J.L. Thomas & Co., Inc. was founded in 1971 by Jerry L. Thomas, CLU. Jerry's experience in the life insurance business as both a Personal Producer and General Agent gave him the insight to operate one of the country's most respected life brokerage operations. Since the start of the agency, Jerry's three sons, Mike, David & Craig, have joined the operation to create a unique blend of expertise. Impaired Risk Life Insurance UnderwritingJ.L. Thomas & Company has been known as an expert in the impaired risk market since 1971. Our expertise combined with our line-up of companies allows us to provide the best offer for your client. We handle many difficult impairments, such as: Heart, Cancer, Diabetes, Obesity, Hypertension. Term Life InsuranceWe know the term business and offer the most competitive rates to make it profitable for you to sell. Permanent Life InsuranceGuaranteed Universal Life Insurance and Whole Life Insurance Products. Advanced UnderwritingCase Design for Estate Analysis, Business Continuation Insurance, and Large Preferred Risk Cases. Long Term CareMore choices, better solutions... End of Life Care Planning. AnnuitiesSingle Premium Deferred, Flexible Premium Deferred, Single Premium Immediate Disability Income Products