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Carol Hernandez is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the state of California (CA Ins. Lic. # 0769634) and Oregon. No insurance business may be conducted outside this state referenced.

Carol Hernandez is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a registered broker-dealer, a licensed insurance agency and a New York Life Company, 229 North Douty, Hanford, CA 93230, (559) 582 - 7515. In this regard, this communication is strictly intended for individuals residing in the state of CA. No offers may be made or accepted from any resident outside the specific state referenced.