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Your Future, Secured Today

Your Partner in Protection and Prosperity

Our Services

At JSanchz Insurance Solutions, we offer a full range of insurance and financial planning services tailored to meet the needs of individuals, families, and businesses. With our expert guidance, you can confidently protect your future, build wealth, and secure your financial goals.

Life Insurance

Whether the need is for protecting a family or business, Jsanchz has a life insurance solution you can be proud and confident to present to your clients.

  • BOLI: Institutional Solutions
    Business-Owned Life Insurance plans tailored for institutional clients.
  • COLI: Institutional Solutions
    Corporate-Owned Life Insurance solutions designed for companies.
  • Survivorship Life
    Life insurance covering two lives, with benefits paid after the second death.
  • Term Life
    Affordable, time-limited life insurance coverage.
  • Universal Life
    Flexible life insurance with adjustable premiums and coverage.
  • Variable Universal Life
    Investment-focused life insurance with customizable options.
  • Whole Life
    Permanent life insurance with guaranteed benefits and cash value growth.
  • Viatical & Life Settlements
    Solutions for selling life insurance policies for immediate funds.
  • Dividends
    Participating policy payouts shared with policyholders.
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Disability Insurance

Disability Income insurance provides monthly payments to replace a portion of the insured’s income, when a sickness or injury prevents or limits an insured’s ability to work as defined in the policy.

  • Business Overhead Expense (BOE)
    Covers essential business expenses if the owner becomes disabled.
  • BOE/SBOE
    Customized solutions for small businesses’ overhead expenses during disability.
  • 9200 BOE
    Advanced Business Overhead Expense plan for comprehensive coverage.
  • Buy-Sell
    Funding solutions for buy-sell agreements in business partnerships.
  • Radius Choice
    Flexible disability insurance options tailored to individual needs.
  • Radius Transition Select
    Insurance solutions designed for career transitions.
  • Radius TS (9200 CR/TCR)
    Specialized disability insurance with 9200 benefit options.
  • Radius TS (9500 CR/TCR)
    Enhanced coverage with 9500 benefit options for comprehensive protection.
  • RetireGuard
    Disability insurance to protect retirement savings contributions.
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Long-Term Care Insurance

Prepare for the future with long-term care insurance that covers the costs of extended care services. From in-home care to assisted living, we help you plan for the unexpected so you can age with dignity.

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Business Insurance

Safeguard your business with our tailored insurance solutions. From liability coverage to property insurance, we protect your company’s assets, employees, and operations against unforeseen risks.

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Key Man Insurance

Protect your business’s most valuable assets – your key employees. Key man insurance ensures financial stability in the event of the loss of a key team member, allowing your business to continue operating smoothly.

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401(k) and IRA Plans

Build a solid retirement plan with our 401(k) and IRA solutions. We provide guidance on traditional and Roth IRAs, helping you create a strategy that maximizes savings and minimizes tax liabilities.

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Roth IRA

Enjoy tax-free growth and withdrawals with a Roth IRA. Our team will help you determine if this flexible retirement savings option aligns with your long-term financial goals.

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College Fund Savings

Invest in your child’s future with our college savings plans. From 529 plans to custodial accounts, we’ll help you create a strategy to cover education expenses while maximizing tax benefits.

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Annuity Products

Retirement-focused financial solutions designed to provide guaranteed income streams for life or a set period. These products help individuals plan for a secure future by ensuring steady payments during retirement, reducing financial uncertainty.

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Riders

Additional features or benefits that can be added to existing insurance policies for customized coverage. Riders allow policyholders to address specific needs, such as critical illness coverage, accidental death benefits, or waiver of premium in case of disability.

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Closed Products

Legacy insurance and financial products that are no longer actively marketed or sold but continue to be supported for existing policyholders. These products ensure ongoing service and benefits for those already enrolled.

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Registered Index-Linked Annuity (RILA) Products

Index Summit 6 Pro

MassMutual Ascend’s registered index-linked annuities (RILA) products provide the opportunity to participate in market growth while reducing downside exposure with floor or buffer strategies.

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Group Insurance

Group Insurance

Provide comprehensive benefits for your team with group insurance plans. From health and dental coverage to disability and life insurance, we help businesses attract and retain top talent with competitive offerings.

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Group Universal Life Insurance

Group Universal Life insurance is permanent flexible premium, non-participating group universal life insurance. It provides affordable, permanent, portable coverage with flexible premiums and guarantees to help employees address changes in their lives, and a guaranteed death benefit for the target coverage period.

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Group Whole Life Insurance

Group Whole Life insurance is level premium, participating whole life insurance that helps cover employees on a guaranteed or express issue basis. It provides a guaranteed death benefit over the lifetime of the insured and has optional riders to help meet coverage and budget needs.

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Group Accident Insurance

Group Accident Insurance is limited benefit, non- participating group accident insurance that provides a lump- sum benefit paid directly to the employee if an insured is injured due to a covered accident.

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Worksite Products

Group insurance solutions offered through employers to enhance employee benefits packages. These products provide accessible coverage for employees and their families, including life, disability, and other supplemental insurance options.

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