Disclosures
Last Updated: July 1, 2026
Perle & Co. ("Perle & Co.," "we," "us," or "our") provides general educational information about Medicare, retirement protection, long-term care planning, life insurance, Social Security timing, and related insurance topics.
This Disclaimer explains important limits on the use of this website. It is intended to be a practical website disclaimer, not a full service agreement.
The information on this website is provided for general educational and informational purposes only. We work to keep the website accurate and useful, but we do not guarantee that all information is complete, current, or applicable to your individual circumstances. Insurance rules, Medicare rules, carrier offerings, plan details, premiums, underwriting requirements, availability, and laws may change.
You should not make insurance, Medicare, retirement, tax, legal, investment, health care, or public-benefits decisions based only on general website content.
When Perle & Co. provides individualized insurance guidance, it is provided through appropriately licensed insurance professionals and only where we are licensed, appointed, and authorized to do so.
Perle & Co. is an insurance brokerage. We do not provide legal, tax, accounting, investment advisory, securities, medical, Medicaid, estate-planning, or public-benefits advice. For those issues, please consult the appropriate professional.
Perle & Co. is not connected with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services, the Department of Health and Human Services, or any state Medicaid agency.
Perle & Co. may help clients understand Medicare options and enroll in Medicare-related coverage when appropriate. We do not offer every plan available in every area. The Medicare organizations and products we represent vary by county, state, plan year, and carrier appointment. A licensed Perle & Co. representative can provide the current organization and product count for your service area before discussing plan benefits. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Where required, Perle & Co. will provide the applicable Medicare third-party marketing organization disclosure with the current organization and product counts for your service area before discussing Medicare Advantage or Part D plan benefits.
Insurance products are subject to the terms, conditions, limitations, exclusions, underwriting, availability, and claims-paying ability of the issuing insurance company. Official carrier materials and policy documents control.
Life insurance, long-term care insurance, hybrid life/LTC products, fixed annuities, MYGAs, and similar insurance products are not bank deposits, are not FDIC-insured, are not insured by any federal government agency, and are not guaranteed by any bank or credit union.
Perle & Co. may provide Social Security timing guidance or analysis. This information is based on assumptions, client-provided information, current program rules, and available benefit estimates. Perle & Co. is not affiliated with or endorsed by the Social Security Administration, and we do not guarantee any claiming result, benefit amount, tax result, survivor benefit, or future rule treatment.
Fees may apply for Social Security advice, timing guidance, or analysis. Any applicable fee will be disclosed before the service is provided.
Long-term care planning information on this website is general and educational. Perle & Co. may help clients understand insurance options that can help address long-term care risk.
We do not provide Medicaid planning, Medical Assistance planning, elder-law advice, estate-recovery advice, asset-protection advice, spend-down advice, or legal advice. Those issues should be reviewed with a qualified elder-law attorney, tax professional, or other appropriate professional.
Some conversations with Perle & Co. may be offered at no cost. Fees apply for Social Security advice, timing guidance, or analysis, and any applicable fee will be disclosed before the service is provided. For insurance services, Perle & Co. may receive compensation from insurance carriers if you apply for, enroll in, or purchase coverage through us. Perle & Co. may also pay or receive referral, marketing, lead, or similar fees where permitted by law.
Visiting this website, reading content, submitting a general contact form, or booking an initial conversation does not by itself create a client relationship, fiduciary relationship, advisory relationship, or professional-client relationship.
A client relationship is formed only when Perle & Co. agrees to assist you and, where applicable, required forms, disclosures, authorizations, applications, scope-of-appointment forms, or other necessary documentation have been completed.
This website may contain links or references to third-party websites, professionals, carriers, government resources, calculators, articles, or other external materials. These are provided for convenience and education only.
Perle & Co. does not control third-party websites or third-party professionals and is not responsible for their content, accuracy, availability, privacy practices, products, services, or advice. A link or referral does not necessarily mean Perle & Co. endorses that third party or is responsible for that third party's work.
This website may include testimonials, reviews, ratings, or client comments. These reflect individual experiences and should not be understood as guarantees of future results, savings, coverage, claims approval, underwriting approval, enrollment outcome, financial outcome, or satisfaction.
Perle & Co. does not pay clients for reviews or testimonials.
General website forms are not intended for sensitive personal information. Please do not submit Medicare numbers, Social Security numbers, financial account numbers, medical records, prescription lists, tax records, or other sensitive personal information through a general website form unless Perle & Co. specifically provides a secure method for doing so.
The content on this website, including text, graphics, logos, page design, and other materials, is owned by or licensed to Perle & Co. unless otherwise stated. We respect intellectual-property rights. If you believe any content on this website violates your rights, please contact us.
We may update this Disclaimer from time to time. The "Last Updated" date above will reflect the latest version. Your continued use of this website after changes are posted means you accept the updated Disclaimer.
Perle & Co.
Email: rafael@perleandcompany.com
Contact form: https://perleandcompany.com/contact
For legal and business record purposes, Perle & Co. is a registered assumed name / DBA of Harvey Perle LTD.
Perle & Co. is an independent insurance brokerage helping people with Medicare, retirement income protection, long-term care planning, life insurance, Social Security timing, and related insurance decisions. 2026 Perle & Co. Insurance guidance, not tax or legal advice.
Licensed insurance brokerage. Product availability, licensing, and appointments vary by state.