Welcome to Johnson and Associates Financial Services

(706) 751-4432

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About Us

Life Insurance Specialist

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 I am the owner and Senior Life Insurance Agent of Johnson and Associates Insurance.We are a locally owned independent Life insurance agency in Augusta,Ga. We have been providing quality Life insurance services since 1986.We are a family Life insurance agency that offers , Life Insurance, and Final Expense Insurance. We specialize in both types of Life Insurance.We have low- cost Term Insurance and Whole Life.Call: 706-751-4432




Life insurance For Diabetics

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If you have diabetes and you’ve been turned down for life insurance coverage in the past, you may feel like getting the protection that you need is impossible. But, the good news is that you can still obtain life insurance – you just need to know how and where to look. Being prepared when submitting your life insurance application for coverage is also important – and we can help you to do so.


When searching for the best life insurance for diabetics, we can help. We work with many of the top rated life insurance companies in the marketplace today – and we can work with you in comparing policy benefits and premium prices so that you can find the coverage that best fits in with your specific needs and budget.

Call:706-751-4432




Life Insurance

Life Insurance

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TERM INSURANCE

Level Term is life insurance for which the premiums and the death benefit remain the same year after year, and typically provides protection in increments of five, ten, twenty, or thirty years. Term insurance is best suited for covering specific needs within a defined period of time and allows you to secure larger amounts of coverage at affordable premiums.


UNIVERSAL LIFE


Universal Life Insurance is a type of Whole Life Insurance and Investment Savings. By providing the protection of term life and the cash value of whole life; universal life insurance appeals to consumers who prefer protection and long-term security with a need for Retirement cash accumulation.


FINAL EXPENSE INSURANCE


One of the main advantages of Final Expense insurance is that it can be a relatively easy way to arrange and fund your funeral in advance, offering peace of mind to the loved ones who would otherwise be tasked with handling everything during a potentially difficult time. This is especially important when you consider that funerals can average $8,000 and cost well upwards of that. This is why many people opt to buy final Expense insurance rather than risk being a potential financial burden to their loved ones.





Memorial Planning Guide

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The information contained in this booklet is for the peace of mind of the folks left behind as well as your own, because it will spare everyone unnecessary distress at the time of death.It means a great deal to know that you have taken steps to eliminate as much of the burden of decision making, as possible.Request your copy below





Senior and Veterans Solution

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FINAL EXPENSE INSURANCE


One of the main advantages of Final Expense insurance is that it can be a relatively easy way to arrange and fund your funeral in advance, offering peace of mind to the loved ones who would otherwise be tasked with handling everything during a potentially difficult time. This is especially important when you consider that funerals can average $8,000 and cost well upwards of that. This is why many people opt to buy final Expense insurance rather than risk being a potential financial burden to their loved ones.

Life Insurance

Life Insurance

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TERM INSURANCE

Level Term is life insurance for which the premiums and the death benefit remain the same year after year, and typically provides protection in increments of five, ten, twenty, or thirty years. Term insurance is best suited for covering specific needs within a defined period of time and allows you to secure larger amounts of coverage at affordable premiums.


UNIVERSAL LIFE


Universal Life Insurance is a type of Whole Life Insurance and Investment Savings. By providing the protection of term life and the cash value of whole life; universal life insurance appeals to consumers who prefer protection and long-term security with a need for Retirement cash accumulation.


FINAL EXPENSE INSURANCE


One of the main advantages of Final Expense insurance is that it can be a relatively easy way to arrange and fund your funeral in advance, offering peace of mind to the loved ones who would otherwise be tasked with handling everything during a potentially difficult time. This is especially important when you consider that funerals can average $8,000 and cost well upwards of that. This is why many people opt to buy final Expense insurance rather than risk being a potential financial burden to their loved ones.





Memorial Planning Guide

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The information contained in this booklet is for the peace of mind of the folks left behind as well as your own, because it will spare everyone unnecessary distress at the time of death.It means a great deal to know that you have taken steps to eliminate as much of the burden of decision making, as possible.Request your copy below





Senior and Veterans Solution

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FINAL EXPENSE INSURANCE


One of the main advantages of Final Expense insurance is that it can be a relatively easy way to arrange and fund your funeral in advance, offering peace of mind to the loved ones who would otherwise be tasked with handling everything during a potentially difficult time. This is especially important when you consider that funerals can average $8,000 and cost well upwards of that. This is why many people opt to buy final Expense insurance rather than risk being a potential financial burden to their loved ones.

Site Content

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Is term life insurance best for everyone?

Is term life insurance best for everyone?


Term insurance is for a term, a period of time.That period of time could be used in protecting a young family.The cost of term insurance is much more affordable than permanent Life insurance. The rates generally increase at each renewal period.



Universal Life Insurance is a type of Whole Life Insurance and Investment Savings. By providing the protection of term life and the cash value of whole life; universal life insurance appeals to consumers who prefer protection and long-term security with a need for Retirement cash accumulation.

Whole Life Insurance:


A Whole Life Insurance policy will cover you for the whole of life. The death benefit is permanant,and so is the premium.The death benefit paid to your beneficiary is nontaxable and avoids probate. The cash value grows on a tax deferred basis. If you should decide to cash in your policy, you'd only be required to pay tax on the net gain. As an example, suppose your total cash value was $25,000 and the amount you paid in premiums was $15,000. The difference of $10,000 would be the net gain.




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Johnson and Associates Financial Services

(706) 751-4432