Disclaimer

General Disclaimer

The information on luminariefinancial.com is provided for general educational purposes only and does not constitute insurance, financial, legal, or tax advice. Individual circumstances vary, and you should consult with a licensed advisor before making any insurance or financial decision.

Not Affiliated with Any Government Agency

Luminarie Financial Corporation is a licensed, private insurance agency. We are not connected with or endorsed by the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or the Social Security Administration.

Medicare Marketing Disclosure

We do not offer every plan available in your area. Currently we represent a select group of carriers, including UnitedHealthcare, Anthem Blue Cross, Blue Shield, SCAN, Alignment Healthcare, Humana, Wellcare, Molina Healthcare, Imperial Health Plan, UCLA Health, and others, which offer Medicare Advantage, Medicare Supplement, and Medicare Part D products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Licensed Insurance Producer

Luminarie Financial Corporation is a licensed insurance producer, National Producer Number (NPN) 21044262. See our Licensing page for the states in which we are currently licensed.

Errors & Omissions Insurance

Luminarie Financial Corporation maintains Errors & Omissions (E&O) insurance coverage applicable to the agency and its licensed agents. This coverage is intended to provide financial protection in the event of an alleged error, omission, or negligent act in connection with the insurance and financial services we provide. Maintaining E&O coverage does not create, expand, or guarantee any specific outcome, benefit, or result, and does not replace or modify the terms, conditions, or limitations of any insurance policy issued by a third-party carrier.

No Guarantee of Results

Any testimonials, examples, or projected outcomes referenced on this Site reflect individual experiences and are not a guarantee of future results. Insurance premiums, plan availability, and eligibility vary by carrier, state, and individual circumstances.

• Coverage and pricing are subject to underwriting and carrier approval.
• Product availability varies by state and is subject to change.
• Past performance of any strategy does not guarantee future results.

Contact Us

Questions about this Disclaimer? Contact us at contact@luminariefinancial.com or (949) 288-8898.