DISCLAIMER
Last updated: October 2026
General
The information on pdpagency.com is provided for general educational purposes only and should not be treated as personalized insurance, financial, tax, legal or investment advice. Please consult a qualified professional about your own situation. Insurance coverage is subject to the terms, conditions, limitations, exclusions, eligibility and underwriting of the issuing carrier. Premiums, benefits and availability vary by state, age, health and other factors.
Licensing
Paul Phillips is a licensed insurance producer in NJ (NPN 22314386). We may only transact insurance in states where we are licensed and appointed. We represent a number of insurance carriers and do not offer every plan or product available in your area. Any information we provide is limited to the plans we offer in your area; contact Medicare.gov, 1-800-MEDICARE(TTY 1-877-486-2048), or your State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Medicare
We are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability varies by service area and carrier.
Discount and savings programs
Medical savings, pet medical savings, dental/vision and similar discount programs are not insurance. They provide discounts on services from participating providers; they do not pay claims and do not satisfy any requirement to maintain health coverage.
Life insurance, final expense and retirement products
Guarantees are subject to the claims-paying ability of the issuing insurer. Policy loans and withdrawals may reduce the death benefit and cash value and may have tax consequences. Product features such as tax-advantaged growth or tax-free distributions depend on the specific product, how it is structured and funded, and current tax law, and are not guaranteed. We do not provide tax or legal advice; consult a tax or legal professional. Insurance products are not bank deposits, are not FDIC-insured, and are not obligations of any bank.
Investment and education content
Any educational content on investing, trading or markets (including videos, reports or commentary) is for general information only. It is not a recommendation to buy or sell any security. Investing involves risk, including loss of principal, and past performance does not guarantee future results.
Testimonials and results
Any testimonials or examples reflect individual experiences and do not guarantee similar results.
Careers and income
Career and income statements are not guarantees of earnings. Earnings depend on individual effort, skill, licensing, market conditions and other factors. Roles require appropriate state licensing and are typically independent-contractor positions unless stated otherwise.
External links and accuracy
We are not responsible for the content of third-party sites. We try to keep information accurate but make no guarantee of completeness or timeliness.
Contact