Disclosures

Licensing

Panorama Insurance & Financial Services Inc. is a licensed independent insurance agency. We are licensed to sell insurance in the states where we conduct business, including all 50 U.S. states for applicable product lines. Not all products are available in all states. Licensing information is available on request.

Independent agency & compensation

As an independent agency, we represent multiple insurance carriers rather than a single company. We are typically compensated by the carriers through commissions when you purchase a policy. This does not increase your premium — your price is the same whether you purchase through us or directly from the carrier. We are committed to recommending products that are suitable for your needs.

Carrier ratings

Carrier ratings referenced on this site (such as AM Best and S&P) are provided by third parties, are illustrative, and are subject to change. Ratings reflect an agency's opinion of a carrier's financial strength and are not a guarantee.

Medicare

We do not offer every plan available in your area. Any information we provide is limited to the plans we offer. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP), to get information on all of your options.

Not financial or tax advice

Information about tax-advantaged strategies (such as IUL, annuities, 401(k) and Defined Benefit plans) is general and educational. Consult your CPA or tax advisor regarding your specific situation before acting.