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:

1. Privacy Policy

PEARL I. M. LLC Privacy Policy

Last Updated: April 4, 2026

Information We Collect:
We may collect personal information (e.g., name, contact details, Medicare ID, health information for applications) when you request quotes, submit forms, or contact us.

How We Use Your Information:

  • To provide insurance/Medicare quotes, process applications, and service your policies.

  • For compliance, underwriting, and internal analytics.

  • We do not sell your data to third parties for marketing.

Sharing Information:
We may share your data only with:

  • Licensed insurance carriers to facilitate coverage.

  • Government agencies (e.g., Medicare) as required.

  • Service providers (e.g., CRM platforms) under confidentiality agreements.

Your Rights:

  • Opt out of marketing communications.

  • Request access to or deletion of your data (subject to legal limits).

Security:
We use industry-standard measures to protect your data but cannot guarantee absolute security.

Contact Us:

For questions, email naaman@pearlimllc.com or mail ATTENTION:  Naaman Hills, 100 Shallowford Rd NW, Kennesaw, GA 30144.

2. Terms of Use

PEARL I. M. LLC Website Terms of Use

Last Updated: June 9, 2025

Acceptance of Terms:
By using this website, you agree to these Terms. If you disagree, do not use our site.

No Professional Advice:

  • Content is for informational purposes only and not financial, legal, or medical advice.

  • Insurance/Medicare product details are subject to carrier terms and approvals.

User Responsibilities:

  • Provide accurate information in applications.

  • Do not misuse site content (e.g., scraping, unauthorized redistribution).

Third-Party Links:
We are not responsible for external websites linked from our platform.

Limitation of Liability:
PEARL I. M. LLC is not liable for damages arising from site use or reliance on its content.

Changes to Terms:
We may update these Terms; your continued use constitutes acceptance.

Governing Law:
Disputes governed by laws of the applicable state.

3. Disclosures Page

PEARL I. M. LLC Disclosures

Last Updated: April 4, 2026

Licensing & Compliance:

  • Licensed insurance producer (Life, Health & Accident) in [GA, LA, TX, MS]. NPN #: 21335496.

  • AHIP-certified for Medicare education and enrollment.

Product Limitations:

  • We offer insurance and third-party contract based financial products (e.g., indexed annuities).

  • We do not sell securities (e.g., stocks, variable annuities, mutual funds).

Compensation:

  • We may receive commissions from insurers for placed policies.

  • No additional fees for Medicare plan enrollment.

Medicare:

  • Not affiliated with the U.S. government or Medicare.

  • We represent specific carriers; plan options vary by location.

Financial Products:

  • Guarantees subject to insurer’s claims-paying ability.

  • Past performance does not guarantee future results.

Contact:
For complaints or questions, contact naaman@pearlimllc.com, Centers for Medicare and Medicaid Services (CMS)  or your state insurance department.