LDM Insurance Services

About LDM Insurance Services

Advocates for Your Health & Financial Security

Your trusted partner in navigating Medicare and employee benefits — with clarity, compassion, and no pressure.

Our Story

Built on Belief in Better Guidance

LDM Insurance Services was founded on a simple belief: every person deserves clear, honest guidance when it comes to their health coverage. Too many people feel overwhelmed by the complexity of Medicare and employee benefits — and too many end up in plans that don't truly fit their needs.

We built LDM to change that. Our approach is personal, patient, and always in your corner. We take the time to understand your situation, explain your options in plain language, and help you make confident decisions — without the pressure of a sales pitch.

From our home base in Cypress, Texas, we serve clients across multiple states, bringing the same care and attention to every conversation whether it's your first Medicare question or a complex small business benefits review.

No Feesfor Medicare insurance products
0–15organizations represented in your area
0–79plan options depending on your location
5-StarMedicare plan ratings evaluated annually

What We Stand For

Our Core Values

Clarity Over Complexity

We translate insurance jargon into plain language so you can make informed decisions with confidence.

Personal Agent

We are independent agents — we work for you, not the insurance companies. Our recommendations are always based on your needs.

No Pressure, Ever

We believe in education and guidance, not sales tactics. You'll never feel rushed or pressured in any conversation with us.

Ongoing Support

Our relationship doesn't end when you enroll. We're here year-round for questions, changes, and annual reviews.

Licensed & Compliant

We maintain active licenses across multiple states and stay current with all CMS regulations and compliance requirements.

Community Focused

We are proud to serve our local Cypress, TX community and clients across the country with the same personal touch.

Meet Your Advocate

The Person in Your Corner

Jannah Venancio

Jannah Venancio

Licensed Insurance Agent · 15+ Years Experience

Jannah Venancio has spent over 15 years helping individuals, families, and small businesses navigate the often confusing world of insurance and employee benefits. Her background spans Medicare planning, supplemental coverage, and group benefits — giving her a uniquely comprehensive perspective.

"The LORD is my rock and my fortress, and my deliverer; My God, my strength, in whom I will trust; My buckler,  and  the horn of my salvation, and my high tower." — Psalm 18:3 kjv
  • (254) 615-3715
  • [email protected]
  • 14150 Huffmeister Rd Ste 200, Cypress, TX 77429
  • Licensed in: AZ, CA, CO, ID, NE, NV, RI, SC, TX, UT, WA·NPN: 14776111·CA Lic#: 0G80934

Ready to Find the Right Coverage?

Schedule a free, no-pressure consultation and let us help you navigate your options with confidence.

Schedule a Free Consultation(254) 615-3715
LDM Insurance Services

Your trusted guide through insurance and financial services. We're in your corner — every step of the way.

Our Services

  • Claims Assistance
  • Critical Illness
  • Dental, Vision, Hearing
  • Hospital Indemnity
  • Individual HRA, HSA Plans
  • Life Insurance
  • Long-Term, Short-Term Care
  • Medicare HMO, PPO, PFFS, PDP
  • Medicare Supplement Plans
  • Retirement Benefits
  • Small Business Solutions

Contact Us

Our agents represent Medicare Supplement, Medicare Advantage HMO, PPO, PFFS, and Prescription Drug Plan organizations that have a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on the plan's contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Every year, Medicare evaluates plans based on a 5-star rating system.

We are not connected with or endorsed by the United States Government or the federal Medicare program.

We do not offer every plan available in your area. Currently we represent 0–15 organizations which offer 0–79 products in your area. The number of plans available in your area may vary depending on the state and geographical location where you live. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE.

The exact carrier and plan counts are determined by your zip code and county.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance. If you are already a member, please contact your health plan to file a complaint.

Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn't require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

An annuity is an insurance contract between an insurance company and a contract owner. An annuity can be used to help save for supplemental income for retirement and/or preserve funds already saved for retirement. Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance company that issues the product. Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59 ½ may be subject to a 10% tax penalty. The growth in an annuity is tax-deferred, but taxes will be owed on withdrawals. Any withdrawal will reduce your annuity insurance contract value. Consult your annuity insurance contract for specific terms and conditions. Insurance agents do not provide, tax, legal or accounting advice.

Multi-year guaranteed annuities (MYGAs) are a type of fixed annuity with a guaranteed interest rate that typically lasts for multiple years. Fixed Indexed Annuities (FIAs) do not involve investments in an index. The index performance used to calculate credited interest typically does not include dividends. Some FIAs involve the use of multiple indexes. Methodologies for crediting interest differ among FIA products (e.g., point to point, high water mark, annual resets, single year, multi-year, etc.). Interest crediting methodologies may include caps, participation rates, spreads, margins, or fees that may change from time to time depending on the product.

Licensed Insurance Agent in AZ, CA, CO, ID, NE, NV, RI, SC, TX, UT, WA. National Producer Number (NPN): 14776111. CA License#: 0G80934.

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