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Final Expense
Help protect your loved ones from funeral and end-of-life expenses with affordable coverage designed to provide peace of mind.
Protect your loved ones today
Protect the People
Protect the People
Who Matter Most.
Independent life insurance solutions designed to protect your family, your home, and your future.
✓ Independent broker
✓ Licensed in 10 states
✓ Multiple carrier options
✓ Free consultations
Alabama · Arizona · Maine · Michigan · New Hampshire · Ohio · South Carolina · Texas · Virginia · Washington
Janiah Pena
Licensed Insurance Broker
NPN: 22143783(888) 603-5829
Pena Protection
Protection built around real life.
We help families understand their life insurance options without pressure or confusion. Every recommendation starts with your priorities, budget, and the people you want to protect.
Coverage solutions
Protection Solutions
Explore coverage options designed to help protect the people and goals that matter most.
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Mortgage Protection
Help ensure your family can remain in their home by providing financial protection if the unexpected happens.
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Indexed Universal Life
Flexible permanent life insurance that offers lifelong protection with the potential to build cash value linked to market index performance.
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Whole Life Insurance
Permanent life insurance that provides lifelong coverage and guaranteed cash value growth, helping protect your family's future for years to come.
Why work with me
Guidance You Can Trust.
Guidance You Can Trust.
Protection That Lasts.
I help individuals and families understand their options, compare solutions, and make informed decisions without unnecessary pressure.
PersonalizedCoverage built around your needs.
Multiple OptionsAccess to a range of carrier solutions.
Ongoing SupportA real person to help along the way.
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Protection is about people.
Your coverage should reflect the life you're building and the people counting on you.
How it works
Simple. Personal. Straightforward.
Getting started takes only a few minutes.
1
Tell Me About You
Share a few details about your needs and goals.
2
Explore Your Options
Review potential solutions and coverage paths.
3
Choose Your Plan
Select coverage that fits your priorities and budget.
4
Protect What Matters
Move forward with confidence and ongoing support.
About Janiah Pena
Protecting Families
Protecting Families
Is Personal to Me.
I have witnessed in my own life the devastation that can occur when proper planning is not in place. That experience inspired me to help families build financial protection and greater peace of mind.
My goal is to make the process clear, approachable, and centered on your needs—not on pressure.
Janiah Pena ♡
“My goal is to make the process simple, stress-free, and built around your unique needs.”
Carrier access
Multiple Insurance Options
Carrier availability, product availability, underwriting, and eligibility vary by state and applicant.
AmericoAetnaEthosForesters Financial
Mutual of OmahaAIGAtheneNational Life Group
TransamericaRoyal Neighbors of AmericaCombinedAmerican-Amicable
Carrier names are shown for planning purposes based on materials provided. Confirm current appointments and any logo/brand-use permissions before public launch.
Common questions
Frequently Asked Questions
How much life insurance do I need?
The right amount depends on income, debts, mortgage balance, dependents, future goals, and existing coverage. A short consultation can help identify a practical range.
Can I get coverage with health issues?
Possibly. Underwriting varies widely by carrier and product. Your health history, medications, age, tobacco use, and other factors may affect eligibility and pricing.
Do I need a medical exam?
Not always. Some products may offer accelerated or simplified underwriting, while others may require additional medical information.
How long does the process take?
Timing varies by carrier, product, and underwriting requirements. Some decisions may be faster than fully underwritten policies.