Financial Strategist Big Win Agency

Helping Families Build, Protect & Multiply Their Wealth

Johnny Closer

A lifelong entrepreneur turned financial strategist — helping families protect their income, their assets, and their retirement with clear guidance, practical strategies, and the confidence to plan for what's ahead.

Book a Strategy Call Call (937) 499-1212
Johnny Closer - Financial Strategist, Big Win Agency
Nat'l
Serving Families
Coast to Coast
Meet Johnny

A Lifetime of Building Trust, One Conversation at a Time

Johnny Closer spent his career building businesses and serving people — and brings that same focus on relationships, clarity, and follow-through to every family he sits down with.

Johnny Closer is a Financial Strategist with Big Win Agency, based in Las Vegas, Nevada. A lifelong entrepreneur and proud father of two adult children, Johnny spent decades building businesses and serving people through leadership, sales, and long-term client relationships.

That same instinct — listen first, build trust, follow through — eventually pulled him into financial services. Today he helps individuals and families nationwide protect what matters most through income protection, asset protection, and retirement planning. The work isn't about selling a product; it's about giving people a clear-eyed plan they can actually execute.

Outside of work, Johnny is a semi-professional poker player, a certified skydiving and scuba instructor, and holds a black belt in Taekwondo — pursuits that taught him calculated risk, mental discipline, and the value of staying composed when the stakes are real. The same temperament he brings to a discovery call.

Families don't need another sales pitch. They need a clear plan, an honest conversation, and someone who will still be there a year from now to answer the phone.

— Johnny Closer

Nat'l
Serving families nationwide via phone & video
3
Core pillars — income, assets, retirement
A+
Rated carriers under one platform
15-min
Free strategy call — no pressure, no obligation
The Mission

Four Conversations That Change a Family's Trajectory

Every household Johnny works with starts here. These aren't products — they are the four protected areas every family needs handled before anything else gets built.

Income Protection

A breadwinner's most valuable asset is their next 30 years of income. Life and disability protection means that asset is never gambled — even on the worst day.

Debt Elimination

A debt-free household ten or twenty years sooner than the bank planned for. Real strategies, real math, structured payoff sequences that compound.

Retirement You Won't Outlive

Tax-advantaged growth, guaranteed income vehicles, and protection from market downturns at the worst possible moment. A retirement plan that holds up against real-life math.

Generational Wealth Transfer

What you build should outlive you. Estate strategies, trust planning, and tax-efficient transfer vehicles so the next generation inherits assets — not a tax bill.

The Toolkit

The Right Tool for Each Family's Plan

No single product fits every household. Johnny works through Big Win Agency's full suite of carriers and product lines to match the right tool to your specific situation, timeline, and budget.

Indexed Universal Life (IUL)

Growth · Protection · Tax Advantage

Permanent life insurance with cash value that grows linked to a market index — capturing gains during good years and protected from losses in bad years. Tax-advantaged growth, tax-free policy loans, and a death benefit that protects your family.

Best For

Families wanting protection AND a tax-advantaged growth vehicle they can access during life.

Term Life Insurance

Affordable · Pure Protection

Maximum death benefit for the lowest premium, locked in for 10, 20, or 30 years. The simplest, most cost-effective way to make sure your family is financially protected during the years it matters most — paying off the mortgage, raising the kids, building wealth.

Best For

Young families and breadwinners who need significant protection during peak earning and child-rearing years.

Whole Life Insurance

Lifetime Coverage · Guaranteed Growth

Permanent life insurance with guaranteed cash value growth and a guaranteed death benefit that never expires. Premiums stay level for life. Builds an asset on your balance sheet you can borrow against tax-free for opportunities or emergencies.

Best For

Families who want lifetime certainty, predictable growth, and a financial asset that doubles as protection.

Annuities

Guaranteed Retirement Income

Contractual income vehicles that turn retirement savings into a paycheck you cannot outlive. Fixed and indexed options offer principal protection from market downturns with growth potential — and guaranteed lifetime income when you're ready to start taking it.

Best For

Pre-retirees and retirees worried about running out of money or losing principal in a market crash.

Mortgage Protection

Keep Your Family in the Home

A specific type of term life insurance structured to match your mortgage balance and timeline. If something happens to a breadwinner, the policy pays off the mortgage — so your family keeps their home no matter what.

Best For

Homeowners with a mortgage and a family who depends on that home staying in their name.

Final Expense Insurance

Burden-Free Burial Planning

Smaller whole life policies designed specifically to cover funeral costs, end-of-life medical bills, and final expenses. Affordable premiums, simplified underwriting, lifetime coverage. So your kids and grandkids don't inherit a bill on top of their grief.

Best For

Seniors and anyone wanting to spare their loved ones from funeral costs averaging $9,000–$15,000.

Long-Term Care

Protect Your Retirement Assets

Coverage for assisted living, nursing care, in-home care, or memory care — services that can run $6,000–$10,000+ per month and that Medicare does NOT cover. Without it, a single extended health event can drain decades of retirement savings.

