J. Letty Daniel

01/12/2026

People often ask me, J. Letty, why does a small business need a benefits broker, and why are your services essential?

Below are the core reasons:

Cost Savings & Negotiation Power
lower premiums through group leverage: Small businesses pay more per employee because they lack buying power. Brokers pool risk and negotiate rates that employers cannot access alone.
contract negotiation on your behalf: Brokers handle pricing, renewals, and vendor negotiations to secure better terms.

Compliance Protection
regulatory guidance: From ACA rules to COBRA, a broker keeps the business compliant and avoids costly penalties.
documentation and enrollment support: They manage forms, notices, and timelines so the employer doesn’t miss legal requirements.

Access to Better Plans & More Options
top-tier health plan access: Brokers connect small businesses to HMO, PPO, EPO, POS, HDHP, dental, vision, and even global travel insurance options normally reserved for larger groups.
life, disability, and supplemental coverage: Employees get financial protection for unexpected events—something that boosts retention.

Strategic Benefits Planning
expert guidance on building a competitive package: A broker aligns benefits with business goals, budget, and workforce needs.
cost-control analysis: They evaluate current plans and model alternatives to reduce employer and employee costs.

Employee Support & Retention
hands-on help during open enrollment: Brokers educate employees, answer questions, and ensure smooth enrollment.
additional perks and wellness programs: FSAs, legal plans, financial wellness, identity protection, pet insurance, and more help small businesses compete with large employers.

Time Savings for the Business Owner
outsourced benefits administration: Brokers handle the heavy lifting—shopping plans, managing renewals, resolving claims issues—so owners can focus on running the business.

Below is my contact information. Please feel free to call and schedule your free consultation today.

Respectfully,
Letty/J.Letty Daniel

12/24/2025

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12/23/2025

Brave Hearts Connecting — This Friday at 6:30 PM!
Ladies and gentlemen, a friendly reminder that our Brave Hearts Connecting event is happening this Friday at 6:30 PM.
If you’re single and craving genuine connection, this is your moment. Whether you’ve been working from home and missing real conversation or you’re simply ready to meet amazing new people, this gathering is the perfect space to socialize, laugh, and enjoy great company.
For those hoping to meet their future King or Queen, you never know who you might cross paths with. Our group attracts kind, uplifting, and intentional individuals who value meaningful connection.
Please RSVP today and come be part of a night filled with warmth, conversation, and possibility.
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12/23/2025

12/22/2025

It’s not too late to get the right health plans for your team.
Whether you have 2–50 employees, I’ll help you compare options and secure coverage that fits your business.
Call today — I’ll provide at least three quotes to review.

employee health plans

2–50 employee groups

three quotes to compare

No es demasiado tarde para encontrar los planes de salud adecuados para sus empleados.
Si tiene de 2 a 50 empleados, le ayudaré a comparar opciones y obtener al menos tres cotizaciones hoy mismo.

bilingual outreach

Spanish translation for clients

health plan comparisons

J.Letty Daniel
(210) 884-0043
https://www.jldinsuranceservices.com/home

12/22/2025

Need Health Coverage for 2026?
Call me today and we’ll review your options together so you can enroll in the plan that truly fits your needs.

Most consumers qualify for financial assistance to help lower their monthly premium.

Important deadline:
Enroll by January 15 for coverage starting February 1, 2026.

Schedule your free consultation today: (210) 884‑0043

¿Necesitas cobertura médica para 2026?
Llámanos hoy para revisar tus opciones y elegir el plan que mejor se adapte a tus necesidades. La mayoría de las personas califican para ayuda financiera.
Inscríbete antes del 15 de enero para comenzar cobertura el 1 de febrero de 2026.
📞 Consulta gratuita: (210) 884‑0043

https://www.jldinsuranceservices.com/home




-DominionE&P

12/09/2025

English: 2–50 Employees? Save big—act now!
Spanish: ¿2–50 empleados? ¡Ahorra en grande—actúa ahora!
English: Lower your annual bill. Call today! Spanish: Reduce tu factura anual. ¡Llama hoy!
English: Time is running out—benefits made easy! Spanish: El tiempo se acaba—beneficios fáciles y accesibles.
J. Letty Daniel | Insurance and Employee Benefits Advisor
(210) 884-0043
https://www.jldinsuranceservices.com/home

Attention Employers: It’s Time to Prepare for 2026 Benefits Enrollment! Health • Dental • Vision • Life Insurance •Long-Term Care • More

As a licensed insurance advisor and specialist in small business and corporate healthcare policies, I’m here to help you navigate your options and potentially save thousands on your employee benefits for the upcoming year.

