Disclosures

Insurance products are offered through HLOM Insurance Agency LLC, a licensed insurance agency. Agency License 3003629015. Hector Osorio, N.P.N 21211569. This page is a general summary and is not a contract of insurance. Only the issued policy determines the terms, conditions, limits and exclusions of coverage.

Indexed Universal Life (IUL) products are life insurance, not investments. Cash value is subject to charges, caps and participation rates, and is not guaranteed. Illustrated values are not a projection of future results.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

This site is not affiliated with, sponsored by, or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), the Health Insurance Marketplace, the U.S. Department of State, USCIS, or any other government agency.

Services in this section are not insurance products and are not covered by any policy.

We are not attorneys and cannot provide legal advice. Document preparation and business registration are administrative form-filing services based solely on the information you provide to us.

NOTICE: I am not a licensed attorney or representative of any government agency with authority over immigration or citizenship and, therefore, cannot offer legal advice about immigration or any other legal matters.

ACCIDENT NOTICE: We are not public adjusters or attorneys. We help you understand your policy and organize and submit your own paperwork. We do not negotiate settlements, appraise damages, or represent clients against insurers.

We do not guarantee specific outcomes, refund amounts, credit approval, credit scores, or government processing times.