Independent insurance guidance you can trust.
JLS Insurance Service LLC DBA JLS Insurance Services partners with individuals, families, and businesses to design coverage that protects what matters most. As an independent agency, we work for you—not the carriers.
Licensed in 10 States.
Independent insurance guidance you can trust.
JLS Insurance Services partners with individuals, families, and businesses to design coverage that protects what matters most. As an independent agency, we work for you—not the carriers.
Licensed in 10 States.
Services
Coverage designed around your life and business.
Most people come to us with one question — usually about Medicare. We start there, then look at the whole picture: what you already have, what it actually covers, and where it could leave you paying out of pocket. Sometimes that means closing a gap. Sometimes it means telling you you're in good shape and should leave things exactly as they are.
Medicare Made Simple
Advantage, Supplement, and Part D in plain language — what each option means for your doctors, your prescriptions, and what you'd pay month to month.
Filling the Gaps Medicare Leaves
Dental, vision, and the copays that add up — plus what a serious diagnosis can cost. We look at options that help cover what Medicare leaves behind.
Income That Lasts
What your month actually looks like — Social Security, any pension, and the other assets you've built, including whether an annuity could turn savings into income for life.
Life Insurance & Final Expense
Term, permanent, and final expense options explained simply, so the people you love aren't left sorting things out.
Services
Coverage designed around your life and business.
We offer personalised, consultative retirement planning designed to give you clarity, confidence, and peace of mind — at the pace that feels right for you.
Initial Retirement Clarity Consultation
Understand where you stand today. Get a clear, simple overview of your retirement accounts, potential risks, and unanswered questions without pressure or obligation.
Personalised Retirement Strategy
A clear plan built around your goals and lifestyle. We help simplify your options and align your retirement strategy with what matters most to you.
Relationship-Focused Ongoing Support
Long-term guidance as life and markets change. Stay aligned with your goals through ongoing reviews, clarity, and relationship-based support.
Second Opinions & Strategy Reviews
Reassurance when you need it most. Review your existing retirement plan, uncover potential gaps, and gain confidence in your current direction.
Why Choose Us
An independent advocate in your corner.
As an independent agency, JLS Insurance Services has the flexibility to compare multiple carriers and products. Our goal is to help you understand your options, identify gaps, and build a plan that supports your goals today and in the future.
Whether you are reviewing your first policy or managing a complex portfolio, we bring clarity, responsiveness, and a long-term perspective to every conversation.
Personalized guidance
We take the time to understand your priorities, explain trade-offs, and tailor coverage to your unique situation instead of pushing one-size-fits-all policies.
Independent market access
We evaluate options from multiple reputable carriers to help you secure competitive pricing and comprehensive coverage.
Long-term relationship focus
Insurance needs change as life changes. We stay connected to help you adjust your coverage as your family, assets, or business evolves.
Meet Our Team
Jennifer King, Owner & Founder
Jennifer King is the founder of JLS Insurance Services, built on an education-first approach after a personal experience navigating confusing insurance systems for her mother. She focuses on clear guidance, patient support, and advocacy—helping individuals and families feel confident with Medicare, life insurance, and financial planning decisions.
Ron Wordekemper, Licensed Insurance Agent
Ron Wordekemper is a licensed insurance agent in Texas at JLS Insurance Services, known for his calm, patient approach and ability to clearly explain complex insurance and retirement options. He focuses on education before recommendations and guides clients toward confident, pressure-free decisions.
Ready to review your coverage?
Connect with JLS Insurance Services for a personalized review of your current policies and recommendations tailored to your goals.
About Us
Our mission and values guide every recommendation.
JLS Insurance Services was founded on a simple belief: insurance should give you confidence, not confusion. We are committed to clear communication, thoughtful analysis, and service that extends well beyond the initial policy.
Our Values
- Clarity over complexity — we translate policy language into practical terms.
- Integrity in every recommendation — we put your interests first.
- Accessibility and responsiveness — we are here when life changes or questions arise.
- Education-focused conversations — we want you to understand the “why” behind your coverage.
- Long-term perspective — we help you plan for today while keeping tomorrow in view.
Contact Us
Let’s talk about your coverage.
Use the form below to request a consultation, ask a question, or share your existing policies for review.
Send us a message
Share a few details about your situation and how we can help. A member of our team will follow up to schedule time or answer your questions.
Alternate ways to connect
Prefer to speak with someone directly or share documents another way? Use the options below:
Call our office: +1 713-609-1615
Email us at: [email protected]
Schedule a virtual meeting: Book Your Consultation
Business hours: Mon-Fri 9am-7pm, Sat 10am-3pm
Prefer to explore plans yourself? Compare Medicare Plans
Prefer a quick call?
Share your contact information and the best time to reach you, and we’ll follow up for a brief introductory conversation.
FAQs
Plain-language answers to the questions we hear most about Medicare and retirement planning.
What does JLS Insurance Service do?
We help individuals, families, and small business owners understand their insurance and retirement options so they can make calm, confident financial decisions. Our focus is on education, protection, and long-term planning — not quick sales.
Who do you typically work with?
We primarily serve:
• Adults 45+ preparing for retirement
• Seniors navigating Medicare
• Families looking for life insurance or children’s IULs
• Individuals with old 401(k)s or IRAs
• Small business owners seeking protection and growth strategies
Do you charge for consultations?
No. Your initial consultation is completely free. Our goal is to help you understand your options first — decisions always come later.
I have an old 401(k). Do I have to move it?
Not at all. We start by reviewing what you already have. If changes make sense, we’ll explain why. You always stay in control of the decision.
What makes JLS different from other agencies?
Most advisors focus on products.
We focus on education, philosophy, and purpose.
You’ll never feel rushed or pressured. We explain everything in plain language and help you see your options clearly so you can decide at your own pace.
I’m scared to move money right now. Is that normal?
Yes — and you’re not alone. Many people worry about making a mistake or losing money. That’s why we slow things down, answer every question (even the “dumb” ones), and map options before any action is taken.
What types of insurance do you offer?
We provide guidance on:
• Medicare (Advantage, Supplements, Part D)
• Health insurance (ACA & private plans)
• Life insurance (term, whole, IUL — including children’s policies)
• Retirement strategies (401(k) rollovers, annuities, tax-advantaged planning)
Everything is customized to your personal situation.
Is Indexed Universal Life (IUL) about chasing high returns?
No. IUL is about creating certainty in an uncertain system.
It’s designed to help protect against market losses while offering tax-advantaged growth — when structured properly.
Do I have to decide right away?
Never. We believe in long-term relationships over quick wins. You get the information, take time to think, and move forward only when you feel comfortable.
What do clients usually thank you for?
Most people tell us:
• “Thank you for explaining this.”
• “I finally understand.”
• “You made this easy.”
Our goal is for you to leave feeling calmer and clearer than when you arrived.
How do I get started?
Simply book a free consultation through our website or contact us directly. We’ll start by looking at what you already have and help you understand your next best steps.
