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2024

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Best Life Insurance Companies in Chattanooga, TN

Our Recommended Top 15

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Chattanooga Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7239 East Brainerd Road, Chattanooga, TN 37421
WebsiteLicense: 2305705

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (9)

Why choose this provider?

Options Insurance is an insurance company that serves clients in and around Chattanooga. The firm offers a range of personal and commercial insurance products, including a life insurance policy that protects the beneficiaries of the policyholders in case of unfortunate events. It writes policies for homeowners, automobiles, and businesses. The agents also help with umbrella insurance, flood insurance, and bonds. Options Insurance partners with various carriers to bring broader options to its clients.

  • Life Insurance

5506 Miller Drive, Chattanooga, TN 37411
WebsiteLicense: 6007

Expertise.com Rating

Review Sources

Google
4.0 (26)
Facebook
5.0 (4)

Why choose this provider?

Greater Chattanooga Insurance is an independent agency that offers various custom insurance packages for individuals and families in the local area. Its agents have over 50 years of experience specializing in life insurance. They provide term life insurance that is designed to give protection for a set amount of time. The plan can meet the temporary needs of clients, such as mortgage fees, funeral costs, or tuition fees. Additionally, Greater Chattanooga Insurance also provides auto, home, and commercial insurance policies.

  • Life Insurance

1 Fountain Square, Chattanooga, TN 37402
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Google
4.0 (127)
Facebook
5.0 (3)

Why choose this provider?

Unum helps employees in Chattanooga and the surrounding metro get access to life, disability, critical illness, accident, dental, and vision benefits. Its life insurance covers funeral costs and the bereaved family's daily expenses and bills. The company also aids businesses in determining the right benefit solutions for their employees, such as absence management and vocational rehabilitation services. Dedicated to protect the workforce and help families during tough times, Unum has insured 39 million people worldwide and has partnered with 182,000 businesses in the U.S. and U.K.

  • Life Insurance
  • Health Insurance

201 Washington Street, Chattanooga, TN 35801
WebsiteLicense: 2293237

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Fountain Parker Harbarger & Associates, LLC, is an independent insurance agency that has been helping clients with its family security plans for almost a decade. It offers a wide range of personal insurance policies, such as life, home and renters, watercraft, auto, and flood insurance. Furthermore, it also specializes in risk management. This firm has been recognized as Best Practices Agency for the last 8 years. It gives back to the community through supporting school programs and churches.

  • Life Insurance

104 RBC Drive, Ringgold, GA 30736
WebsiteLicense: 17836994

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Covenant Insurance is an independent insurance agency that provides insurance services to residents and businesses in Chattanooga and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like whole life insurance, term life insurance, final expense insurance, guaranteed issue life insurance, guaranteed universal life insurance, and return of premium term life insurance. Additionally, it provides coverage from natural calamities and alternative costs of accommodation. It was founded in 2014.

  • Life Insurance
  • Health Insurance

7000 Old Lee Highway, Chattanooga, TN 37421
WebsiteLicense: 2002744

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.0 (8)

Why choose this provider?

Stevens Insurance Associates is an insurance agency that caters to individuals in the Chattanooga area. The family-owned company helps people protect their families and secure their future through life insurance policies. It also allows clients to choose among a variety of products to keep their vehicles, businesses, and farms secured. Founded by Tom Stevens, Stevens Insurance Associates has been in the industry since 2011. Stevens had had 47 years of experience before establishing the firm.

  • Life Insurance
  • Health Insurance

4706 Hixson Pike, Chattanooga, TN 37343
WebsiteLicense: 3155

Expertise.com Rating

Review Sources

Google
4.0 (75)
Facebook
5.0 (16)

Why choose this provider?

Goss Insurance Agency, Inc., is an independent company that caters to individuals and group-based clients in Chattanooga. It offers life insurance policies from both national and regional carriers, such as Berkshire Hathaway, Nationwide, and Zurich Insurance. Its agents also customize plans to fit each client's concerns, from building inheritance to paying off funeral expenses. The company was established in 1985 and has served over 10,000 customers in both Tennessee and Georgia. It also provides auto insurance for both regular and recreational vehicles.

