J S Enterprises LLC provides trusted life and health insurance solutions tailored to individuals and families. We help you build a foundation of financial security for the people you love.
We work with you one-on-one to understand your needs and find coverage that fits your life and your budget — no pressure, no jargon.
Affordable coverage for a defined period — ideal for income replacement, mortgage protection, or providing for your family during critical years.
Lifelong protection with a guaranteed death benefit and a cash value component that grows over time as a financial asset.
Individual and family health plans — from major medical to supplemental — designed to protect against unexpected healthcare costs.
Critical illness, accident, and hospital indemnity plans that fill the gaps your primary insurance may leave behind.
Already have coverage? We provide complimentary policy reviews to ensure your existing plans still meet your current life situation and needs.
Comprehensive planning to protect your entire household — life, health, and income protection strategies built around your family's goals.
We are a licensed life and health insurance agency dedicated to providing honest, personalized guidance to individuals and families navigating their coverage options. We believe that understanding your insurance shouldn't require a law degree — and we're here to make that process simple, transparent, and empowering.
Our agency works with a wide range of carriers to find you coverage that fits — not just what's easy to sell.
Fill out the form below and a licensed agent from J S Enterprises LLC will reach out to discuss your coverage options. Fields marked with * are required.
J S Enterprises LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or engage with our services.
We may collect the following types of personal information:
We use your personal information to:
J S Enterprises LLC operates an SMS text messaging program to communicate with clients and prospective clients. The following terms apply to all SMS communications:
We only send SMS messages to individuals who have provided explicit, written consent through our online contact form. Consent is voluntary and is never required as a condition of purchasing any insurance product or receiving any service.
We collect two distinct types of SMS consent:
Message frequency varies based on your engagement and the nature of your inquiry. Transactional messages are sent as needed in connection with your active service requests. Marketing messages are sent periodically and will not exceed a reasonable frequency.
You may opt out of SMS communications at any time by replying STOP to any text message from us. After opting out, you will receive one final confirmation message and will receive no further SMS communications unless you re-enroll. To request help, reply HELP.
Standard message and data rates may apply depending on your mobile carrier and plan. J S Enterprises LLC does not charge for SMS messages, but your carrier's standard rates apply.
Our SMS program is supported by major U.S. carriers including AT&T, T-Mobile, Verizon, and others. Carrier availability may vary.
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following limited circumstances:
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Depending on your state of residence, you may have rights including the right to access, correct, or delete your personal information. To exercise these rights or to ask questions about your data, please contact us using the information below.
Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You may disable cookies in your browser settings, though this may affect certain website functionality.
Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has submitted information to us, please contact us immediately.
If you have questions about this Privacy Policy or our data practices, please contact:
We may update this Privacy Policy periodically. Changes will be reflected by an updated "Last Updated" date at the top of this page. Continued use of our website after changes constitutes acceptance of the updated policy.
Please read these Terms & Conditions ("Terms") carefully before using the website of J S Enterprises LLC ("Company," "we," "us," or "our"). By accessing or using this website, you agree to be bound by these Terms.
This website is provided for informational purposes related to life and health insurance products and services offered by J S Enterprises LLC. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others.
Content on this website is for general informational purposes only and does not constitute insurance advice, a binding quote, or a contract of insurance. Coverage terms, availability, and pricing are subject to underwriting approval and applicable state regulations. Please speak with a licensed agent for guidance specific to your situation.
The following terms govern J S Enterprises LLC's SMS text messaging communications. By opting in to our SMS program, you agree to these terms.
J S Enterprises LLC operates an SMS messaging program to communicate with clients and prospective clients regarding life and health insurance services. We send two categories of messages:
SMS messages are sent only to individuals who have provided voluntary, written opt-in consent through our website contact form. Consent to receive SMS messages is:
Message frequency varies based on your service engagement. Transactional messages are sent as needed in connection with your active inquiries or policy service. Marketing messages are sent periodically. We will not send an unreasonable volume of messages.
You may withdraw your SMS consent at any time by:
Opting out of SMS does not affect your ability to receive service from J S Enterprises LLC through other channels.
Reply HELP to any SMS message from us to receive contact information and assistance. You may also contact us directly at [email protected] or (218) 520-3520.
Standard message and data rates may apply based on your mobile carrier and plan. J S Enterprises LLC does not charge fees for SMS messages. Contact your carrier for rate information.
Our SMS program is compatible with major U.S. carriers including AT&T, T-Mobile, Verizon, and others. Service availability may vary by carrier.
J S Enterprises LLC is committed to compliance with the Telephone Consumer Protection Act (TCPA), CTIA Messaging Principles and Best Practices, and all applicable federal and state regulations governing text message communications.
J S Enterprises LLC does not send and will not send SMS messages containing content related to: sex, hate, alcohol, firearms, tobacco, cannabis, or any content that violates SHAFT-C carrier guidelines. Our messaging is limited to life and health insurance topics within the scope of our licensed services.
All content on this website, including text, logos, and design elements, is the property of J S Enterprises LLC or its licensors and is protected by applicable intellectual property laws. Unauthorized reproduction or use is prohibited.
To the fullest extent permitted by law, J S Enterprises LLC shall not be liable for any indirect, incidental, or consequential damages arising from use of this website or reliance on information provided herein.
These Terms are governed by the laws of the state in which J S Enterprises LLC is registered, without regard to conflict of law principles.
We may update these Terms from time to time. Changes will be reflected by an updated "Last Updated" date. Continued use of our website constitutes acceptance of any updated Terms.
For questions about these Terms, please contact: