01
We talk.
No fee, no pressure, no sales pitch. We sit down — at your kitchen table or on Teams — and you tell me what you're trying to figure out. I ask a lot of questions. I listen.
Meet Your Advisor
Forty-two years. One promise.
Honest help with the most important decisions of your retirement — from someone who picks up the phone on Christmas if a client needs him.
John F. Morrison
Owner · Licensed Insurance Producer
In the business since 1984
The Origin Story
I started part-time. Never looked back.
I started marketing insurance products part time while I was working in corporate America. After a short time I was enjoying the industry and was able to provide for my young family — so I went full time and never looked back.
I spent the first stretch of my career in New England, then moved my practice to Tennessee in 2011. Fifteen years here and counting. Forty-two years total in the business, and I’m still doing the same thing — sitting down with people to figure out what to do about Medicare, Social Security, and the rest of retirement. At your kitchen table when I can, on Teams when you’d rather. Either way, we walk through it together.
The sale isn’t the end. It’s the beginning of however many years we’re going to work together.
The Rule
On the business card. On the wall. In every call.
That motto’s been on my business card for as long as I’ve had business cards. I keep it there because it’s the one rule I never had to relearn.
Insurance is a regulated business. The right thing and the legal thing usually line up. But when they don’t — when someone calls me about a claim that got denied and the easy answer would be to shrug and refer them back to the carrier — that’s where the right thing matters. I make the call. I push back. I follow through. Forty-two years.
It’s why my retention rate has never dropped below 90% in an industry where 70% is the norm. Doing right by people is also good business. Funny how that works.
How I Work
Four steps. Soup to nuts.
Most agents stop at the policy. I help with Social Security, Medicare enrollment, claims, billing — the whole process. The sale is the beginning, not the end.
02
We figure out what fits.
I compare every carrier I'm appointed with against your situation — your prescriptions, your doctors, your budget, your spouse, your kids. Then I tell you straight which way I'd go.
03
I handle the paperwork.
Medicare enrollment. Social Security application if needed. The actual policy paperwork. I walk it through with you, signature by signature, until everything is filed correctly.
04
I’m your call for life.
Claims questions. Bills that don't make sense. Doctor-network changes. New plan year reviews. Add a family member. Switch products. Whatever comes up — that's why my retention rate stays above 90%.
Licensure & Trust
Independent. Appointed. Accountable.
I’m not tied to one carrier. I compare every plan I’m appointed for, then recommend what actually fits.
National Producer Number
NPN 3680444
Verifiable through the NIPR producer database.
Licensed In
Tennessee
Expanding across the Southeast via reciprocal licensure.
Client Retention
90%+
Industry average is 70%. Mine has never dropped below 90.
Appointed With
UnitedHealthcareHumanaAetnaCignaWellcareMutual of OmahaAllianz
Carrier list reflects current appointments. Plan availability varies by state and county.
Client retention
90%+
“The retention number isn’t the goal. It’s the result of doing right by people. The number is just how I keep score.”
— John F. MorrisonReady to talk? Let’s find 30 minutes.
No pressure. No quotas. I’ll listen, ask a few questions, and if I can help you I’ll tell you how. If I can’t, I’ll tell you that too.
I read every text. Even on Christmas.