James Beckstrom
Founder & Licensed Agent
Registered Social Security Analyst®
Protecting what
you've built. Planning
what's next.
Medicare, health coverage, annuities, and the one retirement decision most people get wrong — when to claim Social Security. Independent advice from an office that answers to you, not to a carrier's sales quota.
No cost, no obligation — just clear guidance.
One of a small number of agents credentialed to run this analysis. Most advisors give you an opinion on when to file. We run the actual numbers on your earnings record.
Coverage for every stage of life
From your first Marketplace plan to a guaranteed income stream in retirement, every recommendation starts with your situation — your doctors, your prescriptions, your budget, your timeline.
Medicare
Parts A, B, C (Advantage), D, and Supplement (Medigap) explained in plain language as you turn 65 or retire — including which path actually fits you.
This paperwork is not an application for health insurance.
Social Security Analysis
A certified review of when you and your spouse should file. We compare every claiming combination available to your household before the decision becomes permanent.
$1,199 — and we cover it in full for clients we place coverage for.
Individual & Family Plans
Affordable ACA/Marketplace coverage or private plan alternatives matched to your family's doctors and prescription needs.
This paperwork is not an application for health insurance.
Annuities
A reliable, guaranteed income stream for your retirement years, with flexible accumulation and payout options built around when you actually need the money.
Small Business Coverage
Group health solutions that help owners under 50 employees offer competitive benefits, keep good people, and stay within budget.
Dental, Vision & Supplemental
Fill the gaps your main plan leaves open — dental, vision, cancer, heart attack & stroke, critical illness, hospital indemnity, and accident coverage.
Four steps. No pressure at any of them.
You'll know what you're deciding and why before anything gets signed.
Tell us your situation
Fill out the intake form for what you need, or just call. Doctors, prescriptions, budget, timeline — whatever matters to your case.
We do the research
We compare plans across the carriers we represent and check your doctors and drugs against each one. You don't chase quotes.
Review it together
By phone, video, or at the Commerce Township office. You see the real numbers side by side, including what each option costs you over a year.
We stay with it
Claims questions, plan changes, annual reviews, and a real person who picks up. We don't disappear after enrollment closes.
Why work with James Beckstrom at JRB Insurance LLC?
No cost for coverage guidance
Our help choosing and enrolling in coverage costs you nothing. Premiums are set by the carrier and regulated by law — you don't pay more for going through an agent.
Independent, not captive
We represent multiple top-rated carriers. There's no house brand to push, so the recommendation comes from your needs rather than a quota.
Credentialed on Social Security
As a Registered Social Security Analyst®, James runs claiming math most agents can only estimate — spousal, survivor, and divorced-spouse benefits included.
Year-round support
We don't vanish after open enrollment. Claims, plan updates, and questions get answered all twelve months.
Let's find the right coverage for you.
Book a free, no-obligation consultation with James Beckstrom at a time that works for you.
Schedule Your AppointmentPrefer to get started on your own? Start an intake form — one place to tell James what you need help with, whether it's one thing today or several over time.
Commerce Township, MI 48382
The filing decision you only get to make once
Claim at 62, at full retirement age, or at 70 — the difference compounds for the rest of your life, and for your spouse's life after that. Once the choice is locked in, it generally can't be undone. A certified analysis puts real numbers behind it instead of a rule of thumb.
Analysis on its own
For anyone who just wants the report.
Included with your coverage
Place an annuity, Medicare, or health plan through our office and
$1,199becomes nothing.