes only. Nothing on this site constitutes legal, financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Pinnacle Life Group acts as an independent broker, not as an agent for any single insurance carrier. We represent our clients in the shopping process, not any specific insurance company. Coverage availability, rates, and terms are determined by the individual carriers and are subject to underwriting approval.

Any quotes or estimates provided are for illustration purposes only and do not constitute a binding offer of insurance. Final rates are determined by the carrier upon completed application and underwriting.

When using our website or services, you agree to:

• Provide accurate and complete information when requested
• Not misrepresent your identity or your insurance needs
• Use the website only for lawful purposes
• Not attempt to disrupt or compromise the security of our website

All content on this website, including text, graphics, logos, and design, is the property of Pinnacle Life Group and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

To the fullest extent permitted by law, Pinnacle Life Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising from these Terms or your use of the website shall not exceed the amount you paid us, if any, in the 12 months preceding the claim.

Our website may contain links to third-party websites, including insurance carrier websites. These links are provided for convenience only. We do not endorse, control, or accept responsibility for the content of any linked websites. Visiting third-party sites is at your own risk.

These Terms of Service are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts of Miami-Dade County, Florida.

By providing your mobile phone number and checking the corresponding consent box on any form operated by ISC Capital Partners LLC (DBA Pinnacle Life Group), you expressly consent to receive text (SMS) messages from ISC Capital Partners LLC (DBA Pinnacle Life Group) at the number provided, including messages sent using automated technology.

Program description. We offer two separate, optional SMS programs:

• Marketing SMS: promotional messages about our services, offers, and educational insurance content.
• Non-marketing (transactional) SMS: account-related notifications such as billing reminders, appointment confirmations, and policy status updates.

Consent is not a condition of purchase. You are not required to opt in to receive our services or a quote.

Message frequency & cost. Message frequency varies. Message and data rates may apply per your mobile carrier plan. ISC Capital Partners LLC (DBA Pinnacle Life Group) does not charge for these messages.

Opt-out. You may cancel SMS messages at any time by replying STOP to any message. After replying STOP, you will receive a confirmation message and no further texts unless you opt back in.

Help. Reply HELP to any message for assistance, or contact us at admin@pinnaclelifegrp.com or +1 (305) 555-0100.

Supported carriers. Available on most major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

Privacy. We do not share, sell, or lease mobile phone numbers or SMS opt-in data with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details on how we handle your information.

We reserve the right to modify these Terms of Service at any time. Changes take effect when posted to this page. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.

For questions about these Terms of Service:

• Email: admin@pinnaclelifegrp.com
• Phone: +1 (305) 555-0100
• Address: Doral, FL, United States