Expertise.com

Best Life Insurance Companies in Clarksville

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Life Insurance Companies FAQs

Learn more
American Solutions Group logo
Visit WebsiteWebsite

License Verified:

License: 2499015

Tennessee Department of Commerce & Insurance

American Solutions Group

Kingbird Drive, Clarksville, TN 37040
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 2499015

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Anderson - Perry Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 994234

Tennessee Department of Commerce & Insurance

Anderson - Perry Insurance Agency

7185 Whites Creek Pike, Nashville, TN 37080
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 994234

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Augustine Insurance logo
Visit WebsiteWebsite

License Verified:

License: 2247863

Tennessee Department of Commerce & Insurance

Augustine Insurance

2857 Fort Campbell Boulevard, Clarksville, TN 37042
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

Augustine Insurance has been providing life insurance services to Clarksville since 1972. These include term life insurance covering a specific point in time, such as until the client paid off their mortgage or debts. The company also offers whole or permanent life insurance designed for lifelong protection to the client's loved ones and assets. Additionally, it caters to clients needing other insurance services, such as motorcycles, boats, auto, renters, and homeowners. The carriers of Augustine Insurance include Hallmark, National General, and Still Water.

License Verified:

License: 2247863

Tennessee Department of Commerce & Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Benefit Brokers, LLC logo
Visit WebsiteWebsite

License Verified:

License: 6588

Tennessee Department of Commerce & Insurance

Benefit Brokers, LLC

204 Rivergate Parkway, Goodlettsville, TN 37072
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 6588

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bethany Harbin logo
Visit WebsiteWebsite

License Verified:

License: 695382

Tennessee Department of Commerce & Insurance

Bethany Harbin

631 Old Hickory Boulevard, Nashville, TN 37209
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 695382

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Capitol Insurance logo
Visit WebsiteWebsite

License Verified:

License: 2464493

Tennessee Department of Commerce & Insurance

Capitol Insurance

907 Rivergate Parkway, Goodlettsville, TN 37072
Visit WebsiteWebsite
  • Life Insurance

Business Description

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.

License Verified:

License: 2464493

Tennessee Department of Commerce & Insurance

Clarksville Insurance Agency logo
Visit WebsiteWebsite

Clarksville Insurance Agency

2859 Fort Campbell Boulevard, Clarksville, TN 37042
Visit WebsiteWebsite
  • Life Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (76)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Encompass Financial Services, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 2416897

Tennessee Department of Commerce & Insurance

Encompass Financial Services, Inc.

1835 Memorial Drive, Clarksville, TN 37043
Visit WebsiteWebsite
  • Life Insurance

Business Description

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.

License Verified:

License: 2416897

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Holman & Holman Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 5770

Tennessee Department of Commerce & Insurance

Holman & Holman Agency, Inc.

611 South Main Street, Springfield, TN 37172
Visit WebsiteWebsite
  • Life Insurance

Business Description

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.

License Verified:

License: 5770

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Hometown Insurance Services, LLC logo
Visit WebsiteWebsite

License Verified:

License: 2403466

Tennessee Department of Commerce & Insurance

Hometown Insurance Services, LLC

608 North Main Street, Goodlettsville, TN 37072
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Long Term Care
  • Permanent Life Insurance Policy

Business Description

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.

License Verified:

License: 2403466

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
J.M. Hatcher Independent Insurance Broker logo
Visit WebsiteWebsite

License Verified:

License: 2365006

Tennessee Department of Commerce & Insurance

J.M. Hatcher Independent Insurance Broker

7115 Wallace Road, Fairview, TN 37062
Visit WebsiteWebsite
  • Life Insurance
  • No Exam Policies
  • Whole Life Insurance
  • Long Term Care

Business Description

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.

License Verified:

License: 2365006

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
MSC Insurance logo
Visit WebsiteWebsite

License Verified:

License: 2443

Tennessee Department of Commerce & Insurance

MSC Insurance

1997 Madison Street, Clarksville, TN 37043
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

Business Description

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.

License Verified:

License: 2443

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
NCM Financial Services logo
Visit WebsiteWebsite

License Verified:

License: 805376

NCM Financial Services

1800 Business Park Drive, Clarksville, TN 37040
Visit WebsiteWebsite
  • Life Insurance

Business Description

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.

License Verified:

License: 805376

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Northtrust Insurance logo
Visit WebsiteWebsite

Northtrust Insurance

305 North Drive, Hopkinsville, KY 42240
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
RMB Financial, PLLC logo
Visit WebsiteWebsite

License Verified:

License: 2427071

Tennessee Department of Commerce & Insurance

RMB Financial, PLLC

116 Verisa Drive, Clarksville, TN 37043
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 2427071

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)
Scott Bryant logo
Visit WebsiteWebsite

License Verified:

License: 720212

Tennessee Department of Commerce & Insurance

Scott Bryant

1810 Madison Street, Clarksville, TN 37043
Visit WebsiteWebsite
  • Life Insurance

Business Description

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.

License Verified:

License: 720212

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (68)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
SNP Insurance Group, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 2293364

Tennessee Department of Commerce & Insurance

SNP Insurance Group, Inc.

924 Talon Hills Drive, Clarksville, TN 37040
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

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.

License Verified:

License: 2293364

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Steve Ray logo
Visit WebsiteWebsite

License Verified:

License: 2300323

Tennessee Department of Commerce & Insurance

Steve Ray

3379 Highway 41A South, Clarksville, TN 37043
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 2300323

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (24)
Facebook
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Zander Insurance logo
Visit WebsiteWebsite

License Verified:

License: 2002205

Tennessee Department of Commerce & Insurance

Zander Insurance

6213 Charlotte Pike, Nashville, TN 37209
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Business Description

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.

License Verified:

License: 2002205

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (173)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Read all FAQs