Toni Johnson, Life Insurance Agent
Toni Johnson
MRS Insurance Inc
Life Insurance Agent Licensed in FL, IN, KS, MO, OH, TN, VA and WV
10+ Years of Experience
Contact Details
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Location
Tampa, FL
About Me
Married, Mother of 3, retired nurse, and a Florida native.
Toni Johnson has had a successful carrier in the healthcare industry and saw firsthand the struggles people dealt with. Visiting the sick or injured in their homes, and witnessing seniors not having the essentials of life or insurance to cover the costs was enough to convince her to make a life change. As an Independent Life and Health Agent, she is devoted to helping people in all walks of life navigate the overwhelming insurance market.
Toni has a true gift for patience and a drive to do what is right, helping hundreds along the way find the insurance plan that will provide quality coverage at an affordable price. No matter how insignificant or how large the client sees the task, putting the client’s needs before her pocketbook Toni will not rest until a suitable plan is found.
"Insurance is a serious investment. The optimum time to purchase it is when it really is not needed." Toni will help you find the plan that fits your lifestyle and your budget while meeting your needs.
Her passion is what defines her and she loves helping people, "... an independent agent because a person should have a choice".
A true advocate for the people, Toni Johnson is the Agent you want helping to find the plan that brings inner peace and harmony for the rest of your life.
Q&A with Toni Johnson
What is key person life insurance and does my business need it?
Answer: Key-Person Life Insurance is a business-owned life insurance policy purchased by the company/business and is owned completely by the business. The key person might be a co-owner, or possibly the CFO, etc.
If that person dies, the insurance pays a death benefit directly to the business. It is protection and allows time and expenses to re-hire for the position lost due to death.
Consider it a financial safety net for the business.
Is whole life insurance more expensive than term life insurance?
Answer: Whole life insurance policies do not expire at a certain age nor do the rates increase over time as can with a Term Life policy. It is similar to Term, but for life. It is more expensive and here is why: There is an investment or savings component, meaning it builds cash value. And, since your policy can build cash value, that is allowing you to borrow against the loan means the cost is more due to the ongoing account management by the insurance company.
With a Term Life policy you are only getting coverage for a certain number of years then it expires, no payout. Basically, you are paying purely for mortality risk protection. The Term policy has no cash value to track. If you do not die in a window defined by the term, the insurer keeps all your premiums paid over the entire term. This is a nice clean bet for them.
The final question based on the above would be what appeals to you? Are you wanting a guaranteed lifelong coverage and estate planing certainty, or are you okay with a less expensive premium for a defined period of time, or still, possibly consider both to help you in all stages of life?
What ever your choice I am here to assist you in making the decision that best suits you. Does it fit within your budget and your lifestyle while meeting your needs?
Do life insurance premiums increase as you get older?
Answer: Thank you for your question about increasing Life Insurance costs.
Life Insurance premiums can increase as you get older. If we are asking if a current policy can increase as one gets older then usually the answer would be no. If you buy a Term policy at a younger age, your premium is locked in for the life of the term, whether it is a 10, 20, or 30 year term.
If you renew or purchase a new Term policy later, the premium will reflect your current age and can be significantly higher. An example might be: A 30 yr old pays $30 or $40.00 each month for a 20 yr term, while the same coverage at age 50 yrs. could cost between $150-$200 a month.
However, Permanent Insurance (Whole Life, or Universal Life) will typically be level throughout the life of the policy. That being said, the initial premium will still, as with a Term policy, be higher if you purchase the policy at an older age compared to the same policy being purchased when you are younger.
Some Universal Life Insurance policies have flexible premiums that adjust with certain years span that will increase with age.
If you have any other questions do not hesitate to ask.