More Than Financial Advice
This Is Protection For Your Life
Built on real-world experience through crises,
designed to protect what matters most:
your health, your income, and your family.
Behind every financial decision…
there’s a life you’re trying to protect.
A family.
A future.
A sense of security in an uncertain world.
That’s why we don’t just focus on products—
we focus on building a personal protection system
that helps you navigate healthcare costs, retirement income,
and long-term financial risks with clarity and confidence.
Founder's Story — Why Protection Matters
Over the past three decades,
Mike Larson has witnessed firsthand how quickly financial stability can be shaken.
From the 2008 financial crisis,
to major healthcare system changes that drove costs higher,
to the global disruption of 2020, one truth became clear:
Most people aren’t unprepared because they’re careless
they’re unprepared because no one ever showed them the full picture.
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As a father of two, a Christian, and part of a cross-cultural family,
Mike understands that financial planning is never just about numbers.
It’s about:
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Protecting your dignity in retirement
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Making sure your family is not burdened
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Creating stability in a system that often feels unpredictable​
Before entering the insurance and retirement space,
Mike served as a Mortgage Manager and Financial Director in the automotive industry,
giving him a deep understanding of:
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lending and risk
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cash flow management
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long-term financial structures
Today, as an independent insurance broker licensed across 25 states,
he has helped 800+ clients navigate:
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Medicare decisions
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Retirement income strategies
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Insurance-based protection planning
By working with 50+ insurance and retirement institutions,
he is able to compare options objectively—
not push a single company’s product.
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His faith is simple:
By-the-numbers analysis.
From-the-heart guidance.
No jargon. No pressure. No one-size-fits-all answers.
Just clear explanations of how each decision
affects your income, taxes, flexibility, and peace of mind.
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Professional Scope & Integrated Team Approach
At JML Insurance & Retirement Group,we believe that no single license can fully address the complexity of modern financial life.Mike Larson is a licensed independent insurance brokerspecializing in Medicare, annuities, and protection-based planning.To better serve our clients,he works in coordination with a network of licensed financial professionalsto provide comprehensive guidance across insurance, income, and broader financial strategies.This integrated approach ensures that every recommendationis not only personalized—but also aligned, compliant, and built for long-term security.