Best For

Adults in their 50s and 60s who want to protect retirement assets and not become a financial burden on their children.

Not Sure Which One?

Start With a Free Strategy Call

Most families need a combination of these products, structured in the right order. Johnny's job is to look at your full picture — income, debts, assets, age, family situation — and build a plan that fits. The 15-minute call sorts it out.

Book Your Free Call →
The Process

How Working With Johnny Actually Looks

A clear, no-pressure process designed around your timeline. No surprises, no high-pressure tactics — just a structured conversation followed by a custom plan.

1

A 15-Minute Conversation

Book a no-cost intro call. Johnny learns about your household, your goals, and what's keeping you up at night. If Big Win Agency isn't the right fit, he'll tell you that on this call.

2

A Personalized Financial Snapshot

Together you map where you are today — income, debts, protection in place, retirement assets, and gaps. No judgment, no pressure to act. Just clarity.

3

A Written Custom Strategy

Johnny builds a plan tailored to your numbers, your budget, and your timeline. You see exactly what you'd be doing, why, and what it costs — before you commit to anything.

4

Implementation On Your Timeline

When you're ready, Johnny helps you put the strategy in motion — paperwork, carrier selection, beneficiary setup, the works. You stay in control of the pace.

5

Ongoing Reviews

Life changes — marriages, kids, raises, moves, market shifts. Johnny reviews your plan annually (or sooner if you call) so what's in place keeps fitting where you are.

Common Questions

Answers Before You Pick Up the Phone

The questions families ask Johnny most often, answered directly. If you don't see yours, just call or text — there's no question too small.

Does it cost anything to talk to Johnny?

No. The initial conversation is completely free and lasts about 15 minutes. You'll leave with a clearer picture of where your household stands financially — whether or not you ever choose to work together. There's no pressure, no sales pitch, and no obligation.

How is Johnny paid?

Like most insurance and financial professionals, Johnny is compensated by the insurance carriers when a policy is placed — not by you directly. There are no fees for consultations, plan building, or annual reviews. The carriers pay him, you pay your monthly premium directly to the carrier, and everyone's interests stay aligned.

Does Johnny only sell one company's products?

No — and that's the point. Through Big Win Agency, Johnny works with dozens of A-rated carriers, which means he can shop your situation across the market and recommend the best fit for your health, age, budget, and goals. A captive agent (someone who only sells one company) doesn't have that flexibility.

I'm not sure I can afford insurance right now. Should I still call?

Yes. Most families overestimate what proper protection costs — a healthy 35-year-old can get $500K in 20-year term coverage for around $25–35 per month. Even if the timing isn't right today, knowing what gaps you have and what they'd cost to fix puts you in control. The conversation costs nothing.

I already have life insurance through work. Isn't that enough?

Usually not. Employer-provided group life insurance typically covers 1× to 2× your annual salary — far below the 10× to 20× most financial professionals recommend. It also disappears the moment you leave that job, and you may not qualify for new coverage later if your health has changed. A personal policy you own travels with you and is sized to actually protect your family.

What if I'm in poor health or have pre-existing conditions?

There are still options. Different carriers underwrite different conditions more favorably than others — diabetes, heart issues, mental health history, prior cancer, weight. Part of Johnny's job is knowing which carrier is friendliest to your specific situation. There are also guaranteed-issue and simplified-issue products that don't require medical exams. The only way to know what's possible is to have the conversation.

Where does Johnny work? Does he have to come to my house?

Johnny serves families nationwide via phone and video. Most of his clients prefer the convenience — meetings happen on your schedule from wherever you are. He's available evenings and weekends to fit around work and family. If you prefer an in-person meeting and you're local to Southern California, that can be arranged too.

What happens on the first call?

It's a conversation, not a sales pitch. Johnny asks about your household — your family, your goals, your concerns, what's already in place. He listens. If Big Win Agency is a good fit for your situation, he'll suggest a follow-up to build out a personalized snapshot. If it's not a good fit, he'll tell you on this call and point you toward the right resource.

How long does the whole process take?

From first call to having coverage in place is typically 2–4 weeks, depending on which carriers and products you select and whether medical exams are needed. The strategy conversation is one or two sessions. Applications take about 30 minutes. The underwriting process is the slowest part — but Johnny handles the paperwork and keeps you updated.

Is my information confidential?

Yes. Everything you share with Johnny during a consultation stays between you. Information is only shared with insurance carriers if and when you choose to submit an application, and even then only what's required for underwriting. Johnny doesn't sell, share, or distribute client information.

Ready to Start the Conversation?

The first call is free, lasts about 15 minutes, and you'll leave with a clearer picture of where your household stands — whether or not you ever work with Johnny.

  • No cost, no obligation, no high-pressure pitch
  • Confidential — your information stays between us
  • Available evenings and weekends to fit your schedule
  • Serving families nationwide via phone & video
Get In Touch

Three Ways to Connect

Call or Text
(937) 499-1212
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Johnny Closer
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