Privacy Policy
Aguilera & Associates Insurance Services
Last updated: November 7, 2026
1. Who We Are
Aguilera & Associates Insurance Services ("we," "us," "our") is an independent insurance agency licensed by the California Department of Insurance (License #0B01700), located at 6620 Coyle Ave, Suite 120, Carmichael, CA 95608. This Privacy Policy explains how we collect, use, and protect your information when you visit aainsuranceservices.com, request a consultation, call us, or communicate with us by text message or email.
2. Information We Collect
We collect information you choose to give us, such as:
- Your name, phone number, email address, and mailing address
- Your date of birth, ZIP code, and current coverage details needed to compare plans
- Messages you send us through forms, chat, phone, text, or email
When you visit our website we also automatically collect basic technical data such as IP address, browser type, pages viewed, and referring pages, using cookies and similar tools.
3. Health Information
To help you compare Medicare, health, life, or final expense coverage, you may share health-related details such as your medications, doctors, or Medicare enrollment status. We use this information only to help you review and apply for coverage you request, and we share it only with the insurance carriers you choose to apply with. We do not sell health information.
4. How We Use Your Information
- Respond to your questions and schedule consultations
- Compare plans and help you apply for coverage you request
- Send appointment confirmations, reminders, and policy or service updates
- Send occasional informational or promotional messages if you have opted in
- Meet our legal, licensing, and regulatory obligations
- Improve our website and services
5. Text Messaging (SMS) Program
If you check an SMS consent box on our website or otherwise give us permission, we may send you text messages about your consultation, appointments, policy service, and, if you separately agree, occasional offers. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time or HELP for help. Consent to receive texts is not a condition of purchase. See our Terms & Conditions for full SMS program details.
6. Your Mobile Information Is Not Shared
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
7. How We Share Information
We do not sell your personal information. We share it only as needed to serve you:
- With insurance carriers you choose to receive quotes from or apply with
- With service providers who help us operate (such as scheduling, CRM, phone, email, and messaging platforms), who may use it only to provide services to us
- When required by law, regulation, subpoena, or to protect our rights and safety
8. Cookies and Analytics
Our website uses cookies and similar technologies to keep the site working and to understand how visitors use it. You can control cookies through your browser settings. Disabling cookies may affect some site features.
9. Data Security and Retention
We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is 100% secure. We keep information only as long as needed for the purposes above or as required by insurance record-keeping laws.
10. Your California Privacy Rights
California residents may request access to, correction of, or deletion of their personal information, and may opt out of the sale or sharing of personal information (we do not sell personal information). To make a request, contact us using the details below. We will not discriminate against you for exercising your rights. Certain insurance information is also protected under the California Insurance Information and Privacy Protection Act.
11. Children's Privacy
Our website and services are not directed to children under 13, and we do not knowingly collect information from children.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date above shows the latest revision.
13. Contact Us
Aguilera & Associates Insurance Services
6620 Coyle Ave, Suite 120, Carmichael, CA 95608
Phone: (800) 897-1058
CA License #0B01700
Privacy Policy
Privacy Policy
Aguilera & Associates Insurance Services values the privacy of your communication and is committed to safeguarding your SMS contact and content data. We do not sell or share SMS contact or content data with third parties.
Collection and Use of SMS Data
When you communicate with Aguilera & Associates Insurance Services via SMS, we may collect information such as:
✔ Your phone number
✔ The content of your messages
✔ Responding to your inquiries
✔ Providing customer support
This information is used solely for the following purposes:
We will not use your SMS data for any other purpose without your written consent.
Protection of SMS Data
Aguilera & Associates Insurance Services employs industry-standard security measures to protect SMS data from unauthorized access, disclosure, alteration, or destruction. We are dedicated to ensuring the confidentiality and integrity of your SMS communications.
Disclosure of SMS Data
Aguilera & Associates Insurance Services does not disclose SMS contact or contentdata to third parties unless:
✔ Required by law
✔ Necessary to protect the rights, property, or safety of Aguilera & Associates Insurance Services, its users, or others
✔ Your Rights
User rights/You have the right to:
Access, correct, or delete your SMS contact or content data, except where retention is required by law
For assistance or to exercise your rights, please contact us at Aguilera & Associates Insurance Services.
Retention policy
CMS (Center for Medicare & Medicaid Services) requires agents, agencies and General Agents to retain completed Scope of Appointment (SOA) forms for a minimum of 10 years
Changes to this SMS Privacy Policy
Aguilera & Associates Insurance Services reserves the right to update or modify this SMS Privacy Policy at any time. Changes will be effective immediately upon posting the revised policy on our website. We encourage you to review this policy periodically for updates.
Contact Us
If you have questions or concerns regarding this SMS Privacy Policy or our privacy practices, please contact us at Aguilera & Associates Insurance Services 1800 897-1058 or email [email protected]
DISCOVER WHAT OUR CUSTOMERS HAVE TO SAY ABOUT US
REVIEWS
REVIEW US ON GOOGLE
Honest, knowledgeable, and they never tried to sell me something I didn't need. My wife and I both got covered and we finally understand what we're paying for.
