Disclosures and Licenses

Last Updated: July 20, 2026

Insurance License in Puerto Rico

José Llera holds an active insurance license issued by the Office of the Commissioner of Insurance of Puerto Rico for Life, Disability, and Health Insurance.

National Producer Number: 19511479

Nature of the Services

José Llera provides educational guidance regarding insurance products, annuities, and retirement-related insurance options.

The information presented on this website is general and educational. Any insurance application or purchase is completed using the official applications, policy documents, disclosures, and materials provided by the applicable insurance company.

Relationship With Insurance Companies and Compensation

José Llera may receive compensation from insurance companies when an insurance policy or other insurance product is issued.

Compensation is provided according to applicable agreements, laws, and regulations. It does not represent a separate fee added to the premium charged by the insurance company.

Product Availability

Insurance products are subject to underwriting, eligibility requirements, availability in Puerto Rico, and the terms and conditions established by each insurance company.

Premiums, coverage, benefits, limitations, exclusions, and availability may vary based on factors such as age, health, policy type, and individual circumstances.

Illustrations and Examples

Any illustration, calculation, example, or hypothetical scenario presented on this website is provided for educational purposes and does not guarantee a particular outcome.

Actual policy values, premiums, benefits, limitations, and other terms are determined by the applicable insurance contract, supporting documents, underwriting decision, and approval of the issuing insurance company.

Scope and Limitations

The information on this website does not constitute legal, tax, accounting, or investment advice.

José Llera does not provide legal services, tax preparation, accounting services, investment advisory services, or broad financial-planning services.

Insurance guidance may be provided after reviewing an individual’s needs, circumstances, current coverage, questions, and available information.

Current insurance policies may also be reviewed. When existing coverage continues to meet the individual’s needs, replacing it may not be necessary.

Licensing and Regulation

Insurance services offered through José Llera are provided within the scope of his active insurance license.

Unless expressly stated otherwise, insurance services are offered only in jurisdictions where José Llera is properly licensed.

José Llera works with insurance companies authorized to conduct business in Puerto Rico. Product availability, coverage, policy features, and benefits may vary by insurance company and according to the individual circumstances of each applicant.

Scope of Website Information

The information presented on this website is intended for general educational purposes.

Visitors should consult qualified legal, tax, accounting, or investment professionals regarding matters outside José Llera’s insurance-licensed scope.

Any discussion of an insurance option should occur only after reviewing relevant information about the individual’s needs, circumstances, current coverage, and questions.

No Guarantees

Insurance products, including annuities and other retirement-related insurance options, may involve costs, limitations, conditions, exclusions, and risks.

No insurance product, illustration, example, or educational discussion on this website guarantees a specific outcome or eliminates financial risk.

Any guarantee associated with an insurance product is subject to the claims-paying ability of the issuing insurance company and the terms and conditions of the applicable policy or contract.

Relationships With Third Parties

José Llera may receive compensation from insurance companies when insurance policies or other insurance products are issued.

This website may contain links to third-party websites. José Llera does not control and is not responsible for the content, availability, privacy practices, security, or policies of external websites.

Jurisdiction

This website is intended primarily for residents of Puerto Rico.

Insurance products and services are offered only in jurisdictions where José Llera is properly licensed.

Visitors accessing the website from another jurisdiction are responsible for determining whether the information is appropriate under the laws and regulations that apply to them.

Regulatory Information

For information about insurance regulation in Puerto Rico, visit the official website of the Office of the Commissioner of Insurance of Puerto Rico.

Questions about this disclosure or the insurance services described on this website may be submitted through the Contact page.