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Terms

Terms and conditions

Effective November 5, 2026. These terms cover use of this website. They are written in plain language and are not a policy of insurance.

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This website is operated by Javier Consulting Services, 1137 Porter Ave NW, Palm Bay, FL 32907. Javier Garcia Insurance is the brand clients use.

Not a binder

Nothing on this site is an offer of coverage, a binder, or a guarantee that a carrier will accept you. A premium you see in an old ad, or a sample you remember, is not your price. Coverage starts only when the carrier confirms it in writing and any required premium is paid.

Quotes and calls

The quote form is a request for a conversation. By checking the box next to the submit button, you agree that we may call or text the number you entered about that request, including with an automatic telephone dialing system or a prerecorded voice. Consent is not a condition of buying a policy. Do not submit someone else’s information.

Medicare

This office is appointed with all Medicare carriers in Florida. The Medicare notice in the footer of every page is the required TPMO disclaimer. Organization and plan counts are filled in only after they are confirmed. For help with plan choices, use Medicare.gov or call 1-800-MEDICARE.

No tax or legal advice

Pages on this site explain insurance in everyday words. They are not tax advice, legal advice, or a promise of savings. Annuity and Medicare choices have rules that depend on your facts. We confirm those on the call.

Florida law

These terms are governed by the laws of the State of Florida. Questions can go to javierconsulting77@gmail.com or (321) 429-1182.