I called with a billing question a full year after signing up, expecting to get brushed off. Instead they got on the phone with the carrier and straightened it out for me that same afternoon. That's real service.
The men were competent and professional.Very satisfied…
Excellent service and prices! Very honest people. Definitely my number 1 choice when it comes to glass replacement and repair.
it was cheaper compare to other providers and they are incredibly efficient, super fast. they go straight to the point, no hassles.
Muy profesionales rápido y excelente precio
DISCOVER WHAT OUR CUSTOMERS HAVE TO SAY ABOUT US
REVIEWS
This company was quick and punctual! Very polite and the best priced and more importantly done on same day! HIGHLY RECOMMENDED
Amazing attention,good customer service. Good prices and workers like Yadir Castro. Really good experience. Thanks to all of you in this company.
The men were competent and professional.Very satisfied…
Excellent service and prices! Very honest people. Definitely my number 1 choice when it comes to glass replacement and repair.
it was cheaper compare to other providers and they are incredibly efficient, super fast. they go straight to the point, no hassles.
Muy profesionales rápido y excelente precio
REVIEW US ON GOOGLE
frequently asked questions
When can I sign up for Medicare?
There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a coverage gap, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.
What does Medicare cost in 2026?
Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.
What's the difference between Original Medicare and Medicare Advantage?
Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.
Do I need a separate plan for prescription drugs?
Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.
What happens if I sign up late?
Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.
What do I do when I turn 65?
Describe the item or answer the question so that site visitors who are interested get more information. You can emphasize this text with bullets, italics or bold, and add links.
proudly serving these areas
California
Greater Los Angeles
Inland Empire
Orange County
San Diego County
Central Valley
San Francisco Bay Area
Sacramento / Northern California
Central Coast
Arizona
Greater Phoenix / Valley of the Sun
Tucson / Southern Arizona
Northern Arizona
West Valley & Yuma
East Valley & Pinal County
frequently asked questions
When can I sign up for Medicare?
There are a few key windows, and missing them can cost you. Your Initial Enrollment Period is a 7-month window around your 65th birthday, it starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. To avoid a gap in coverage, it's best to sign up during the 3 months before your birthday. If you already have Medicare, the Annual Enrollment Period runs October 15 through December 7 each year, and any changes you make take effect January 1.
What does Medicare cost in 2026?
Most people pay nothing for Part A (hospital coverage) because they paid Medicare taxes while working. For Part B (medical coverage), the standard monthly premium is $202.90 in 2026, with an annual deductible of $283. After you meet the deductible, you typically pay 20% of the cost for most doctor services and equipment. Higher earners may pay more for Part B based on income. Part C (Medicare Advantage) and Part D (drug coverage) costs vary by plan.
What's the difference between Original Medicare and Medicare Advantage?
Original Medicare is run by the federal government and includes Part A and Part B. It lets you see any doctor that accepts Medicare, but it doesn't cover everything, things like prescription drugs, dental, vision, and hearing usually aren't included. Medicare Advantage (Part C) is offered by private insurers and bundles Parts A, B, and often D into one plan, frequently adding extras like dental or vision. The tradeoff is that Advantage plans usually require you to use a network of doctors. Which is better depends on your health needs, budget, and preferred doctors.
Do I need a separate plan for prescription drugs?
Possibly. Original Medicare (Parts A and B) does not cover most prescription drugs, so you'd need a standalone Part D plan to get that coverage. Many Medicare Advantage plans include drug coverage already. One important thing to know: if you don't sign up for drug coverage when you're first eligible and go without it, you may face a late-enrollment penalty that gets added to your premium for as long as you have the plan.
What happens if I sign up late?
Late penalties are real and they can be permanent, so this matters. For Part B, the penalty adds 10% to your monthly premium for every full 12-month period you delayed enrollment without other qualifying coverage and you generally keep paying it for as long as you have Medicare. There's a separate penalty for Part D drug coverage too. The good news: if you're still working and have coverage through your job (or your spouse's), you may qualify for a Special Enrollment Period that lets you delay without penalty.
proudly serving these areas
California
Greater Los Angeles
Inland Empire
Orange County
San Diego County
Central Valley
San Francisco Bay Area
Sacramento / Northern California
Central Coast
Arizona
Greater Phoenix / Valley of the Sun
Tucson / Southern Arizona
Northern Arizona
West Valley & Yuma
East Valley & Pinal County
LIVE THE LIFE YOU
ALWAYS IMAGINED
LIVE THE LIFE YOU
ALWAYS IMAGINED
Aguilera & Associates Insurance Services
CA LIC #0B01700 6620 Coyle Ave Suite 120, Carmichael, CA 95608
PHONE (800) 897-1058
cONTACT
