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JianXiu Zhao is agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of California(CA Ins. Lic. #0E04822) & NV.  No insurance business may be conducted outside this/these state(s) referenced. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.