Don't add the rice yet, the rice will enter this equation AFTER the beans have cooked and soak up a lot of that great flavor and color from bean-cooking process.
Add beans, coconut milk, jerk seasoning and water to a medium sauce pan, stir to combine. Cover and bring to a simmer.
Simmer the beans for 1 hour. Test the beans at this point. They should be almost done. If they are still too hard, simmer for another 30 minutes before adding the rice.
Stir in the rice and continue to simmer for about 30 minutes, until the rice is done.
Remove from the heat but leave covered to steam the rice for another 10 minutes or so.
Season with salt to taste.