Terms of Service

1. Who we are

Frank Hernandez (Florida insurance license no. W773696) and Elia Hernandez are licensed insurance and financial advisors. Our mailing address is 5830 SW 60 St, Miami, FL 33143.

2. Information only, not a contract

The content on this website is for general educational purposes. It is not legal, tax, or investment advice, and it does not create an insurance policy or an advisory relationship. Coverage is only in place once an application is approved and a policy is issued by an insurance carrier.

Plans, benefits, premiums, and eligibility vary by carrier, state, and individual circumstances, and may change. Examples on this site are illustrations and are not guarantees.

3. Medicare disclosure

We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the 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.

4. Contacting you

When you submit a form, book a call, or give us your phone number or email, you agree that we may contact you by phone, text, and email about your request. Message and data rates may apply. You can ask us to stop at any time, and we will honor that request.

5. Appointments

Scheduling a call through our calendar is free and carries no obligation. We may need to reschedule from time to time, and we will let you know as early as we can.

6. Accuracy of what you share

Please give us accurate and complete information. Eligibility, pricing, and coverage decisions depend on what you tell us, and inaccurate information can affect your coverage.

7. Use of this website

You may use this site for lawful, personal purposes. Please do not copy, resell, scrape, or misuse the content, or try to disrupt the site. All text, logos, and images belong to 65 Horizon or their respective owners.

8. Third-party links and tools

This site may link to or use third-party services, such as scheduling and email tools. We do not control those services and are not responsible for their content or practices.

9. Limitation of liability

This website is provided "as is." To the fullest extent permitted by law, we are not liable for any loss arising from your use of the site or reliance on its general information. Nothing here limits any rights you have under applicable insurance or consumer protection laws.

10. Governing law

These terms are governed by the laws of the State of Florida.

11. Changes

We may update these terms from time to time. The date at the top shows when they were last changed. Continued use of the site means you accept the updated terms.

12. Contact us

Questions about these terms? Reach us at [email protected] or by mail at 5830 SW 60 St, Miami, FL 33143. See also our Privacy Policy at /privacy.