With a $100,000 deposit, the 55% bonus gives your family an enhanced death benefit starting at $155,000 right away. That benefit can grow as the annuity earns interest.

When you pass away, your family has two choices: take the regular account value all at once, or receive the larger enhanced death benefit in payments over five years.

The bonus is added at the beginning. The five years refers to how your family receives the savings.

This is just an example. For exact quotes and numbers, speak with a licensed representative and refer to a formal illustration.

1. Lump sum

Your beneficiaries receive the full account value in a single payment.

2. Multiplier over 5 years

Your beneficiaries get a multiplier on the gains plus the lump sum when they take it over 5 years — so more of what you built passes on.

More of what you built, where you want it

Growth, protection, and a multiplied death benefit — working together for the people you choose.

See how the other buckets fit into your retirement plan.

The 7 Retirement Roadblocks

Watch the short video on the seven things that can derail your retirement — and how to plan around them.

Effective date: 9/20/2026

JB Insurance Brokers, LLC (“we,” “us,” or “our”) respects your privacy. This policy explains how we handle information collected through our websites, landing pages, communications, and insurance services, including Medicare, health insurance, life insurance, and annuities.

Information We Collect

We collect information you provide when you contact us, schedule an appointment, request assistance, or apply for insurance. Depending on the service, this may include your name, contact details, identification, household, health, financial, insurance, beneficiary, and payment information. We also keep appointment, communication, and consent records.

We collect more detailed information only as relevant to the assistance or product requested. We may also automatically collect website activity, IP addresses, browser and device information, and cookie data.

How We Use and Share Your Information

Information submitted through our websites and landing pages is received by JB Insurance Brokers, LLC to help you explore insurance options, obtain quotes, apply for coverage, and receive ongoing assistance. Our services include Medicare, health insurance, life insurance, and annuities.

We may share relevant information with insurers, licensed agents, contracted agencies, and other business partners assisting with the insurance services you request. This may include connecting you with another agent or agency, subject to any required permission. Recipients are not authorized by us to use your information for unrelated purposes.

We also use service providers to support scheduling, communications, applications, payments, customer records, website operations, storage, security, and analytics. Providers working on our behalf may use information only to perform those services and are obligated not to use or disclose it for other purposes.

We use information to maintain records, improve and protect our services, and meet legal obligations. We may disclose it when permitted or required by law to investigate wrongdoing, protect safety, or defend legal rights. We do not sell your contact information.

When separate consent is required, we obtain it before sharing or arranging marketing contact. For Medicare information sharing that requires written consent, we identify each recipient and let you approve or decline each separately. The mobile-information and text-message protections below apply to all sharing described here.

Insurers may provide their own privacy notices and require separate application authorizations. This policy does not replace those notices or permissions.

Text Messages and Communication Choices

If you opt in, we may send texts for the purposes described at signup, such as appointment reminders, service updates, or authorized promotions. Message frequency varies, and your carrier’s messaging and data charges may apply. Reply STOP to end texts or HELP for assistance, or contact us below. We honor other legally recognized opt-out requests.

Marketing consent is not required to purchase insurance or receive services. Visiting our website or accepting this policy does not itself authorize marketing calls or texts.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Providers assisting with messaging or customer support may process information needed for those services. We do not transfer your text-message subscription or consent records to another business for its own use.

You may unsubscribe from marketing emails or contact us to stop marketing calls.

Cookies and Other Websites

We use cookies and similar technologies for website functionality, preferences, security, analytics, and measuring interactions with our content. Third-party tools may collect browsing information over time and across websites. You can manage cookies in your browser, although disabling them may affect site features.

Other websites linked from ours have their own privacy policies and practices.

Security and Retention

We strive to use commercially acceptable safeguards, but cannot guarantee complete security of electronic storage or Internet transmissions.

Information may be processed outside your state or country, including in the United States. We take reasonably necessary steps to protect it in accordance with this policy and do not transfer it without adequate protective controls.

We retain information as reasonably necessary for services, legal obligations, carrier requirements, and recordkeeping, including after a customer relationship ends.

Your Privacy Choices

Contact us to request access, corrections, deletion, or changes to communication preferences. We may verify your identity and respond according to applicable law. Some records must be retained for servicing, compliance, or resolving disputes. Opting out of marketing does not cancel your insurance.

Children’s Privacy

Our websites are intended for adults. We do not knowingly collect information directly from children under 18 through general website forms. Authorized adults may provide a child’s information for insurance services. Contact us if a child submits information directly without appropriate authorization.

Policy Updates

We will post updates here, revise the effective date, and notify you by email and/or a prominent website notice before changes take effect. An updated policy does not replace any separately required consent.

Contact Us

JB Insurance Brokers, LLC
2813 Gulf to Bay Blvd. #259
Clearwater, FL 33759

Email: [email protected]
Phone: (888) 778-6614
Website: https://jbinsurancebrokers.com/

About JB Insurance Brokers

JB Insurance Brokers, LLC is an independent, licensed insurance agency, not an insurance company. Insurance products are offered through insurance companies we are authorized to represent, and only where the agency and the applicable insurance producer are appropriately licensed and appointed.

Product availability, eligibility requirements, rates, and policy features vary by insurer, product, state, and individual circumstances. Not every product is available in every state.