  • Life Insurance

5864 Highway 153, Hixson, TN 37343
WebsiteLicense: 1022745

Expertise.com Rating

Review Sources

Google
4.0 (48)
Facebook
5.0 (28)
Yelp
5.0 (1)

Why choose this provider?

Brett Smalley is a State Farm insurance agent servicing the Chattanooga community. He has been providing term, whole, and universal life insurance coverage options to individuals who want to secure their future. The policies are also available for small businesses for different purposes such as business continuation, key employees, employee benefits, and key employee incentives. Smalley and his team also offer auto, health, and pet insurance. Aside from doing business, they are also active in the community.

  • Life Insurance

2382 Battlefield Parkway, Fort Oglethorpe, GA 30742
WebsiteLicense: 708020

Expertise.com Rating

Review Sources

Google
5.0 (100)
Facebook
5.0 (3)

Why choose this provider?

Gary Thacker Insurance provides life insurance policies to residents of Chattanooga and the surrounding communities. The family-owned company offers term, whole, and universal life insurance plans. Additionally, the company offers home and auto insurance which can be bundled together as well. Clients looking to get additional coverage beyond the traditional insurance coverage limits can take advantage of its umbrella insurance policies. Gary Thacker Insurance can also provide business owners with policies like commercial property and general liability insurance.

  • Life Insurance

1599 Battlefield Parkway, Fort Oglethorpe, GA 30742
WebsiteLicense: 3001335461

Expertise.com Rating

Review Sources

Facebook
5.0 (43)
Google
4.0 (24)

Why choose this provider?

Alex Tortoso Agency is an independent insurance agency that provides insurance services to residents and businesses of Chattanooga and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like variable life insurance, whole life insurance, universal life insurance, term life insurance, and final expense insurance. Additionally, it provides business insurance packages like general liability insurance, commercial property insurance, professional liability insurance, and workers’ compensation. Alex Tortoso established the agency in 2015.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

3990 North Ocoee Street, Cleveland, TN 37312
WebsiteLicense: 2437648

Expertise.com Rating

Review Sources

Facebook
5.0 (15)

Why choose this provider?

Ocoee Insurance Services is a family-owned and family-operated insurance agency based in Cleveland. Serving clients throughout Chattanooga, it offers insurance policies for individuals and groups. Its individual insurance policies include life insurance, health insurance, liability insurance, and vision insurance. It also offers long-term and short-term care insurance and umbrella insurance coverage. Ocoee Insurance Services has been serving clients since opening its doors in 1993. This company is comprised of a team of independent agents and is a partner of multiple insurance providers.

  • Life Insurance
  • Health Insurance

6236 Airpark Drive, Chattanooga, TN 37421

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (7)

Why choose this provider?

RSS Insurance is an agency operating in Chattanooga. It offers term and universal life insurance policies to help individuals protect their families. Life and accidental death and dismemberment insurance policies are also available along with a variety of workforce solutions for employees. The agency also specializes in health, special event, and snowmobile insurance. One of its client executives, Todd Baker, spent more than 12 years in the commercial banking industry which gave him extensive experience in portfolio management and operations, customer service, credit analysis, and sales.

  • Life Insurance
  • Individual Plans

1200 Mountain Creek Road, Chattanooga, TN 37405

Expertise.com Rating

Review Sources

Google
5.0 (150)
Facebook
5.0 (6)

Why choose this provider?

Rock Creek Insurance is an independent insurance agency that caters to clients in the Chattanooga area. The company works with a wide range of national and regional insurance providers and guides clients to find policies that fulfill their needs. Its life insurance products include final expense insurance, fixed annuities, individual life insurance, and mortgage protection insurance. Additionally, the firm's agents assist with auto insurance and homeowners insurance policies. Commercial and business insurance products are also available.

  • Life Insurance
  • Individual Plans

4610 Hixson Pike, Hixson, TN 37343

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (3)

Why choose this provider?

Steil Insurance is an independent insurance agency founded by Frank Steil and has worked with clients in Chattanooga, Hixson, and surrounding areas. It represents and works with a number of carriers, including Foremost, United, Grange Mutual Casualty Co., Liberty Insurance Corp., and Safeco Insurance. Steil Insurance provides life insurance policies in term life, whole life, and universal life types. Its vehicle insurance has coverage for motorcycles, classic cars, boats, ATVs, and motorhomes. Businesses can also benefit from the company's coverage on properties, liabilities, vehicles, workers' compensation, and surety bonds.

