JLT & Associates, Inc is an insurance brokerage in Miami-Florida, specialized in low cost "Mortgage Protection" and other financial and insurance services including: life, annuities, retirement planning, health, disability, long term care, wealth preservation, and tax reduction. We are licensed with top A++ insurance carriers, but are completely and 100% independent from any insurance carrier, allowing us to research the market place and provide the best value option for our clients. We are able to do this, by reviewing each and all of our clients options, as well as their qualifications like ; occupation, age, smoking and health status. Our objective is to achieve the best value policy, in the market place, for our clients. Jorge L. Tola went to El Camino College in Southern California and NMB Senior High School in North Miami Beach, Florida, he received his Insurance License in the state of California in 1988 and created JLT & Associates, Inc in 1995 to provide financial services for his clients, focusing in the area of life and annuities market. In 1998 Jorge Tola moved to Florida with his two children ages 9 and 10 as a single father. Jorge met a wonderful partner and companion and married her in early 1999 and had two more wonderful children, and resides in the Miami area. He has acquired significant recognitions within the financial industry, obtaining many awards as Top Producer and Top Seller among his peers. JLT & Associates has remained in continues existence and has specialized in the mortgage, life and annuities market arena since 2000, providing service to our clients from Orlando to Key West in all areas of insurance services. We analyze each individual client's situation, and design a custom plan that fits our client's portfolio. Each associate JLT & Associates, Inc, has many years of experience in his or her field, and are completely qualified to assist our clients meet and exceed their expectations.