ABOUT
PEARL I. M. LLC
Guidance for Life’s Important Decisions
At PEARL I. M. LLC, we believe important financial, healthcare, and benefits decisions should begin with understanding—not pressure.
Our purpose is to help individuals, families, Medicare beneficiaries, and employers better understand their options, evaluate what fits their needs, and make informed decisions with confidence.
Whether you are navigating health coverage, Medicare, employee benefits, life protection, or retirement income strategies, PEARL provides education, guidance, and personalized support throughout the process.
Understand Your Options. Protect What Matters. Plan with Confidence.
What PEARL I. M. Means
Our name represents the areas of financial well-being we help clients understand, protect, and manage.
P rotection
E ntitlements
A ssets
R etirement
L ife
I ncome
M anagement
MEET THE FOUNDER
Naaman Hills
Founder, PEARL I. M. LLC
PEARL I. M. LLC was founded on a simple belief: people deserve someone willing to listen before recommending a solution.
Naaman Hills brings a problem-solving mindset developed through decades of technical and professional experience to helping individuals, families, Medicare beneficiaries, and employers navigate important insurance, healthcare, benefits, and retirement decisions.
That experience helped shape the PEARL approach—understand the situation, explain the options clearly, evaluate how the pieces work together, and help identify a practical path forward.
Today, Naaman serves as a licensed insurance professional with an education-first, consultative approach focused on helping clients make informed decisions with confidence.
The goal isn't simply to provide a product. It's to provide understanding, guidance, and support.
WHAT MAKES PEARL DIFFERENT
Guidance Built Around You
At PEARL I. M. LLC, we believe good guidance begins with understanding the person, family, or business behind the decision.
Education First
We explain your options in straightforward language so you can understand what you're considering and why it matters.
A Broader View
Healthcare, protection, benefits, life insurance, and retirement decisions can affect one another. We consider how the pieces fit together.
Personalized Guidance
There is no one-size-fits-all solution. Recommendations begin with your circumstances, priorities, and goals.
Solutions, Not Sales
Products are tools—not the starting point. We focus on identifying solutions that fit the need rather than forcing the need to fit a product.
Ongoing Support
Needs change. Businesses grow. Families evolve. Regulations change. PEARL strives to remain a resource as new questions and decisions arise.
Understand first. Decide with confidence.
WHO WE SERVE
Personalized guidance for individuals, families, Medicare beneficiaries, and employers.
PEARL serves people and businesses at different stages, with different needs and different goals. We take the time to understand where you are today and help you explore solutions designed around what matters most to you.
Individuals & Families
Coverage and protection for every stage of life.
From health coverage and supplemental benefits to life protection and retirement income strategies, PEARL helps individuals and families understand their options and make informed decisions based on their needs, priorities, and goals.
Understand your options. Protect what matters.
Medicare
Clarity and guidance for your Medicare journey.
Medicare comes with important choices. PEARL helps you understand how Medicare works, explore available coverage options, and evaluate plans based on your healthcare needs, preferences, and priorities.
Whether you're approaching Medicare eligibility or reviewing your current coverage, we provide education and personalized guidance to help you make informed decisions with confidence.
Understand Medicare. Know your options. Choose with confidence.
Employers
Smart benefit solutions. Stronger businesses.
PEARL helps employers explore health and employee-benefit solutions designed to support their workforce while considering the needs, goals, and budget of the business.
From major medical coverage and supplemental benefits to employee education and implementation support, we help simplify the process and provide guidance along the way.
Support your people. Strengthen your business.
