About Us


Protecting Futures

Building Relationships

Protecting Futures

We have years of insurance experience helping clients prepare for the unknown. Ask us about:

  • Life Insurance 
  • Living Benefits Insurance
  • Wealth and Retirement
  • Tax Free Retirement Plans
  • Fixed Indexed Annuities

We have access to many different insurance products so you can get the right one for you and your family!


Assessing Need

Building Relationships

Protecting Futures

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly for the right reasons, at the right price.

Don't get caught with "obsolete" insurance that doesn't 

benefit you while you live.


Building Relationships

Building Relationships

Building Relationships

Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-earned assets.

"Insure Your Retirement"

Site Content

Informative Videos

For your convenience,  below are 3 three short videos that give an overview of our products / services; please watch:

https://mjvirtuallife.com  (16 min.)  Indexed Universal Life vs. 401k/IRA

https://mjvirtual401k.com (10 min. video, pay close attention to the last 4 min., The Tax Guy)


INCOME OPPORTUNITY: Watch the two short videos on this link:



Our Team


Melvin (Mel) Jones

JFS Insurance Solutions is an independent financial and insurance advisory firm.  Unlike many other financial advisers, we do not charge a fee. We are compensated by "A" rated insurance companies for selling their products.

This means our advice to you is completely based on what's best for you.  Period.  We think it's the only arrangement that's fair to our clients.

We are committed to building lifelong relationships with clients based on honesty, prompt service and results.  We use the best research and technology available to identify insurance companies that we believe are financially sound and stable.

If you need expert financial advice and assistance, we'd be happy to help.

Mel Jones is a professional Financial Adviser and Insurance Agent/Broker partnered with several top-rated insurance carriers in the nation.  In my role as consultant with Virtual Financial Group (VFG) / World Financial Group (WFG), my team and I design customized benefit packages based on an individual’s needs and desires. We help people eliminate the risks of becoming financially distraught if something unexpected happens in their lives as it relates having money available during certain health issues and to protecting their hard-earned retirement savings. 

Since 1990, my expertise has developed within the auspices of the life insurance industry.

My passion is introducing the fiduciary concept for Retirement Savings Protection that helps people save AND increase their money without the risk of losing any of it "when" market volatility occurs. I refer to this principle as "sleep insurance" for my clients. This allows me the accomplishment of fulfilling my purpose and my contribution of helping people. My goal is to establish trusting relationships with prospective clients, getting to know them, their life goals and providing insured investments as an alternative to risking their retirement savings and pensions.


Our Team of Experts

Melvin Jones - Insurance Broker

Virtual Financial Group (VFG)

World Financial Group (WFG)



Contact Us

JFS Insurance Solutions

6614 Clayton Rd., #243, Richmond Heights, MO 63117, US

Bus. (314) 875-0036 Mobile: (314) 368-4031


Monday - Friday: 9am - 8pm

Saturday: 10am - 2pm

Sunday: Closed

Schedule a Free Asessment