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Best Life Insurance Companies in Clarksville

2024

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Providers

Last updated:

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

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.

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)
Google
5.0 / 5 (1)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

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.

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
Google
4.7 / 5 (22)
Yelp
5.0 / 5 (1)

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

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

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.

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
Google
3.9 / 5 (226)
Facebook
4.0 / 5 (173)
Yelp
4.0 / 5 (155)

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

Website
2859 Fort Campbell Boulevard, Clarksville, TN 37042
  • Life Insurance

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.

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.
4.5
Google
4.6 / 5 (77)
Facebook
2.6 / 5 (5)
Yelp
5.0 / 5 (2)

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

Website
1810 Madison Street, Clarksville, TN 37043
  • Life Insurance

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.

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

Website
305 North Drive, Hopkinsville, KY 42240
  • Life Insurance
  • Health Insurance

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.

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

Website
907 Rivergate Parkway, Goodlettsville, TN 37072
  • Life Insurance

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.

License Verified:

License: 2464493

Tennessee Department of Commerce & Insurance

Website
204 Rivergate Parkway, Goodlettsville, TN 37072
  • Life Insurance
  • Health Insurance

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.

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
Google
5.0 / 5 (18)

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

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

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.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
611 South Main Street, Springfield, TN 37172
  • Life Insurance

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.

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)

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

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.

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
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (4)

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

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.

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.
4.0
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

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.

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Kingbird Drive, Clarksville, TN 37040
  • Life Insurance
  • Health Insurance

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.

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

Website
116 Verisa Drive, Clarksville, TN 37043
  • Life Insurance
  • Health Insurance

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.

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)

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

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.

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)
Yelp
5.0 / 5 (1)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1835 Memorial Drive, Clarksville, TN 37043
  • Life Insurance

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.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1800 Business Park Drive, Clarksville, TN 37040
  • Life Insurance

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.

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

Frequently Asked Questions

  • 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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