About Us

Family-run insurance guidance for Virginia Beach

Matt and Jen Janowski are family-run independent insurance agents based in Virginia Beach, Virginia, doing business as Janowski Insurance Services. They work with individuals, families, and small businesses across Hampton Roads — Virginia Beach, Norfolk, Chesapeake, Portsmouth, Suffolk, Hampton, and Newport News — on the insurance decisions that affect long-term financial security: health coverage through the ACA Marketplace, Medicare, and life insurance.

“ Insurance should connect to the rest of your financial picture, not sit off to the side. ”

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Lines of insurance we focus on

100%

Independent advice across carriers

Matt and Jen Janowski, founders of Janowski Insurance Services
Our Approach

Holistic guidance, not single-product sales

We look at how the pieces of your financial picture fit together. Health coverage, Medicare, life insurance, and retirement income are linked — decisions in one area affect the others.

Our Mission

Help Virginia Beach individuals and families navigate insurance decisions clearly and confidently.

Our mission: clear insurance guidance

Cross-Line Coordination

Look at health, Medicare, life, and retirement together — decisions in one area affect the others.

Our approach: cross-line coordination

Independent & Transparent

Independent across multiple carriers, with no contracts that bias the recommendation toward one company.

Our values: independent and transparent
Why Choose Us

Independent agents who connect the dots

Independent advice, multiple carrier appointments, and an approach that ties insurance decisions to your broader financial planning.

  • Independent across multiple carriers — recommendations match your needs, not our contracts
  • Cross-line perspective — Medicare, ACA, life, and retirement planning are connected, and we treat them that way

Independent across carriers

Cross-line coordination

Easy-to-understand explanations

Year-round support, not just at enrollment

Independent insurance guidance for Virginia Beach families