Sumner County Man Gets 10 Years for Insurance Fraud, Targeting Elderly Client

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Photo: Sumner County Sheriff\'s Office

On July 10, 2025, Criminal Court Judge Dee David Gay sentenced Johnny Ray Jackson, age 55, to ten (10) years at 45%, with 365 days to be served day-for-day in the Sumner County Jail, followed by nine (9) years supervision under Community Corrections, for impersonating a licensed professional.

Jackson was charged with two counts of Impersonating a Licensed Professional, stemming from an investigation conducted by special agents of the Tennessee Bureau of Investigation (TBI).

The investigation revealed that Jackson had continued to engage in the unlawful sale of insurance in Sumner County, despite having his insurance license revoked by the Tennessee Department of Commerce and Insurance on October 26, 1999. His license was revoked for altering policy dates, misappropriating premium payments, and failing to properly reimburse clients.

Evidence presented at sentencing demonstrated that Jackson had fraudulently transferred an elderly client’s annuity funds without the client’s knowledge or consent, resulting in substantial financial penalties to the client and yielding Jackson a commission exceeding $3,000.

During sentencing, Assistant District Attorneys Thomas Dean and Christopher Boiano argued that Jackson’s longstanding pattern of fraudulent behavior and disregard for regulatory compliance justified a custodial sentence. The prosecution emphasized the need for incarceration to reflect the seriousness of the offense, to protect the public, and to deter others from similar conduct. The State further noted that less restrictive alternatives had previously been unsuccessful in rehabilitating Jackson.

Judge Gay agreed with the State, noting that Jackson posed a continuing risk to the community. Jackson’s request to self-report at a later date was denied, and he was immediately remanded into custody.

The District Attorney General’s Office extends its appreciation to TBI Assistant Special Agent in Charge Jim Scarbro for his diligence, dedication, and professionalism in investigating this case and for his testimony throughout the case. Furthermore, we would like to thank Rebecca Horne, an investigator with the Tennessee Department of Commerce and Insurance, for her testimony detailing Jackson’s history of professional misconduct.

Under Tennessee law, impersonating a licensed professional is a felony. The District Attorney’s Office remains committed to protecting Tennessee residents—especially the elderly—from financial exploitation, and will continue to pursue incarceration for those who violate public trust and target vulnerable individuals.

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