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Best Life Insurance Companies in Clarksville, TN

Our Recommended Top 18

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Our goal is to connect people with the best local professionals. We scored Clarksville 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.

5320Reviewed

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18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

611 South Main Street, Springfield, TN 37172
WebsiteLicense: 5770

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Holman & Holman Agency, Inc. is an independent agency that handles the insurance needs of residents in Clarksville and the surrounding areas. Its insurance agents offer different life insurance products that protect families and businesses financially, such as the Select Choice Term Series, Burial Insurance, First Step, and Select Choice Juvenile Whole Life Insurance. In addition, they also have life insurance policies with retirement and disability benefits, including The Income Protector policy, Individual Retirement Accounts, and The Preferred Choice Annuity Series.

  • Life Insurance

204 Rivergate Parkway, Goodlettsville, TN 37072
WebsiteLicense: 6588

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Review Sources

Google
5.0 (18)

Why choose this provider?

Benefit Brokers, LLC, is an independent group insurance agency that offers life insurance coverage to clients in the Clarksville area. It has been in the insurance industry for over 25 years, focusing on providing personalized services to each client. The firm has access to more than 100 term insurance companies, including carriers that offer non-standard insurance policies. On top of life insurance coverage, Benefit Brokers also provides individual health insurance, Medicare supplements, and disability insurance.

  • Life Insurance
  • Health Insurance

305 North Drive, Hopkinsville, KY 42240

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Review Sources

Google
5.0 (4)

Why choose this provider?

Northtrust Insurance provides services to individuals and families in Clarksville and the surrounding communities. The insurance agency offers term life insurance and permanent life insurance options. It can be used to leave an estate, repay any debts incurred after death, or replace an income. Some of its other products available are individual health, dental, and vision insurance. Its team of local insurance agents helps its clients find a plan that suits their needs and budget.

  • Life Insurance
  • Health Insurance

7115 Wallace Road, Fairview, TN 37062
WebsiteLicense: 2365006

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Review Sources

Google
5.0 (4)
Facebook
5.0 (4)

Why choose this provider?

J.M. Hatcher Independent Insurance Broker has been serving clients in Clarksville and neighboring areas since 2017. It offers a complete line of products for personal and commercial insurance needs. These include life plans and insurance policies for homeowners, renters, vacation homes, and cars. The firm also provides insurance for managers and business owners. J.M. Hatcher Independent Insurance Broker works with a financial advisor, a real estate agent, and a home expert to aid in building their insurance policies. It has access to products from various carriers, including Hagerty, Transamerica, AIG, and Prudential.

  • Life Insurance
  • No Exam Policies
  • Whole Life Insurance

7185 Whites Creek Pike, Nashville, TN 37080
WebsiteLicense: 994234

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Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Anderson-Perry Insurance Agency is an insurance service provider based in Joelton. Also serving Clarksville and the counties of Davidson, Sumner, and Cheatham, the full-service agency offers an extensive range of personal and business insurance products. Its team offers permanent life insurance and term life insurance policies. Additionally, they customize insurance plans according to their client's needs. Jason Holzen, the company's owner, is also an insurance agent. Anderson-Perry Insurance Agency has been serving clients since 1975.

  • Life Insurance
  • Health Insurance

907 Rivergate Parkway, Goodlettsville, TN 37072
WebsiteLicense: 2464493

Why choose this provider?

Capitol Insurance is an independent insurance agency that provides a variety of risk management plans for clients in the Clarksville area. It offers customized life insurance solutions with options for term, whole, or universal plans. Other personal risk management plans include auto, watercraft, off-road vehicles, homes, condos, and rental properties. The company also provides coverage for high net worth, excess liability, identity theft, and valuable possessions. Commercial insurance plans cover BOP, liquor, and errors and omissions.

  • Life Insurance

1810 Madison Street, Clarksville, TN 37043
WebsiteLicense: 720212

Expertise.com Rating

Review Sources

Google
4.7 (68)

Why choose this provider?

Scott Bryant is an insurance agent at State Farm, serving individuals in the Clarksville area. He assists his clients throughout the process of finding the life insurance coverage that suits their situation and budget. He offers term life, whole life, and universal life insurance and also accommodates clients who want to make changes in their policies. For 30 years, he has been residing in the area and has been supporting its local sports leagues and educational activities.

  • Life Insurance

608 North Main Street, Goodlettsville, TN 37072
WebsiteLicense: 2403466

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Hometown Insurance Services, LLC is a Goodlettsville-based insurance company that serves clients throughout Clarksville and its surrounding communities. This independent agency offers a wide range of personal and business insurance plans, including term life insurance, whole life insurance, and universal life insurance policies. The team also assists clients in determining the level of coverage suited to their personal circumstances. Additionally, the team provides long-term disability and long-term care insurance plans as well as Medicare supplement insurance. Hometown Insurance Services has been serving clients since 1998.

  • Life Insurance
  • Health Insurance
  • Individual Plans

Kingbird Drive, Clarksville, TN 37040
WebsiteLicense: 2499015

Expertise.com Rating

Review Sources

Google
5.0 (23)

Why choose this provider?

