Personalized Insurance Solutions

Your Reliable Partner
in Insurance.

As a Life & Health Insurance Agent, I am committed to helping my clients secure their financial future with personalized insurance solutions

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Your Reliable Partner in Insurance

Profile Overview & Focused Area of Expertise Profile Overview & Focused Area of Expertise

As an experienced industry professional, I offer tailored insurance and financial solutions that align with your unique needs and goals. I am passionate about helping families and businesses achieve financial security and peace of mind by providing clarity and confidence in their financial decisions.

Maria Johansen Member Successfully Verified
Verified Seal
Member with a verified seal indicate they have provided and successfully verified their national producer number.

What is a National Producer Number (NPN)?

The National Producer Number is a unique NAIC identifier assigned through the licensing application process. NPNs are assigned to all individuals and most business entities on the PDB (Producer Database).

Producer Database (PDB)

The Producer Database (PDB) is a central repository of producer licensing information updated on a timely basis by participating state insurance departments. Currently, the PDB includes information from all 50 states, as well as the District of Columbia, Guam, Puerto Rico and Virgin Islands.

USA Verification Partner: www.nipr.com

The License & Producer Verification feature is specifically designed to operate within countries and jurisdictions where it is legally permissible and where active partnerships with relevant organizations are in place. This ensures that the service is provided accurately and responsibly, relying on the support and collaboration of local entities that are authorized to verify and provide such information. As such, availability of this feature is contingent upon our ability to establish and maintain these critical partnerships, which play a crucial role in facilitating the verification process and ensuring the feature's efficacy and compliance with local regulations.

Insurance Agent
, CLU®, CASL®

About Me

16 Years of industry experience

I am an accomplished Life and Health insurance agent with over 10 years of experience. I am known for my empathetic approach and deep understanding of the complexities of life and health insurance; I have a proven track record of providing clients with personalized insurance solutions that meet their unique needs. My mission is to empower my clients through education and personalized service, ensuring they make informed decisions about their insurance needs. I am committed to building relationships based on trust and integrity, providing peace of mind through tailored insurance solutions.

Servicing States & Licenses
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Maria Johansen

Insurance Guidance You Can Trust Insurance Guidance You Can Trust

I provide a comprehensive array of insurance products and services, offering superior support to my clients, with the goal of building their trust and becoming their preferred source for insurance guidance.

Beginning the conversation

Beginning the conversation

In my role as a Life insurance professional, the cornerstone of my approach is building trust and providing empathetic, reliable guidance amidst the complexities of life insurance. This commitment is not just a professional obligation, but a personal mission to deeply understand and address the unique needs of each individual and family I work with. By demystifying the intricacies of life insurance policies and tailoring them to suit specific situations, I strive to ensure that my clients feel confident and secure in their decisions.

Identifying goals and preparing proposals

Identifying goals and preparing proposals

The personalized approach that I adopt as a insurance professional is key in ensuring that each client receives coverage that is not only comprehensive but also precisely tailored to their unique needs. By thoroughly understanding each client's financial situation, assessing their specific risk factors, and aligning with their future goals, I am able to craft insurance solutions that are as individual as they are. This attention to detail and customization is what sets my service apart, making sure that each client is equipped with a policy that truly resonates with their individual journey.

Preferred insurance carriers Preferred insurance carriers

Partnering with leading insurance and financial companies, I offer my clients a comprehensive range of customized products and services strategically crafted to address their priorities.

Experience & Accolades Experience & Accolades

My career as a Insurance Agent has been greatly influenced by my education and wide-ranging experience in the insurance and financial sectors. This blend of knowledge and experience has equipped me with the necessary skills and assurance to effectively assist my clients with their insurance and financial requirements.

Career Details

Career Details
  • Financial Advisor 2022 - Present
    at Eastern Financial Group
  • Insurance Agent 2020 - 2022
    at US Insurance Co.
  • Insurance Adjuster 2017 - 2022
    at National Mutual Adjuster
  • Sr. Sales Associate 2012 - 2017
    at Allied Insurance Company

Academic Qualifications

Academic Qualifications
  • Chartered Life Underwriter® 1975
    from American College of Education
  • MBA 1972
    from University of Kansas
  • Bachelor of Business 1968
    from University of New York
  • Graduate Political Science 1967
    from University of Minnesota

Awards & Recognitions

Awards & Recognitions
  • Insurance Lead Producer 2022
    at Allied Insurance Company
  • Top Life Producer 2021
    at Secured Life
  • Top Life Producer 2020
    at National Mutual Adjuster
  • Rookie of the Year 2019
    at Hartford Adjuster
  • Agent Council President 2018
    at US Medical Group

Office Location & Hours Office Location & Hours

Johansen Financial Solutions

 125 Half Mile Road Red Bank, NJ 07701
  • Mon
    9:00 AM - 5:00 PM
  • Tue
    9:00 AM - 5:00 PM
  • Wed
    9:00 AM - 5:00 PM
  • Thu
    9:00 AM - 5:00 PM
  • Fri
    9:00 AM - 5:00 PM
  • Sat
    CLOSED
  • Sun
    CLOSED

Office hours may vary on holidays.

Knowledge Base

Simplifying Your Insurance & Financial Journey

Navigate the complexities of insurance and financial solutions without the jargon. Use the knowledge base to find clear, concise, and practical information that helps you make informed decisions.

Estate Planning

Secure Your Legacy: Estate Planning Guidance

Did you know that many people don't realize they need estate planning? Even if you have a will, it might not cover everything you need. Estate planning and financial strategies are closely linked, and we're here to help you through the process.

