Skip to main content
PEARL I. M. LLC
PEARL I. M. LLC

"Financial freedom is available to those who learn about it and work for it."-Robert Kiyosaki

PEARL I. M. LLC
PEARL I. M. LLC
  • Home
  • About Us
  • Our Services
  • Blog
  • HealthCare Marketplace - Individuals
  • Employee Benefits
    • Learn More
  1. Home
  2. »Get Started
LinkedIn

PEARL I. M. LLC is a financial services firm specializing in life insurance, health insurance, Medicare, and fixed insurance-based financial strategies.

Insurance & Medicare Disclosures:

  • We are licensed insurance producers (Life, Health & Accident) and AHIP-certified to educate and assist with Medicare Advantage, Medicare Supplement, and Part D plans.
  • We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your region. Please contact Medicare.gov or 1-800-MEDICARE to compare all options.

Major Medical Health Insurance (Under 65) & Supplemental Benefits Disclosures:

  • We offer major medical health insurance plans for individuals and families under age 65, including ACA-compliant plans where applicable. We also offer supplemental benefits such as accident, critical illness, disability, hospital indemnity, and dental/vision plans.
  • These products may have limitations, exclusions, and waiting periods. Coverage is not guaranteed issue unless otherwise stated. Supplemental benefits are not a substitute for major medical coverage.
  • We do not represent all carriers or all plans available in your area. Plan availability, benefits, and premiums vary by state and eligibility. You may qualify for subsidies or special enrollment periods; we can help determine eligibility but refer you to Healthcare.gov or your state marketplace for official enrollment and comparison of all available plans.

Financial Planning & Investment-Related Disclosures:

  • We assist clients with third party-based financial products (such as fixed annuities, indexed annuities, and life insurance with cash value).
  • We are not registered as a securities broker-dealer, investment advisor, or affiliated with a Registered Investment Advisor (RIA).
  • We do not sell securities, variable annuities, mutual funds, or stocks/bonds. Any investment-related advice is limited to facilitating third-party contracts with financial companies.

General Compliance & Legal:

  • Guarantees are based on the claims-paying ability of the issuing insurance company.
  • Not affiliated with or endorsed by the U.S. government, Medicare, Social Security Administration, or any state or federal health insurance marketplace.
  • Consult with a qualified tax or legal professional before making any financial decisions.

Privacy & Terms:

Privacy Policy | Terms of Use | Disclosures

© 2025 PEARL I. M. LLC.  All rights reserved.
Powered by Webador