  • Life Insurance
  • Health Insurance

3206 Dayton Boulevard, Chattanooga, TN 37415
WebsiteLicense: 821968

Expertise.com Rating

Review Sources

Google
4.0 (35)
Facebook
4.7 (6)
Yelp
5.0 (1)

Why choose this provider?

Fields Insurance is an insurance agency serving the Chattanooga metro and neighboring communities such as West Tennessee, Savannah, and Memphis. The agency offers a variety of life insurance policy options such as term-life and whole-life insurance. Additionally, it offers home insurance, auto insurance, renters insurance, commercial insurance, and farm or ranch insurance policy. It is a BBB accredited business and has affiliations with carriers such as Liberty Mutual Insurance, National General Accident and Health, and Southern Trust.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Options Insurance
7239 East Brainerd Road, Chattanooga, TN 37421
Greater Chattanooga Insurance
5506 Miller Drive, Chattanooga, TN 37411
Unum
1 Fountain Square, Chattanooga, TN 37402
Fountain Parker Harbarger & Associates, LLC
201 Washington Street, Chattanooga, TN 35801
Covenant Insurance
104 RBC Drive, Ringgold, GA 30736
Stevens Insurance Associates
7000 Old Lee Highway, Chattanooga, TN 37421
Goss Insurance Agency
4706 Hixson Pike, Chattanooga, TN 37343
Brett Smalley
5864 Highway 153, Hixson, TN 37343
Gary Thacker Insurance
2382 Battlefield Parkway, Fort Oglethorpe, GA 30742
Alex Tortoso Agency
1599 Battlefield Parkway, Fort Oglethorpe, GA 30742
Ocoee Insurance Services
3990 North Ocoee Street, Cleveland, TN 37312
RSS Insurance
6236 Airpark Drive, Chattanooga, TN 37421
Rock Creek Insurance
1200 Mountain Creek Road, Chattanooga, TN 37405
Steil Insurance
4610 Hixson Pike, Hixson, TN 37343
Fields Insurance
3206 Dayton Boulevard, Chattanooga, TN 37415

FAQs

  • Will a Chattanooga life insurance provider pay the death benefit if the policyholder commits suicide?

    It varies. The suicide clause specifies that if the owner of a life insurance plan in Chattanooga committed suicide within two years of acquiring their coverage, the insurer will return the cost of the policy but will refrain from paying out the death benefit. In the same vein, the insurance provider will refrain from paying out the death benefit but will reimburse the amount paid for the policy if the applicant lied about their lifestyle or health condition.

  • Can you still purchase life insurance in Chattanooga if your hobby is dangerous?

    In Chattanooga, you may still purchase life insurance despite engaging in risky hobbies, but you might have to pay a little bit more to cover the added risk. You need to complete a written questionnaire first so that they can learn more about your activity. The questionnaire will ask you things like how long you've been involved in this hobby, whether you are paid or employed for it, and whether you've taken any special training for it.

  • Do Chattanooga life insurance companies run criminal background checks?

    Yes, because when you apply for life insurance in Chattanooga, the insurer will inquire about your criminal past, driving record, lifestyle, line of work, health, finances, and pastimes in order to assess your potential risk. The insurance company will then compare the data you supply to public records. Your ability to get life insurance, as well as the amount of the death benefit and the rate you are eligible for, may be impacted by a criminal record.

  • Should you submit several life insurance applications to different companies in Chattanooga?

    It is not a good idea to submit applications to various Chattanooga life insurance companies. It is crucial to remember that almost all insurance firms use the same database to keep track of applications and records. Applying to several insurers at once could give the impression that you're attempting to over-insure yourself, which could lead to the denial of some or all of your applications.

  • What are the possible payout options for a life insurance beneficiary in Chattanooga?

    The following are the Chattanooga life insurance beneficiary's payout choices:

    • A lump sum, via check or bank transfer.
    • Installments in batches over a certain time period.
    • Annuity, through a yearly percentage of the death benefit with interest.
    • Retained asset account, to access their money all at once and earn interest.
  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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