Se Habla Espanol        site map | contact us | home     





Get A Quote









What’s more important than the lives of those who depend on you? If something were to happen to you, you would want everything to be in order for them. With Johnson Insurance whole life insurance policy, you can be confident that you've done what’s right for you and them.


Life insurance from Johnson Insurance can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.


As your personal situations change (e.g., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.


We offer a variety of life insurance products, including permanent, term, variable, flexible and whole life policies.



What are the benefits?

The biggest benefits of life insurance policies include:

Permanent protection

Predictable, fixed premiums

Ability to customize policy with riders for an additional charge

Guaranteed cash value and death benefits

Access to your money through loans (for an additional charge, certain restrictions      apply)

Income tax-free death proceeds


Unlike term life insurance, which does not accumulate any cash, some of the money you pay into your whole life policy is guaranteed to grow. The death benefit may make whole life insurance a good choice for protecting your assets (like your house or business) from loss, or to take care of your final expenses.


And, Johnson Insurance lets you take care of your family in ways you may never have thought of.


Other Benefits of having Life Insurance:

I Need to Leave Money to Pay My Final Expenses

To meet this need, you may be most interested in products with a death benefit – all life insurance has this feature in a range of amounts depending upon the value of the policy. A death benefit gives your loved ones money – typically, tax-free – that they may use to pay your final expenses in the event of your death.


If the cost of premiums is a concern, you may want to look at coverage that is designed for low cost, while still providing a death benefit that may be sufficient to cover the expenses your family will face when you’re gone.


I Need to Pay for My Kid´s Education

To meet this need, you may be most interested in products that provide features that could be used to pay a child’s education costs – regardless of whether you’re there or not.

You may want to consider guaranteed cash value, so that you know a certain amount of money is available, and access to your money, which would let you to use it for tuition and other education expenses.


You also may want to consider market participation, which would give you the potential of seeing the value of your policy increase based on the performance of any investments in your policy.


You also may find the tax advantages of various life insurance products helpful in funding your child’s education − from tax-free death benefits to policy loans without tax penalties.1

Finally, a death benefit feature would give your loved ones the option of paying education costs in the event of your death. Remember that neither the company nor its representatives give legal or tax advice, so consult your attorney or tax advisor about those issues.


I Want to Leave Money to Pay Off My Mortgage In the Event of My Death

To meet this need, you may be most interested in products that provide a death benefit and – if affordability is a concern to you – are designed for low cost.


You may want to consider purchasing basic life insurance in the amount and for the duration of your mortgage. Then, if you die during that period or “term” that the policy is in force, your loved ones have the option of using the policy’s death benefit to pay off the mortgage on the family home. Learn more about paying off your mortgage with term life insurance.



Life insurance tax benefits

You also may want to consider features that offer life insurance tax advantages– like tax-free death benefits or even loans you may be able to take against the value of your policy without incurring tax penalties. If you choose to take loans or partial withdrawals, the surrender value and the death benefit payable to your beneficiaries will be reduced.

But remember that neither the company nor its representatives give legal or tax advice, so consult your attorney or tax advisor about those issues.





(p) (828) 258-8030 ∙ (f) (828) 258-8030