Draft for review. Not yet published. This draft is good-faith plain-language copy, not legal advice. Have an attorney (ideally one who knows TCPA, A2P 10DLC, and insurance advertising rules) review it before it goes live.
Truth Insurance Group, a DBA of Truth Excellence Group LLC
Effective date: October 2026
Last updated: October 2026
These Terms cover (1) our text messaging program and (2) your use of our websites and landing pages. By opting in to texts or using our site, you agree to these Terms and to our Privacy Policy.
Truth Insurance Group Life Insurance Messages
When you opt in, you'll get text messages from Truth Insurance Group and its agent, Darelle Davis ("da Truth"), an independent licensed life insurance agent based in Las Vegas, NV. The messages relate to your life insurance inquiry (for example, final expense or mortgage protection coverage). They may include:
You can opt in by checking the SMS consent box on our website form or on our Facebook/Instagram lead form, or by texting us first at (725) 765-3461. The SMS consent box is optional and isn't checked for you.
You don't have to agree to receive texts to buy any product or service from us. If you'd rather not get texts, you can call or email us instead.
Some messages are sent with automated technology. Some replies are written and sent by an AI-powered assistant acting for Darelle Davis to answer basic questions, ask qualifying questions, and book appointments. The AI assistant doesn't give insurance advice and can't bind coverage. You can ask to speak with a person at any time.
Message frequency varies depending on your request and your conversation with us.
Msg & data rates may apply. Check your mobile plan for details. We don't charge you for texts.
Reply STOP to any message to cancel at any time. CANCEL, END, QUIT, UNSUBSCRIBE, STOPALL, REVOKE, and OPTOUT also work, and so does any reasonable request like "stop texting me." You'll get one message confirming you're unsubscribed. After that, we won't text you unless you opt in again by replying START.
Reply HELP (or INFO) for help. You can also call (725) 765-3461 or email [email protected].
We send texts only between 8:00 AM and 9:00 PM in your local time zone, or within any narrower hours your state's law requires. Two exceptions: direct replies to a message you just sent us, and automatic STOP/HELP confirmations, which may come right away.
Carriers are not liable for delayed or undelivered messages. Supported carriers include major U.S. wireless carriers. Delivery isn't guaranteed.
If you change or give up your mobile number, please reply STOP from that number first, or tell us. We handle your information as described in our Privacy Policy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.
We may change or end the program. If we do, we'll update these Terms. Where required, we'll tell you by text.
Content on our site, in our ads, and in automated or AI-assisted messages is general information only. It's not insurance, legal, tax, or financial advice. You'll get a recommendation only after a licensed agent reviews your personal situation with you.
Any quote, rate, or price range you see or receive is an estimate. It isn't an offer of coverage. Your final premium and eligibility are set by the insurance carrier after it reviews your application, which may include your health history, prescription history, and other underwriting information. Coverage starts only when the carrier approves your application, issues the policy, and receives your first premium, under the terms of that policy.
Products, features, benefits, and pricing vary by state and carrier and may not be available everywhere. We can offer coverage only in states where our agent is licensed and only from carriers we're appointed with.
Truth Insurance Group is a private, independent insurance agency. We are not affiliated with or endorsed by any government agency, Medicare, Social Security, the VA, or any program of the federal or state government. We're also not affiliated with your mortgage lender or servicer.
Please give us accurate information. Incorrect information on an insurance application can lead to a denied claim or a canceled policy. Don't use our site for any unlawful purpose, and don't submit information about someone else without their permission.
Our site may link to or use third-party services, such as carrier websites, calendars, and social media. We don't control those services and aren't responsible for their content or practices.
The content on our site, including text, graphics, logos, and the "da Truth" and Truth Insurance Group names, belongs to Truth Excellence Group LLC or its licensors. You may not copy or reuse it without our permission.
Our site and its content are provided "as is" and "as available," without warranties of any kind, to the fullest extent the law allows. We don't promise that the site will be error-free or always available.
To the fullest extent the law allows, Truth Excellence Group LLC (dba Truth Insurance Group), Darelle Davis, and their affiliates and service providers are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our site or messaging program. Our total liability for any claim related to the site or messaging program is limited to $100. Some states don't allow certain limitations, so some of these limits may not apply to you. Nothing in these Terms limits any rights you have under an insurance policy issued by a carrier, or any rights that can't be waived by law.
These Terms are governed by the laws of the State of Nevada, without regard to its conflict-of-law rules. Any dispute will be handled in the state or federal courts located in Clark County, Nevada, unless the law of your state requires otherwise.
We may update these Terms from time to time. The "Last updated" date shows when they last changed. If you keep using our site or messaging program after a change, you accept the updated Terms.
Truth Insurance Group (a DBA of Truth Excellence Group LLC)
Darelle Davis ("da Truth"), Independent Licensed Life Insurance Agent
NPN 18561259 · Nevada Resident License 3279838
Affiliated with UIG (Unlimited Investors Group)
Las Vegas, NV
Phone/Text: (725) 765-3461
Email: [email protected]
Licensed in Nevada (resident) and Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming (non-resident).