1. Privacy Policy

PEARL I. M. LLC Privacy Policy

Last Updated: June 9, 2025

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, 2754 68th Ave, Baton Rouge, LA 70807.

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 Louisiana.

3. Disclosures Page

PEARL I. M. LLC Disclosures

Last Updated: June 9, 2025

Licensing & Compliance:

  • Licensed insurance producer (Life, Health & Accident) in [LA, TX, MS]. License #: 1153696.

  • AHIP-certified for Medicare education and enrollment.

Product Limitations:

  • We offer insurance and fixed financial products (e.g., fixed 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.