This website provides general information about insurance products and services and includes solicitations for insurance. If you request contact, a licensed insurance agent will respond. Information, estimates, and quotes do not constitute an insurance policy or guarantee coverage. Coverage and benefits are governed by the issuing insurer’s policy or contract and applicable law.

The views expressed on this website/weblog are JB Insurance Brokers alone and do not reflect the views of our partners.

Government Non-Affiliation

JB Insurance Brokers, LLC is privately owned and operated and is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or the Health Insurance Marketplace.

Life Insurance

Life insurance eligibility, premiums, coverage amounts, and underwriting requirements vary by insurer and policy. Some policies require health questions, medical records, or a medical examination; others offer simplified underwriting or guaranteed acceptance subject to eligibility requirements.

A policy advertised as requiring no medical examination may still involve health questions and underwriting. Guaranteed acceptance does not necessarily mean that the full death benefit is payable immediately for every cause of death.

Some policies provide graded or modified death benefits during an initial period. The length of that period, the benefits payable, and any accidental-death exceptions depend on the specific policy and state. Policies may also contain exclusions, contestability provisions, and requirements for keeping coverage in force.

Any advertised age limits, guaranteed-acceptance features, or benefit schedules apply only to the particular product identified in the offer.

Medicare Advantage and Part D Prescription Drug Plans

We do not offer every plan available in your area. Currently we represent various organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

JB Insurance Brokers, LLC represents Medicare Advantage organizations and stand-alone Part D prescription drug plan sponsors that have contracts with Medicare. Enrollment in these plans depends on contract renewal.

Plan availability, benefits, premiums, and cost sharing vary by service area and plan year. Enrollment in Medicare Advantage and Part D plans is limited to applicable enrollment periods. Eligibility for an Initial Enrollment Period or Special Enrollment Period depends on individual circumstances.

Medicare Supplement Insurance

Medicare Supplement insurance is different from Medicare Advantage and is designed to work with Original Medicare.

Medicare Supplement insurance is generally available to individuals age 65 or older enrolled in Medicare Parts A and B. Availability to individuals under age 65 who qualify for Medicare because of disability or End-Stage Renal Disease varies by state.

Eligibility, premiums, and any underwriting requirements depend on the policy, state law, and applicable open-enrollment or guaranteed-issue protections. Medicare Supplement insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.

ACA and Individual Health Insurance

Individual health insurance availability, enrollment opportunities, premiums, and eligibility vary by state and individual circumstances.

Eligibility for Marketplace premium tax credits and cost-sharing reductions depends on household income, household size, and other applicable requirements. Estimates do not guarantee eligibility or a particular subsidy amount. The applicable Marketplace makes eligibility determinations. Visit HealthCare.gov or your state’s Marketplace for information.

Annuities and Retirement Planning

Annuities are insurance contracts intended for long-term financial needs, including retirement income. Guarantees depend on the financial strength and claims-paying ability of the issuing insurance company and are subject to the contract’s terms.

Fixed indexed annuities are not direct investments in a stock market index. Interest crediting may be linked to an index and is subject to the contract’s crediting rules, which may include caps, participation rates, or spreads.

Annuities may include surrender charges, market value adjustments, withdrawal restrictions, and fees for optional benefits. Protection from negative index performance does not eliminate the effect of withdrawals, fees, or applicable surrender charges and adjustments.

Optional income riders have specific eligibility requirements, costs, and withdrawal rules. Withdrawals may reduce contract values, death benefits, or future income benefits.

The taxable portion of an annuity distribution is generally subject to ordinary income tax. Distributions before age 59½ may also be subject to an additional 10% federal tax unless an exception applies. Tax treatment depends on the contract, how it is funded, and individual circumstances.

Calculators, Estimates, and Illustrations

Calculators, examples, and estimates are provided for general educational purposes. Results depend on the information entered and the assumptions used and are not personalized recommendations, binding quotes, or guarantees of future results.

Actual insurance premiums, annuity values, and income benefits depend on the available product, applicable rates, selected options, and individual circumstances. Guaranteed and nonguaranteed values should be distinguished in the applicable insurer’s illustration or contract. Past performance does not guarantee future results.

Tax, Legal, and Investment Information

General information on this website is not individualized tax, legal, or investment advice. Consult appropriately qualified professionals regarding those matters. Insurance recommendations require a review of your individual needs and circumstances.

Privacy and Contact Preferences

Please review our Privacy Policy for information about how personal information is collected, used, and disclosed.

Submitting an inquiry does not enroll you in an insurance plan or obligate you to purchase insurance. Permission for marketing communications is addressed through the disclosures and choices presented when you provide your information. Consent to marketing communications is not a condition of purchasing insurance.

You may request that marketing calls or emails stop by contacting us at (888) 778-6614 or [email protected]. To opt out of marketing text messages, reply STOP. Message and data rates may apply.

Contact

JB Insurance Brokers, LLC
Phone: (888) 778-6614 | TTY: 711
Monday – Friday: 9am – 5pm

Email: [email protected]

Website Content

Content owned by JB Insurance Brokers, LLC may not be reproduced or distributed without permission, except as permitted by law. Third-party names, trademarks, and materials belong to their respective owners.