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2024

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Best Life Insurance Companies in Nashville, TN

Our Recommended Top 20

We did the research for you!

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

26434Reviewed

15868Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

204 S 11th St, Nashville, TN 37206

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Lockeland Insurance Advisors is a locally-owned insurance agency based in Nashville. Insurance advisors at this firm offer coverage options that are tailored to client needs. The agency provides coverage for general liability, automobiles, life and disability, renters, and homeowners. Insurance solutions also address builder's risk, real estate, commercial, and business needs. Lockeland Insurance Advisors works to achieve optimal coverage while maintaining annual reviews and monitoring policies. The firm partners with carriers such as AIG and Foremost Insurance Group.

130 Seaboard Ln Ste A5, Franklin, TN 37067

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Review Sources

Facebook
5.0 (13)

Why choose this provider?

Shellnut Insurance and Associates LLC is a boutique family-owned insurance agency serving Middle Tennessee. As an independent, it can access, evaluate, and compare the policies of many carriers, enabling its agents to tailor life insurance that covers each client's unique circumstances. Policies can cover an array of needs, from long and short-term care to making mortgage payments while the client is incapacitated and leaving a tax-free financial legacy for loved ones.

102 Front St, Franklin, TN 37064

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Review Sources

Facebook
4.8 (14)

Why choose this provider?

The Stewart Insurance Group is an independent agency near Nashville, serving the entire state since 2013. Its agents have in-depth knowledge of multiple types of personal and commercial insurance, including life insurance and Medicare supplement plans. They have access to the policies of dozens of carriers, enabling them to find those that suit their client's circumstances and budgets. The agents also talk clients through the terms and conditions of their policies to ensure they fully understand the level of coverage.

4004 Hillsboro Pike Ste. B 254, Nashville, TN 37215
WebsiteLicense: 2422988

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Review Sources

Google
4.7 (69)
Facebook
5.0 (9)

Why choose this provider?

Thetford Insurance Services, Inc. is a life insurance provider that serves clients in the Nashville metro. Offering comprehensive plans and solutions, the team can be tapped by individuals, families, and company owners needing auto, home, life, business, renters, and restaurant insurances. Established in 1992, the company promotes customized coverages to address its clients' different personal and business insurance needs. The recognized member of The Insurors of Tennessee also offers umbrella, multifamily, and Airbnb insurance plans.

  • Life Insurance
  • Health Insurance

625 Main St. Suite 105, Nashville, TN 37206
WebsiteLicense: 2427361

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Google
4.9 (38)
Facebook
5.0 (11)
Yelp
5.0 (4)

Why choose this provider?

S&S Insurance Agency is an independent insurance provider that serves individuals, families, and business owners from Nashville and the surrounding areas. It provides different types of life insurance plans, including term life, universal life, and whole life insurance. Its life insurance products aim to secure clients' financial futures by covering burial expenses, medical bills, mortgages, college tuition, and other outstanding debts. Other insurance plans that the company offers include homeowners, renters, auto, flood, and group health insurance.

  • Life Insurance
  • Health Insurance
  • Individual Plans

104 Woodmont Blvd., Suite 105, Nashville, TN 37205
WebsiteLicense: 2260721

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Review Sources

Google
4.9 (9)

Why choose this provider?

The Manning Agency, LLC, is an independent agency that has been helping clients in Nashville find protection policies since 1978. It guides customers in picking suitable life insurance products such as whole life, adjustable life, universal life, joint life, and survivorship. In addition, it also offers auto, home, and personal liability coverages. The insurance providers it represents are Travelers, Hagerty, Progressive, and Grange. James P. Manning, one of the firm's agents, served in the US Navy and worked as an underwriter for Safeco Insurance.

  • Life Insurance

4525 Harding Rd. Ste 106, Nashville, TN 37205
WebsiteLicense: 2101028

Expertise.com Rating

Why choose this provider?

Mills Insurance Agency has been serving individuals, families, and business owners from Nashville and the surrounding areas for more than 17 years. It provides two different types of life insurance: term life and whole life insurance policies. The company's life insurance can help in paying final expenses and federal death and estate taxes as well as creating an inheritance for heirs. Its other insurance plans include homeowners', auto, and umbrella insurance. Founder Chris Mills is a Certified Insurance Counselor and Chartered Property and Casualty Underwriter.

  • Life Insurance

6730 Charlotte Pike, Nashville, TN 37209

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Review Sources

Yelp
5.0 (22)
Facebook
5.0 (8)

Why choose this provider?

Martin & Zerfoss is a life insurance agency in Nashville with more than 40 years of history serving residents, families, and businesses throughout Tennessee. It's an independent agency that's formed strong links with more than 50 insurance carriers, including Berkshire Hathaway, AIG, and The Hartford. The agency's products include employee group insurance, which covers areas such as dental, vision, and long term care. It also arranges individual life insurance products, such as term life and universal life.

6201 Centennial Blvd, Nashville, TN 37209

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Review Sources

Google
3.7 (3)
Facebook
5.0 (3)

Why choose this provider?