American Solutions Group offers life insurance policies to clients in Clarksville. The company works with The Benefit Doctor, a group of independent insurance agents that aids small business owners in finding suitable health insurance for their employees. Its owner, Kyle Thoroughman, values his military experience, which he considers beneficial in identifying solutions for his customers. Thoroughman's clients praise his professionalism and extensive knowledge of employee benefits and various insurance options.

  • Life Insurance
  • Health Insurance

2859 Fort Campbell Boulevard, Clarksville, TN 37042

Expertise.com Rating

Review Sources

Google
4.6 (77)
Facebook
2.6 (5)
Yelp
5.0 (2)

Why choose this provider?

Clarksville Insurance Agency is a company offering life insurance policies to individuals and families in Clarksville and the surrounding areas. This insurance brokerage firm also specializes in automobile and homeowners' insurance. Other insurance options are commercial, motorcycle, RV, and boat insurance. The professionals at Clarksville Insurance Agency have been independent insurance agents for more than four decades. Some of the carriers it represents include Bristol West Insurance Group, Foremost Insurance Group, Dairyland, National General Insurance, MetLife, and Progressive.

  • Life Insurance

3379 Highway 41A South, Clarksville, TN 37043
WebsiteLicense: 2300323

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
4.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Steve Ray is a State Farm insurance agent who serves clients in Clarksville and its surrounding areas. He and his team are dedicated to helping clients recover and protect themselves from risks by providing whole, term, and universal life insurance plans. They also offer health, auto, homeowners', renters', and business insurance. Candace Thompson is the team's office manager, who also assists clients with State Farm products. Emily Lee is the team's receptionist who helps clients with billing.

  • Life Insurance
  • Health Insurance

924 Talon Hills Drive, Clarksville, TN 37040
WebsiteLicense: 2293364

Expertise.com Rating

Review Sources

Google
4.0 (6)

Why choose this provider?

SNP Insurance Group, Inc. is an independent insurance agency serving Clarksville and the surrounding areas. It offers a number of life insurance solutions, including term life, whole life, universal life, and variable universal life insurance policies. The company also provides long-term care (LTC), group life, final expense insurance, and annuities. Kishore Shah, the company's president, is a civil engineer, a law graduate, and an experienced insurance provider. His multidisciplinary background helps him address the needs of his clients.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

1997 Madison Street, Clarksville, TN 37043
WebsiteLicense: 2443

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (10)

Why choose this provider?

MSC Insurance is an independent and locally-owned insurance agency established in 1946. It caters to clients in the Clarksville area. It provides life insurance options such as term life insurance, whole life insurance, and universal life insurance. Home, auto, health, and retirement insurance are also available. The agency also provides insurance for business owners, commercial properties, and general liabilities as well as coverage for employee benefits. MSC Insurance is also a consultative insurance and risk management firm.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

6213 Charlotte Pike, Nashville, TN 37209
WebsiteLicense: 2002205

Expertise.com Rating

Review Sources

Google
3.9 (226)
Facebook
4.0 (173)
Yelp
4.0 (155)

Why choose this provider?

Zander Insurance is a life insurance company that serves clients in Clarksville and nearby communities. The company partners with different life insurance providers, such as Pacific Life, MetLife, CNA, Banner Life, and United Healthcare, to help clients with life insurance, ID theft, auto insurance, disability, and home insurance. The company also provides business insurance, covering surety bonds, employee benefits, and property and casualty. Zander Insurance has been nationally endorsed by radio program and podcast The Ramsey Show for more than 20 years.

  • Life Insurance
  • Health Insurance
  • Term Life Insurance

631 Old Hickory Boulevard, Nashville, TN 37209
WebsiteLicense: 695382

Expertise.com Rating

Review Sources

Google
4.7 (22)
Yelp
5.0 (1)

Why choose this provider?

Bethany Harbin is a State Farm insurance agent who provides life coverage options for clients in Clarksville. Apart from offering term, whole, and universal life policies, she assists in changes in beneficiaries and plans. She also provides other personal lines of insurance such as health, home, property, and pet coverage, as well as business insurance. Harbin has been a second generation State Farm agent for 27 years. Her team has over seven decades of combined experience and is a sponsor of the Bellevue YMCA.

  • Life Insurance
  • Health Insurance

116 Verisa Drive, Clarksville, TN 37043
WebsiteLicense: 2427071

Expertise.com Rating

Review Sources

Google
5.0 (40)

Why choose this provider?

RMB Financial, PLLC, is an insurance and financial services firm operating in Clarksville. It offers life insurance plans to help individuals secure the futures of their families. Its website contains a variety of information that helps educate clients about the policies, such as videos and presentations. The agency also provides a wide range of financial solutions including estate planning, wealth management, and estate planning. Its owner, William J. Pittman, is a military veteran who has been working in the financial services industry for over 14 years.

