Last Updated: May 7, 2026
This page contains required disclosures and disclaimers regarding our role as independent insurance producers. It applies to our work in ACA Marketplace health insurance and life insurance.
| Trade Name | Janowski Insurance Services |
|---|---|
| Licensed Producer | Matt Janowski |
| National Producer Number (NPN) | 20765115 |
| Virginia Resident Producer License | 1379200 |
| Lines of Authority | Health, Life, Annuities |
| State of Domicile | Virginia |
| Service Area | Virginia Beach, VA and surrounding cities |
Janowski Insurance Services is the trade name for private, independent insurance producers. We are not connected with or endorsed by the United States government. We do not represent the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any state Medicaid agency.
As independent producers, we represent multiple insurance organizations across the lines of business we offer. The specific carriers and product lines we are appointed with may change as we add or change appointments. The recommendation we make to you is based on the carriers and plans we are appointed to sell at the time of the recommendation, not on every plan available in your service area.
To request a current list of the carriers we are appointed with for ACA or life insurance, please contact us using the information at the bottom of this page.
For ACA Marketplace and life insurance products, we are compensated by the insurance carrier when a policy is issued and remains in force. We do not charge clients a fee for plan comparison, enrollment assistance, or ongoing service. Your monthly premium is the same whether you enroll on your own or with us.
For products with material differences in compensation structure (such as certain annuity products), we provide a separate written disclosure at the time of recommendation, in accordance with applicable state law.
To assist consumers with ACA Marketplace enrollment, we maintain annual registration with the federally facilitated Marketplace (FFM) operated by CMS, including the required annual training and completion of the agreements with the Marketplace. Eligibility determinations for premium tax credits, cost-sharing reductions, Medicaid, and CHIP are made by the Marketplace based on the information you provide, not by us.
We provide free aids and services to people with disabilities to communicate effectively with us, including written information in alternate formats (large print, audio, accessible electronic formats) where reasonably available.
We provide free language services to people whose primary language is not English, including qualified interpreters where reasonably available. Please contact us if you need these services.
Pages on this website that describe ACA or life insurance products generally are educational in nature and do not contain plan-specific benefit, premium, or cost-sharing information that would constitute "marketing" under federal regulations. Plan-specific information is provided to you only after we have established a producer-client relationship and obtained any required consent documentation.
If you have a concern about our conduct or the service you have received, please contact us first using the information at the bottom of this page. If you believe your concern has not been addressed, you may also contact:
Janowski Insurance Services
Virginia Beach, VA 23453
Email: Email Matt
Phone: (518) 258-4226