Founded in 2007, Senior Market Advisors is a health insurance company in Nashville. It's different because it focuses on supporting insurance agents throughout the metro area, providing them with the skills they need to sell health insurance and other policies in today's fast-changing markets, as well as generating leads for them to pursue. The agency provides training on sales and marketing, building relationships with insurance carriers, and generating leads. It also offers online services, such as continuous training.

260 W Main St Ste 110C, Hendersonville, TN 37075

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Review Sources

Google
5.0 (28)
Facebook
5.0 (3)

Why choose this provider?

Chris Florek Insurance is an independent agency with access to more than 20 A-rated insurance carriers. It can find and compare a choice of policies, providing clients with the coverage they need within their budget. The agency serves individuals and businesses, specializing in arranging life and health insurance coverage. It can tailor policies to cover everything from dental treatment and major surgery to meeting the costs of the policyholder's funeral and paying off a mortgage.

1730 General George Patton Dr Ste 212, Brentwood, TN 37027

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Review Sources

Google
4.9 (77)
Facebook
5.0 (22)
Yelp
5.0 (3)

Why choose this provider?

The qualified agents at Montgomery & Associates Insurance & Financial Services help clients get customized insurance plans that meet their coverage requirements, with monthly premiums within their budget. The agents specialize in health, life, and disability insurance, using their connections with multiple carriers to assess and compare various policies for their clients. The agency's health plans cover an array of medical expenses, while it's life plans can be used to pay off mortgages and leave families financial legacies.

4015 Travis Drive Suite 104, Nashville, TN 37211
WebsiteLicense: 2047160

Expertise.com Rating

Review Sources

Google
4.2 (5)

Why choose this provider?

Al Bardayan Agency Inc. is an independently owned business serving individuals, families, and businesses in Nashville and nearby areas. It offers life insurance plans that provide financial security to beneficiaries by paying off debts, mortgages, and college tuition in the event of an unexpected death. It works with multiple insurance carriers that include MetLife, Progressive, and Auto-Owners Insurance, which allows it to offer plans based on clients' needs and budgets. Al Bardayan Agency has been in operation since 1973.

  • Life Insurance
  • Health Insurance

107 Point East Dr Ste A, Nashville, TN 37216

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Prince Insurance Agency Inc. is a small health insurance company in Nashville that serves individuals and businesses of all sizes. The agency specializes in selling health and life insurance, offering clients the expertise of agents who will find policies from multiple carriers, talk them through each policy, and arrange affordable monthly payments. They also advise over-65s and low-income beneficiaries on Medicare plans and monitor their client's policies to ensure they're still getting the best deal.

6213 Charlotte Pike, Nashville, TN 37209

Expertise.com Rating

Review Sources

Yelp
3.5 (150)
Facebook
4.9 (53)

Why choose this provider?

Zander Insurance is a health and life insurance agency in Nashville, serving the surrounding area's residents, families, and businesses. Its agents aim to simplify the process of choosing the right policy for their clients. They have access to the life and health policies of hundreds of insurance companies, ensuring they can always find a policy that suits every client's unique needs. The agency also offers policies that cover disability and long-term care.

2176 West Street, Nashville, TN 38138
WebsiteLicense: 11870848

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Shoemaker Financial is a financial planning firm with locations all across Tennessee that works with clients in the local area and surrounding communities, including Nashville. The business assists clients by providing financial advice regarding the client's long term goals, financial products such as insurance, and estate planning. In addition, its staff can help clients acquire term and permanent life insurance through its affiliated insurance agency called Shoemaker Insurance Solutions. Shoemaker Financial has been operating since 1978

  • Life Insurance

30 Burton Hills Blvd. Suite 300, Nashville, TN 37215
WebsiteLicense: 2506

Expertise.com Rating

Review Sources

Google
4.8 (66)
Facebook
4.9 (31)
Yelp
5.0 (4)

Why choose this provider?

Robins Insurance is an independently owned business that serves clients in Nashville. It offers term, whole life, and universal life insurance plans that provide financial security to beneficiaries in the event of an unexpected death. It also provides insurance products for homes, automobiles, condos, and businesses. Founder Bruce Robins has been guiding the transformation of the agency into one of the major agencies in Middle Tennessee for 40 years. Robins Insurance aims to protect livelihoods, fortify communities, and enhance businesses through its insurance policies.

  • Life Insurance

1315 Central Ct, Hermitage, TN 37076

Expertise.com Rating

Review Sources

Facebook
5.0 (17)

Why choose this provider?

Hargis Family Agency is an insurance broker near Nashville that has served clients locally and in the neighboring communities since 2017. Its English and Spanish-speaking team members have access to over 25 different insurance companies in order to find their clients the most competitive rates. It specializes in personal and commercial lines insurance, along with life, disability, long-term care, and annuity products. Policies are available in term life, whole life, and universal life formats.

139 Maple Row Blvd Ste 200, Hendersonville, TN 37075

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Yelp
5.0 (1)

Why choose this provider?

