Your privacy is important to

This privacy statement provides information about the personal information that collects, and the ways in which and uses that personal information. Personal information collection may collect and use the following kinds of personal information: information about your use of this website; information that you provide using for the purpose of registering with the website (including your name, email address and phone number) information that you provide for the purpose of subscribing to the website services including our monthly newsletter; any other information that you send to Using personal information and may use your personal information to: enable your access to and use of the website services; send to you products that you purchase; supply to you services that you purchase; send you marketing communications. Where discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement. In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights. Securing your data: will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information. will store all the personal information you provide on its secure servers. Cross-border data transfers Information that and collects may be stored and processed in and transferred between any of the countries in which and operates to enable the use of the information in accordance with this privacy policy. You agree to such cross-border transfers of personal information. Updating this statement and may update this privacy policy by posting a new version on this website. You should check this page occasionally to ensure you are familiar with any changes. and American Retirement Advisors are not responsible for the privacy policies or practices of any third party. Contact and if you have any questions about this privacy policy or treatment of your personal information by Please write to Judi Lovato by email to with your inquiry.

American Retirement Advisors complies with the “Arizonans with Disabilities Act” and “Title III of the Americans with Disabilities Act.”

When necessary for effective communications, American Retirement Advisors staff will provide a qualified interpreter or other appropriate auxiliary aid or service. Individuals with disabilities will not be charged for auxiliary aids or services (including interpreters) and are not required to bring another individual to interpret for them. We feel our communication policy should be there to help our clients, not hinder them.American Retirement Advisors staff is required to abide by the protocol as stated below.

Identify the Disability and Services Required for Successful Communication: When American Retirement Advisors offers an auxiliary aid or service request, employees must confer with the client with the disability (and if not feasible, they will confer with the requestor) to discover the circumstances, requirements, and preferences of the individual with the disability. American Retirement Advisors will recognize his or her preferred mode of communication prior to determining the type interpreting service (or other auxiliary aid or service) to be secured.

The following methods of communication are examples of services American Retirement Advisors will provide:

American Sign Language;

Signed English;

Oral interpreting;

Large Print Documentation:

In determining the type of service which is necessary, the following will be considered:

The nature, length, and importance of the communication at issue;

The individual’s communication skills and knowledge;

The individual’s request for or statement of need for an interpreter; and

The type of auxiliary aid or service necessary to ensure effective communication.

Pursuant to A.R.S. § 36-1971, a qualified legal interpreter must be certified by the Arizona Commission for the Deaf or Hard of Hearing to interpret legal matters.  In compliance with the Arizonans with Disabilities Act and Title III of the Americans with Disability Act, American Retirement Advisors staff will provide a qualified interpreter who is able to interpret effectively, accurately and receptively.

Take Action Promptly to Ensure Services are Provided in a Timely Manner:

American Retirement Advisors staff shall respond promptly to requests for auxiliary aids and services to ensure individuals with disabilities have an equal opportunity to participate in and benefit from our services.  Documentation of disability will generally not be requested or required. If a particular auxiliary aid and service or supplier of the service will result in delays of client services, American Retirement Advisors will consider alternative suppliers or effective auxiliary aids and services.  For example, if a particular interpreter determines he/she will take two weeks to provide a sign language interpreter, American Retirement Advisors will inquire with other interpreters, then American Retirement Advisors will consider providing a qualified interpreter using a service that provides video interpreting, or other effective means of communication. American Retirement Advisors Must Ensure Effective Communication with Clients at All Times Throughout the Entire Duration of the Matter: American Retirement Advisors employees must ensure that effective communication is accomplished between American Retirement Advisors’ prospective and current clients throughout every phase of the matter, including but not limited to the following:

The subject matter of the client’s needs must be communicated, specifically during the initial interview.

The client must understand the scope of services offered by American Retirement Advisors.

American Retirement Advisors is not a government agency.

Services provided are based on a commission earned by selling an Insurance product.

If services required are deemed by American Retirement Advisors to be best served by an Insurance company directly or a government agency, that information will be communicated.

The client must understand and be able to communicate with all entities involved throughout all procedures.

Termination of representation, denial of representation and presentation of the terms must be communicated.

American Retirement Advisors staff shall identify when a sensory disability exists and will determine what type of services are required for successful communication.  American Retirement Advisors staff will not refuse services to potential clients with sensory disabilities if they require auxiliary aids and services for effective communication. If you would like to contact an American Retirement Advisors staff member, contact us today.


Non-Discrimination Disclosure

Medicare Advantage and Medicare Prescription Drug Plans and their agents described as “MEDICARE PLAN” (See list) complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. “Medicare Plan’s” does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex.

“Medicare Plan’s” coordinates with Medicare providers who can:

Provide free aids and services to people with disabilities to communicate effectively with us, such as qualified sign language interpreters and written information in other formats (large print, accessible electronic formats, other formats).

Provides free language services to people whose primary language is not English, such as qualified interpreters and information written in other languages.

If you believe that any “MEDICARE PLAN” has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance by calling the number above and telling them you need help filing a grievance; a “Medicare Plan’s” customer service is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW, Room 509F, HHH Building, Washington, DC 20201, 1- 800-368-1019 (TDD: 1-800-537-7697).

Complaint forms are available at