Disclosures & Educational Notice

Last updated: May 2026. Please read these disclosures carefully. They explain the nature of this website, the limits of the information provided, and important legal notices for visitors in California, San Diego County, and elsewhere in the United States.

Operator and licensing. Insurance education and insurance services on this website are offered by Miriam Perez Vazquez, a licensed insurance professional in the State of California (CA License #4545779), with a business presence in Chula Vista, California, serving clients throughout San Diego County. Licensing authorizes insurance activities only in jurisdictions where the license is valid. Unless otherwise disclosed, insurance products discussed relate to offerings available to California residents.

Insurance services offered by a licensed California insurance professional. Not affiliated with or endorsed by Medicare or any government agency. Product availability and eligibility vary by carrier, state, and individual circumstances.

Independent agent disclosure. Miriam Perez Vazquez is an independent insurance professional and is not an employee of any insurance carrier, Medicare, Medi-Cal, Social Security, or any federal or state government agency. She may represent, broker, or place coverage with multiple insurance companies. Compensation may be paid by carriers in the form of commissions or other customary insurance compensation when a policy is placed. Carrier relationships, appointments, and product availability change over time and vary by product type and location.

Educational purpose only. This website provides general insurance education and introductory guidance. It is not a substitute for reading policy contracts, Summary of Benefits, Evidence of Coverage, or carrier illustrations. Nothing on this site creates an attorney-client, doctor-patient, fiduciary, or guaranteed-insurability relationship.

No professional advice. Content on this site does not constitute tax, legal, investment, securities, financial planning, or medical advice. You should consult qualified professionals for those matters. Annuity and retirement discussions here are educational and insurance-focused; variable products and securities require appropriate separate licensing and are not offered through this site unless explicitly stated.

No quote, guarantee, or application. Examples, scenarios, benefit descriptions, and premium discussions are illustrative only. Actual premiums, benefits, exclusions, waiting periods, and underwriting decisions are determined by the issuing carrier after full application and review. Submitting a contact form or speaking with us does not bind coverage, guarantee approval, or lock in a rate.

Product availability. Insurance products mentioned—including life insurance, Medicare Supplement (Medigap), supplemental health, hospital indemnity, critical illness, accident, long-term care, final expense, and fixed or indexed annuities—may not be available in all areas or to all applicants. Eligibility, plan design, and pricing depend on age, health, location, carrier appetite, and applicable state and federal rules.

Medicare disclaimer. Medicare Supplement (Medigap) and Medicare-related content on this site is for educational purposes only. We are not affiliated with, endorsed by, or acting on behalf of the U.S. government or the Centers for Medicare & Medicaid Services (CMS). For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (TTY: 1-877-486-2048).

Medicare plan availability (TPMO notice). 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, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP)—in California, the Health Insurance Counseling & Advocacy Program (HICAP) at 1-800-434-0222—to get information on all of your options.

Medi-Cal and Medicaid. References to Medi-Cal, Medicaid, or public benefits are general and not legal or eligibility determinations. Medicaid rules are complex and change frequently. Consult the California Department of Health Care Services, your county eligibility office, or a qualified attorney before making decisions that could affect public benefits.

Long-term care and estate planning. Long-term care insurance discussions may overlap with Medi-Cal spend-down rules, estate planning, and powers of attorney. We provide insurance education and licensed insurance placement only; we do not provide legal or Medicaid planning services. Consult qualified elder-law or estate-planning attorneys for those topics.

Annuities and retirement products. Annuities involve insurer financial strength, surrender charges, fees, and contract limitations. Guarantees are subject to the claims-paying ability of the issuing insurance company. Past performance or hypothetical illustrations are not guarantees of future results. Read all disclosure documents before purchasing.

Testimonials and examples. Any client scenarios described on this site are composite or illustrative unless explicitly identified as a specific testimonial with permission. Individual experiences vary.

Third-party websites. Links to external sites (including Medicare.gov, carrier sites, or government resources) are provided for convenience. We do not control and are not responsible for third-party content, availability, or privacy practices.

Limitation of liability. To the fullest extent permitted by law, San Diego Insurance Advisor, Miriam Perez Vazquez, and affiliated parties disclaim liability for any loss or damage arising from reliance on website content, technical errors, outdated information, or delays in responding to inquiries. Use of this site is at your own risk. Nothing herein limits liability that cannot be limited under California law, including willful misconduct where applicable.

Accuracy and updates. We strive to keep information current but make no warranty that content is complete, accurate, or up to date. Insurance laws, carrier products, and Medicare rules change. Confirm all material facts with official carrier documents and current program guidance before enrolling.

Intellectual property. Site text, branding, and original materials are protected by applicable copyright and trademark laws. You may not reproduce or republish content for commercial use without written permission.

Governing law. These disclosures and use of this website are governed by the laws of the State of California, without regard to conflict-of-law principles, except where federal law applies (including Medicare marketing standards).

Regulatory complaints. California consumers may contact the California Department of Insurance (insurance.ca.gov; 1-800-927-4357) with questions or complaints about licensed insurance professionals. Medicare beneficiaries may also contact 1-800-MEDICARE regarding Medicare-related marketing concerns.

Questions. For clarification about these disclosures, call 619-845-2164 or use the contact page on this site.