  • Life Insurance
  • Health Insurance

1835 Memorial Drive, Clarksville, TN 37043
WebsiteLicense: 2416897

Expertise.com Rating

Review Sources

Google
4.0 (13)

Why choose this provider?

Encompass Financial Services, Inc., comprises a team of financial professionals supporting the insurance and financial services needs of individuals and businesses in Clarksville and the surrounding areas. They offer a complete range of services in the areas of tax, accounting, retirement strategies, and insurance for personal and commercial needs. Covered in the insurance product offerings are home, auto, Medicare, and life insurance for individuals. Meanwhile, key personnel insurance, general liability insurance, and business owner's policy insurance are available for businesses.

  • Life Insurance

1800 Business Park Drive, Clarksville, TN 37040
WebsiteLicense: 805376

Expertise.com Rating

Why choose this provider?

NCM Financial Services is an independent insurance agency that provides insurance services to residents and businesses of Clarksville and the surrounding communities. It represents multiple carriers that offer a variety of insurance and financial plans. Its list of services includes life insurance plans, disability income insurance, group health, and mortgage qualification. Additionally, it offers other services like disability income products, financial needs analysis, income replacement, mutual funds, and Roth and traditional IRAs. NCM Financial Services is owned and run by Norris C. Ming.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Holman & Holman Agency, Inc.
611 South Main Street, Springfield, TN 37172
Benefit Brokers, LLC
204 Rivergate Parkway, Goodlettsville, TN 37072
Northtrust Insurance
305 North Drive, Hopkinsville, KY 42240
J.M. Hatcher Independent Insurance Broker
7115 Wallace Road, Fairview, TN 37062
Anderson - Perry Insurance Agency
7185 Whites Creek Pike, Nashville, TN 37080
Capitol Insurance
907 Rivergate Parkway, Goodlettsville, TN 37072
Scott Bryant
1810 Madison Street, Clarksville, TN 37043
Hometown Insurance Services, LLC
608 North Main Street, Goodlettsville, TN 37072
American Solutions Group
Kingbird Drive, Clarksville, TN 37040
Clarksville Insurance Agency
2859 Fort Campbell Boulevard, Clarksville, TN 37042
Steve Ray
3379 Highway 41A South, Clarksville, TN 37043
SNP Insurance Group, Inc.
924 Talon Hills Drive, Clarksville, TN 37040
MSC Insurance
1997 Madison Street, Clarksville, TN 37043
Zander Insurance
6213 Charlotte Pike, Nashville, TN 37209
Bethany Harbin
631 Old Hickory Boulevard, Nashville, TN 37209
RMB Financial, PLLC
116 Verisa Drive, Clarksville, TN 37043
Encompass Financial Services, Inc.
1835 Memorial Drive, Clarksville, TN 37043
NCM Financial Services
1800 Business Park Drive, Clarksville, TN 37040

FAQs

  • Is it better to have term life insurance than whole life insurance in Clarksville?

    It depends on the Clarksville individual's needs. Term life insurance is best suited to individuals who would want financial protection for their younger children compared to those older and who have working spouses. Whole life insurance is more appropriate for individuals with enough income because it is costlier initially. It can also be more of a help for financial needs such as long-term health costs, debt payments, and college education savings.

  • Are there ways to save money when buying a life insurance policy in Clarksville?

    Yes. Buying life insurance when still young can save you more money. Choosing a term life insurance or its combination with permanent life insurance is less costly than just buying permanent life insurance. For policies that require regular medical exams, staying healthy through exercise, not smoking, and limiting alcohol consumption can help keep premiums lower. Other ways to save on premiums in Clarksville include getting only the coverage you need, shopping for discounts, and paying your premiums annually or upfront rather than monthly.

  • What is the period of contestability in life insurance in Clarksville?

    In Clarksville and throughout the state, the contestable period in in life insurance is two years since the policy is signed and becomes effective. If a claim is filed during this period, the policyholder will be investigated for reasons such as fraud and misrepresentation. When there are sufficient reasons, the insurance company may deny payment of benefits or reduce the amount. If no adverse findings are found, the beneficiaries may receive the payout amount agreed upon.

  • Does the Tennessee Department of Commerce and Insurance provide services for lost policies in Clarksville?

    Yes, persons in Clarksville can seek help from the Tennessee Department of Commerce and Insurance to locate lost individual or group life insurance policy. Those legally allowed to file a request are possible beneficiaries such as the deceased's surviving family members, legal representative, and executor. For more information on this service, contact the main line of the Consumer Insurance Services at (615) 741-2218 or its toll-free number at (800) 342-4029. Its mailing address is: TN Department of Commerce and Insurance Insurance Division 500 James Robertson Parkway Nashville, TN 37243

  • How can you spot good value in a life insurance quote in Clarksville?

    Check if the benefits from the life insurance in Clarksville vary each year. Comparing each quote's cost of premiums is not enough to determine the value of the coverage. Consider how the benefits in each policy build up and if there are any portions of the premium that are not guaranteed. Additionally, consider what will be the effect on the interest if the premiums will be paid at different periods in the policy.

  • 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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