Our story
We Started Nemnich Insurance Because Insurance Shouldn't Be Confusing
After years watching families get sold the wrong policies by commission-hungry agents, we built something different — a life insurance broker that puts your needs first, every time.
Jay Nemnich
Life Insurance Broker
Why we do this work
Helping individuals and families protect what matters most. With 20+ years of experience helping people understand their benefits and financial protection options, I want to provide straightforward, personalized life insurance solutions without the pressure. Let’s find the right protection for you, your family, and your future not what pays the highest commission to agents.
By working with multiple top-rated carriers instead of just one, I can shop the entire market and recommend what actually fits each family's situation, budget, and goals.
Jay Nemnich brings more than 20 years of experience helping individuals and families navigate important decisions involving retirement, employee benefits, life insurance, and financial protection. A retired government retirement and benefits specialist, Jay is now a licensed Life Insurance Agent where he continues his commitment to helping people plan for their future, protect what matters most, and achieve their goals.
Licensed Life Insurance Broker · 20+ years experience in Retirements and Benefits
Our principles
Independence first
We are not captive agents. We work with multiple carriers so our recommendation is always based on your needs, not a sales quota.
Plain language, always
We explain every policy in terms you can understand before you sign anything. No jargon, no fine-print surprises.
No pressure, ever
Our consultations are free. We earn our fee from the carrier after you choose a policy — and only if you choose one.
Long-term relationships
Life changes. We review your coverage annually and reach out proactively when your situation calls for an update.
Credentials & carriers
Licensed, independent, and accountable
Nemnich Insurance is a licensed independent insurance agency. Jay holds active state life insurance licenses and is subject to ongoing continuing education requirements.
NPN: 8160138
KS, MO, OK
15+
Carrier partners
20+
Years of experience
A+
Carrier ratings (avg)
Carrier partners
"Jay took the time to explain every option clearly. I finally feel confident that my family is protected."
Sarah M.
Term life policyholder
"As a self-employed contractor, I had no idea where to start. Jay made the whole process simple and stress-free."
Derek L.
Self-employed, whole life policyholder
"I appreciated the honest advice — no pressure, just straightforward guidance that helped me make the right choice."
Amanda K.
Universal life policyholder
Ready to work with an advisor who puts you first?
Book a free, no-obligation consultation. We'll listen, explain your options, and help you make a confident decision.