LDM Insurance Services

About LDM Insurance Services

We're More Than an Insurance Agency

We're your personal agent — someone in your corner who listens, explains, and fights for you when the system gets complicated.

Our story

Built on a Simple Belief

LDM Insurance Services was founded on one core belief: navigating financial services and insurance benefits shouldn't require a law degree. Too many people — especially those approaching Medicare age — feel overwhelmed, confused, and alone when facing some of the most important coverage decisions of their lives. Many of them are not prepared to retire with enough savings to live on and provide for their needs.

We work with individuals, families, and small business owners to help make sense of their options, find the right coverage, and stand by them long after enrollment.

We have full transparency. When a claim gets denied, when a prior authorization is stuck, when an appeal needs to be filed — we don't disappear. We show up, we work for you, and we get results.

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 drives us

Our Values

Honesty First

We tell you what you need to hear, not what you want to hear. Our recommendations are based on your needs — not our commissions.

Personal Agent

We don't hand you a packet and wish you luck. We stay involved — answering questions, handling paperwork, and going to bat for you.

Plain Language

Insurance is complicated enough. We explain everything in clear, simple terms so you can make confident, informed decisions.

No Pressure

We believe the right plan sells itself. We'll never rush you or push you toward something that isn't right for your situation.

Long-Term Relationships

Our goal isn't a one-time transaction. We want to be your trusted resource for years — through plan changes, life changes, and everything in between.

Community Rooted

We're based in Cypress, TX and proud to serve our neighbors. When you call us, you reach a real person who knows your community.

Who we are

Meet Your Licensed Agent

Jannah Venancio

Jannah Venancio

Licensed Insurance Agent

Jannah started with a mission to make insurance accessible, understandable, and personal. She brings over 15 years of experience in life and health insurance, and small business benefits — along with patience, clarity, and genuine care to every client relationship.

"The God of my rock, in him will I trust. He is my shield and the horn of my salvation, my high tower, and my refuge." — 2 Samuel 22:3
  • (385) 425-4890
  • [email protected]
  • 14150 Huffmeister Rd Ste 200, Cypress, TX 77427
  • Licensed in AZ, CA, CO, ID, NE, NV, RI, SC, TX, UT, and WA·NPN: 14776111·CA#: 0G80934

Let's Talk — No Obligation

Whether you have a quick question or need a full plan review, we're happy to help. A free conversation is always the best first step.

Schedule a Free Consultation(385) 425-4890
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, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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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