✅ Plans available through Healthcare.gov and private carriers
✅ Group coverage tailored to your business needs
✅ Transparent, compliant guidance with no pressure
✅ Support for homeowners, entrepreneurs, and corporations alike

Let’s explore how much you could save for 2026. Call me today for a personalized consultation.

📞 J. Letty Daniel, Licensed Insurance Advisor | Medicare, AARP, Group Benefits Phone: (210) -884-0043 Serving All Texas and other states. Not licensed in all the states.

https://www.jldinsuranceservices.com/home

Not affiliated with or endorsed by the U.S. government or the federal Marketplace.

12/02/2025

🗓️ Período de inscripción abierta de Medicare (Período de inscripción anual – AEP)

Inicio: 15 de octubre de 2026 hasta 7 de diciembre de 2026

Qué puede hacer:

✅Cambiar de Medicare Original a un plan Medicare Advantage

✅Cambiar de plan Medicare Advantage o de la Parte D

✅Cancelar un plan o regresar a Medicare Original

✅Agregar cobertura de medicamentos recetados si cumple con
los requisitos.

✅Repasemos juntos sus opciones de Medicare.

✅Estoy disponible para explicarle Medicare en el idioma que
prefiera.”

✅Contácteme para simplificar sus decisiones sobre Medicare.

✅ Profesional y neutral

J. Letty Daniel - Broker - Medicare Advisor
(210) 884-0043
Jlettydaniel@jldinsuranceservices.com

https://www.jldinsuranceservices.com/home

12/02/2025

✨ Lower Your Healthcare Costs in Seconds ✨

Did you know you may qualify for government subsidies that can reduce your healthcare expenses? 🏥💸

✅ Submit your information through our secure system ✅ Get instant results on your eligibility ✅ Reach out if you’d like personal guidance—I’m here to help every step of the way

👉 Don’t miss out on savings that could make a real difference for you and your family.

(jldinsuranceservices.com)
(210) 884-0043

Click below to see if you qualify for free or reduced-cost healthcare. It only takes a few minutes, and you’ll get instant results:

https://www.healthsherpa.com/?_agent_id=juana-daniel-inmkpq

11/27/2025

✨ Thanksgiving Blessing 2026 ✨ Science is finally affirming what the Bible has told us all along: we are chosen by God, the Creator—the only One who gives &create life. We are pure energy. When we practice darkness, our rhythm falls out of alignment with Him.
The body returns to dust, just as scripture teaches, but the soul lives forever. Destiny is the most important goal in life. Choose wisely. Spread love, live in truth, and walk in light.

Scientists have discovered something extraordinary that happens at the very moment life begins: when a s***m enters an egg, a tiny burst of light flashes — a microscopic spark marking the start of fertilization. This glow comes from a surge of zinc and calcium released inside the egg, creating a brief “firework” visible under advanced imaging. Researchers say it’s the egg’s way of signaling that fertilization has occurred and that a new genetic blueprint has just been formed.

The burst isn’t just beautiful — it has biological meaning. Eggs that produce stronger, brighter flashes tend to be healthier and more likely to develop into viable embryos, giving scientists a new window into early human development. The discovery also helps fertility specialists understand which eggs are most capable of successful growth, potentially improving IVF success rates and giving hopeful parents more accurate options.

This spark has fascinated the scientific community because it symbolizes the moment two sets of DNA unite to create a new, unique human life. Though the flash is only visible through high-resolution microscopes, it reminds researchers of the remarkable precision and complexity of conception — a process that happens quietly, instantly, and perfectly timed.

It’s one of nature’s most stunning hidden moments: the first spark of life, captured in a single burst of light.