John Barnes
BS - Engineering
MBA - University of Illinois Urbana Champaign
CFP® designation conferred in 2009
Why Work With Us?
I’m John Barnes — a CFP®, independent insurance broker, and problem‑solver for people who don’t fit the “perfect applicant” mold. For years, I’ve helped individuals and families secure life, disability, and other essential insurance coverage, especially when health issues, lifestyle risks, or past declines made the process feel impossible.
My work is built on a simple belief: everyone deserves access to clear guidance, honest expectations, and a real strategy — not sales pressure or guesswork.
Clients choose to work with me because I make the process human. I explain everything in plain English, set realistic expectations, and advocate fiercely on their behalf. As an independent broker, I’m loyal to the client — not the carrier — which means I shop the entire market to find the right fit, not the easiest sale.
If you’ve been told “no,” if you’re overwhelmed by the process, or if you simply want an expert who treats you with honesty and respect, you’re in the right place. My job is to bring clarity, strategy, and confidence to one of the most important financial decisions you’ll ever make.
Frequently Asked Questions
Why should I work with you instead of a traditional insurance agent?
I bring a unique combination of CFP®‑level financial expertise and deep experience with high‑risk insurance cases. Most agents focus on quoting policies; I focus on solving problems, navigating underwriting, and finding solutions for people who’ve been told “no.” My approach is strategic, transparent, and tailored to your real‑life situation.
What makes you different from other independent brokers?
Many brokers are independent, but few specialize in complex or high‑risk cases. I understand carrier appetites, underwriting nuances, and the pathways that turn declines into approvals. I also communicate in plain English, set realistic expectations, and guide you through every step so you always know what’s happening and why.
Do you only work with high risk clients?
Not at all. While I’m known for helping people with complicated medical histories, risky occupations, or past declines, I also help individuals, businesses, and families who simply want clear, honest guidance. Whether your situation is straightforward or complex, you get the same level of care, strategy, and transparency.
What types of insurance do you help with?
I help clients secure life insurance, disability insurance, long-term care, and other essential coverage that protects their families and financial plans. I also help many businesses and business owners establish group employer plans and other types of insurance to protect their business. Because I’m independent, I can shop multiple carriers to find the best fit for your needs — not the one that’s easiest to sell.
How does your CFP® background help me?
As a Certified Financial Planner™, I look at insurance through a broader financial lens. I help you understand how coverage fits into your long‑term goals, how underwriting decisions are made, and what strategies can improve your outcome. It’s a level of clarity most people never get from traditional agents.
What if I’ve been declined before?
Yes. A previous decline does not mean you’re uninsurable. It often means the case wasn’t submitted to the right carrier or wasn’t presented with the proper underwriting strategy. I review your history, identify what went wrong, and help you apply to companies that are better suited for your specific risk factors. In many situations, I am able to get you the coverage you need or some level of coverage, even if you have been declined before.
How long does the insurance approval process take?
The timeline depends on the type of insurance and your risk profile. Some applications are approved quickly, while others require more detailed underwriting. I provide a realistic timeline upfront and keep you updated throughout the process.
Can you help if I live in another state?
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