The Top 3 Financial Risks
That Can Destroy a Family in the U.S.
Medical Costs
A single medical event can cost $50,000 to $150,000 ,
or more.
Insurance Confusion
The system is more complex than most people realize , until it’s too late.
Retirement Risk
Outliving your money is one of
the biggest fears in retirement.
In the U.S., many families fall into a dangerous gap:
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If you’re very wealthy, you can absorb the cost
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If you’re very low income, you may qualify for assistance
But for most middle-class families,
you’re expected to handle it yourself.
Medical bills remain one of the leading causes of financial hardship in America.
Without the right coverage, one hospital stay can disrupt everything you’ve built.
Plans can look similar, but:
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Your doctor may not be in-network
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Certain treatments may not be covered
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Costs can appear later in unexpected ways
Many people only discover these gaps
when they actually need care.
And by then, switching options may no longer be simple.
But today, it’s not just about income
it’s about unpredictable expenses.
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Healthcare costs continue to rise
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One major illness can drain savings quickly
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Without a clear plan, income may not keep up
Over time, this creates a risk many families don’t talk about:
Becoming financially dependent on the people you love most.
Designed for people who want clarity
Not confusion
Because one wrong decision in healthcare or retirement planning can cost far more than most people realize.
Our Mission:
Retirement Protection
We help families protect income, manage healthcare risk, and secure their future.
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A&B enrollment help
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Medicaid help (if necessary)
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Medicare advantage
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Part D perscription
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Medicare suplyment
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Hospital idemnity ( Cancer & heart)
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Dental Hearing & Vision
Annuities
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Stable growth no risk
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Guarentee retirement income
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College funding
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Long term care
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Tax saving for the business (Immediate ROI)
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Attract & Retain Talent
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Vesting = Retention Strategy
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Owner wealth building
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Reduce Payral Taxes
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Inprove business Credibility & Structure
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Tax credit
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Owner Flexibility
Term, Whole, Index Universal
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Life time investment
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End of life Planning
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Debt protection & Loan secuity
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Buy sale agreements
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Key person
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Executive compensation & retension
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Tax advatage cash accumulation
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Estate & family protection
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Infinite banking /policy financing
Meet
Michael J Larson
✔️ Licensed in Multiple States
✔️ 800+ Clients Served in person
✔️ 30+ Years of Financial Leadership Experience
✔️ Personalized, No-Pressure Guidance
Founder of JML Insurance & Retirement Group
John M., 68
Medicare Advantage Plan (with dental & vision)
"I thought I understood Medicare until I spoke with Mike. He helped me choose a Medicare Advantage plan that actually fits my doctors and medications. For the first time, I feel confident about my coverage."
Linda S., 62
Fixed Indexed Annuity (FIA)
"I was overwhelmed with all the annuity options out there. Mike helped me set up a Fixed Indexed Annuity that gives me growth potential without market risk. I finally feel like my retirement income is protected."
Robert K., 71
Medicare Supplement + Hospital Protection Plan
"After a major health scare, I realized how fragile things can be. Mike helped me move to a Medicare Supplement plan and added extra hospital protection. Now I’m not worried about unexpected bills anymore."
Angela D., 59
Retirement Income Strategy (Annuity + IRA rollover)
"I met with two other agents before Mike, and honestly, they just tried to sell me something.
Mike helped me roll part of my IRA into a strategy that creates steady income.
He actually listened."
Denise L., 49
Lifetime Income Annuity (Income Rider)
"I had over $250K saved but no real plan. Mike showed me how to turn part of it into guaranteed lifetime income. Now I feel much secure that
I won’t run out of money."