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Auto Insurance

Get a No-Obligation Auto Insurance Quote

Incorporating the right auto insurance into your financial plan is essential for protecting yourself and your assets from the unexpected costs associated with vehicle accidents, theft, or damage.

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Life Insurance

Secure Your Family's Future this Life Insurance Awareness Month

Life Insurance Awareness Month is here, and it's the perfect time to address that task you've been putting off. We all know how easy it is to say, "I'll get to it later," but when it comes to protecting your family's financial future, later might be too late.

Continue Reading

Get in touch with me

(365) 984-5212

Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally identifiable information' (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address or other details to help you with your experience.

When do we collect information?

We collect information from you when you place an order or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

  • To quickly process your transactions.
  • To send periodic emails regarding your order or other products and services.
How do we protect visitor information?

We do not use vulnerability scanning and/or scanning to PCI standards.

We do not use Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use 'cookies'?

Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. Read More >>

We use cookies to:

  • Keep track of advertisements.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.

If you disable cookies off, some features will be disabled It won't affect the users experience that make your site experience more efficient and some of our services will not function properly.

However, you can still place orders

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but we may do so in the future.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. - See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA we agree to the following:

Users can visit our site anonymously

Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.

Our Privacy Policy link includes the word 'Privacy', and can be easily be found on the page specified above.

Users will be notified of any privacy policy changes:

  • On our Privacy Policy Page

Users are able to change their personal information:

  • By emailing us

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third party behavioral tracking?

It's also important to note that we do not allow third party behavioral tracking.

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online.

We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

We will notify the users via email

  • Within 7 business days

We will notify the users via in site notification

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

  • Process orders and to send information and updates pertaining to orders
  • We may also send you additional information related to our product and/or service.

Personal information collection

To be in accordance with CANSPAM we agree to the following:

  • NOT use false, or misleading subjects or email addresses
  • Identify the message as an advertisement in some reasonable way
  • Include the physical address of our business or site headquarters
  • Monitor third party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly
  • Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, you can

and we will promptly remove you from ALL correspondence.

Contact Us

If there are any questions regarding this privacy policy you may contact us using the information below.

Target Marketing & Advertising
61-43 186th Street, Suite 455
Fresh Meadows, NY 11365

Telephone: +1 718 303 2270
Email: [email protected]

Your Privacy is Our Priority

We utilize third-party validation from Sectigo & Trust Guard to ensure your data is transmitted securely through encrypted connections, safeguarding your personal information in accordance with our privacy policy.

General Terms & Conditions

You may use Insurance Agent Finder under the Terms and Conditions on this page. Please read this page carefully. By using our Web site and other associated services, you accept the Terms and Conditions stated and agree to be entirely bound to this agreement. Insurance Agent Finder (the "Company") may revise these Terms and Conditions at any time by updating this posting, thus "You" or "User" (referring to the individuals accessing this Web site) should review the Terms and Conditions periodically since you are obligated to them.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid e-mail address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company will not disclose to any third party your name, address, e-mail address or telephone number without your prior consent, except to the extent necessary or appropriate to comply with applicable laws or in legal proceedings where such information is relevant. If you are a registered member your contact information however will be listed on your profile page and will be available for public access.

Liability Disclosure

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time. You acknowledge and agree that you are solely responsible for the form, content and accuracy of any profile or material contained therein placed by you on the Web Site. Employers are solely responsible for their postings on the Web Site. The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site. The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $100.

Links to Other Sites

The Web Site contains links to third party web sites. The Company is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

Privacy Statement

Your privacy is important to Insurance Agent Finder. This privacy statement provides information about the personal information that Insurance Agent Finder collects, and the ways in which Insurance Agent Finder uses that personal information.

Personal information collection

Insurance Agent Finder may collect and use the following kinds of personal information:

  • [information about your use of this website  ]
  • [information that you provide using for the purpose of registering with the website  ]
  • [information about transactions carried out over this website  ]
  • [information that you provide for the purpose of subscribing to the website services  ]
  • [any other information that you send to Insurance Agent Finder.]

Using personal information

Insurance Agent Finder may use your personal information to:

  • [administer this website;]
  • [personalize the website for you;]
  • [enable your access to and use of the website services;]
  • [publish information about you on the website;]
  • [send to you products that you purchase;]
  • [supply to you services that you purchase;]
  • [send you statements and invoices;]
  • [collect payments from you; and]
  • [send you marketing communications.]
  • [The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to periodic company news, updates, and/or related product or service information, etc.]

Where Insurance Agent Finder discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement. In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, Insurance Agent Finder may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.

Securing your data

Insurance Agent Finder will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information. Insurance Agent Finder will store all the personal information you provide on its secure servers.

[Information relating to electronic transactions entered into via this website will be protected by encryption technology.]

Cross-border data transfers

Information that Insurance Agent Finder collects may be stored and processed in and transferred between any of the countries in which Insurance Agent Finder operates to enable the use of the information in accordance with this privacy policy.

[In addition, personal information that you submit for publication on the website will be published on the internet and may be available around the world.] You agree to such cross-border transfers of personal information.

Updating this statement

Insurance Agent Finder may update this privacy policy by posting a new version on this website. You should check this page occasionally to ensure you are familiar with any changes.

Termination

The Company reserves the right, at its sole discretion, to immediately terminate your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of this Agreement.

No warranties

This website is provided "as is" without any representations or warranties, express or implied.  Insurance Agent Finder makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Insurance Agent Finder does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind.  [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]

Indemnity

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of this Agreement. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

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