Disclosures

1. Agency and carrier roles

Golden Link Insurance Center is an insurance agency. The Agency is not an insurance carrier and does not underwrite policies or decide claims. Coverage is issued by the applicable carrier and is subject to that carrier’s underwriting, forms, limits, conditions, exclusions, pricing, service area, network, formulary, and availability.

2. Coverage summaries and quotes

Website descriptions are general educational summaries, not policy or plan language, and do not amend, extend, or alter coverage. Carrier-issued policy and plan documents control. A quote or contact request is not an offer and does not bind coverage. Rates, eligibility, products, discounts, benefits, and carrier participation may change and are not guaranteed.

3. Insurance—not securities or professional advice

Life insurance and annuities are described only as insurance products. The website does not offer securities, investment-advisory services, tax advice, legal advice, or medical advice and does not represent that the Agency or any person holds a securities or investment-adviser license unless separately and accurately disclosed in writing.

4. State and service-area limitations

Website information is intended for residents of California. Product availability depends on licensing, appointment, carrier requirements, location, and the applicant’s circumstances. Accessing the website does not imply that the Agency is authorized to offer insurance in another state.

5. Medicare and TPMO disclosure

Golden Link Insurance Center is not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 33 products 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.

Medicare has neither reviewed nor endorsed this information.

Medicare information on the website is general and is not a complete description of benefits. Eligibility, benefits, premiums, copayments, coinsurance, service areas, provider networks, formularies, and enrollment periods vary by plan and may change. Enrollment depends on contract renewal and the applicable plan’s rules.

Nothing on this site is an offer of insurance, and nothing on this site binds coverage.

6. ACA Marketplace disclosure

Golden Link Insurance Center is not the federal Marketplace and is not HealthCare.gov. Eligibility for premium tax credits or other savings is determined through the applicable Marketplace based on the information submitted and current law. Plan availability, networks, benefits, premiums, cost sharing, and subsidies vary.

7. Carrier appointments

Golden Link Insurance Center may not be appointed with every carrier or offer every product available in a visitor’s area.

8. Third-party enrollment and appointment services

External appointment, map, carrier, payment, and enrollment links are operated by third parties. Their eligibility rules, terms, privacy notices, accessibility, and security practices apply. A link does not change the Agency’s role or guarantee acceptance, enrollment, coverage, benefits, or pricing.

9. Communications and consent

When you contact the Agency and provide contact information, you authorize the Agency to respond about your request using the channels you select. Optional consent to receive marketing calls, texts, or emails is not a condition of purchase. Additional consent may be required for particular automated, prerecorded, artificial-voice, marketing, or Medicare-related communications. The website does not currently submit contact or quote forms or enroll visitors in an automated communication program.

10. Questions

For clarification, call +1 661 379‑7726 or email pedro@goldenlinkins.com.