Hicks Watson Insurance Agency is an independent life insurance company partnered with dozens of leading carriers. Its agents can find the right policy for any client, regardless of their current circumstances or financial history. Its agents work closely with clients to determine their coverage needs and budget. They can assess and compare an array of life insurance policies, covering every need from mortgage repayments and funeral expenses to earning an income in retirement.

4094 Hillsboro Pike, Nashville, TN 37215
WebsiteLicense: 2433673

Expertise.com Rating

Review Sources

Google
5.0 (84)
Facebook
4.0 (5)
Yelp
5.0 (2)

Why choose this provider?

Grant Milling is an agent that has been providing life insurance solutions in Nashville since 2019. He helps every client manage the dangers of daily life by finding the coverage that best fits their protection requirements. He encourages annual reviews to determine if the customized package still meets each person's life or retirement goals. Insurance options for home, health, auto, property, and business are also available. Grant is an accounting graduate, and he started working at the finance department of State Farm in 2014.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

13085 Lebanon Rd, Mount Juliet, TN 37122

Expertise.com Rating

Review Sources

Google
4.9 (299)
Facebook
4.9 (50)

Why choose this provider?

Opened in 1992, Hutsenpiller Insurance is a family-owned independent agency that specializes in life, auto, home, and business insurance. It's a community-focused company staffed by qualified agents, two of which are recipients of Tennessee's Agent of the Year Award. The agents assess each client's coverage needs, search the policies of multiple carriers to find the ones that match, compare them, and present the best life insurance policies to the client, carefully explaining the terms and conditions of each.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Lockeland Insurance Advisors
204 S 11th St, Nashville, TN 37206
Shellnut Insurance And Associates
130 Seaboard Ln Ste A5, Franklin, TN 37067
Stewart Insurance Group
102 Front St, Franklin, TN 37064
Thetford Insurance Services, Inc.
4004 Hillsboro Pike Ste. B 254, Nashville, TN 37215
S&S Insurance Agency
625 Main St. Suite 105, Nashville, TN 37206
The Manning Agency, LLC
104 Woodmont Blvd., Suite 105, Nashville, TN 37205
Mills Insurance Agency
4525 Harding Rd. Ste 106, Nashville, TN 37205
Martin & Zerfoss
6730 Charlotte Pike, Nashville, TN 37209
Senior Market Advisors
6201 Centennial Blvd, Nashville, TN 37209
Chris Florek Insurance
260 W Main St Ste 110C, Hendersonville, TN 37075
Montgomery & Associates Insurance & Financial Services
1730 General George Patton Dr Ste 212, Brentwood, TN 37027
Al Bardayan Agency Inc.
4015 Travis Drive Suite 104, Nashville, TN 37211
Prince Insurance Agency, Inc.
107 Point East Dr Ste A, Nashville, TN 37216
Zander Insurance
6213 Charlotte Pike, Nashville, TN 37209
Shoemaker Financial
2176 West Street, Nashville, TN 38138
Robins Insurance
30 Burton Hills Blvd. Suite 300, Nashville, TN 37215
Hargis Family Agency
1315 Central Ct, Hermitage, TN 37076
Hicks Watson Insurance Agency
139 Maple Row Blvd Ste 200, Hendersonville, TN 37075
Grant Milling
4094 Hillsboro Pike, Nashville, TN 37215
Hutsenpiller Insurance
13085 Lebanon Rd, Mount Juliet, TN 37122

FAQs

  • How are life insurance premiums calculated in Nashville?

    Life insurance premiums in Nashville are calculated using a complex formula that takes into account the insured's age, general health status, local demographics, geographical location, and, in some cases, vehicle model. During the underwriting process, actuaries carefully evaluate this information to determine customized premium rates that match the person's risk profile and financial needs.

  • Can a life insurance company in Nashville deny benefits if the insured person dies by suicide?

    Yes, life insurance companies in Nashville may deny benefit payments if the policyholder commits suicide. Life insurance policies typically exclude coverage for suicide. However, specific terms and conditions can vary by policy and provider. It is essential to review your policy carefully and seek legal advice if you believe the denial is unjust.

  • What are the significant life events that might prompt a policy review in Nashville?

    Marriage, divorce, changes in health for you or your spouse, the birth of a child or grandchild, starting or expanding a business, and providing financial assistance or care to a parent are all significant life events that may necessitate a policy review in Nashville. Long-term care needs of a child or grandchild, concerns about retirement income, purchasing a new home, planning for education expenses, recent home mortgage refinancing, and receiving an inheritance can all be factors.

  • What should you do if your life insurance company in Nashville goes bankrupt?

    If your Nashville life insurance company goes bankrupt, you should contact the Tennessee Life and Health Insurance Guaranty Association for assistance and information on how your policy will be protected. The Tennessee Guaranty Association is a safety net organization established by state law to protect policyholders in the event of the insolvency of an insurance company.

  • How long does term life insurance coverage typically last in Nashville?

    Term life insurance in Nashville typically lasts for a set period of time, which can range from 5 to 30 years depending on the policy chosen. It is intended to provide temporary protection, making it an excellent choice for those with short-term needs, such as young families, or those who may want to convert to permanent coverage later.

  • 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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