The life insurance sector in Tennessee plays a crucial role in providing financial security and peace of mind to individuals and families. With a mix of both private and corporate entities, this industry excels in offering various policies such as term life, whole life, and universal life insurance. The focus is not just on basic coverage but also on tailored solutions to meet different customer needs. As consumer awareness regarding life insurance increases and the market adapts to demographic trends, companies are also exploring innovative strategies to enhance customer engagement and service efficiency.


This list features a variety of Tennessee-based life insurance companies, ranging from established agencies like Farm Bureau Insurance to newcomers such as Landmark Insurance. Companies vary in size, with some employing thousands while others operate with smaller teams. Founded as early as 1914, the firms showcase expertise in life, auto, and business insurance. Additionally, many agents are deeply embedded in their communities, creating strong support networks for customers during policy management and claims.


Continue reading to discover top life insurance companies in Tennessee.


Top 24 Life Insurance Companies in Tennessee


1. Farm Bureau Insurance of Tennessee

  • Website: fbitn.com
  • Ownership type: Private
  • Headquarters: Columbia, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1948
  • Headcount: 1001-5000
  • LinkedIn: farm-bureau-insurance-of-tennessee

Farm Bureau Insurance of Tennessee, founded in 1948, is a private insurance company based in Columbia, Tennessee. With a workforce of over 1,100 employees, the company specializes in a range of insurance products, including auto, home, life, and business insurance. It serves individuals and families across Tennessee, providing essential financial protection against various risks. The company is particularly noted for its life insurance offerings, being the top writer of individual life insurance in the state. This focus on life insurance is complemented by a robust network of more than 500 local agents, who facilitate claims and policy management, ensuring that customers receive personalized service. Farm Bureau Insurance of Tennessee is committed to safeguarding what matters most to its clients, reflecting its dedication to the community it serves.


2. Direct Auto Insurance

  • Website: directauto.com
  • Ownership type: Corporate
  • Headquarters: Nashville, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Latest funding: $165.0M, June 2016
  • Founded year: 1991
  • Headcount: 5001-10000
  • LinkedIn: direct-auto

Direct Auto Insurance, founded in 1991 and headquartered in Nashville, Tennessee, is an insurance provider that specializes in a variety of insurance products, including auto, motorcycle, and term life insurance. The company aims to deliver affordable coverage options, particularly targeting consumers with varying driving histories. With a workforce of approximately 5,000 to 10,000 employees, Direct Auto operates through 519 locations across the United States, ensuring accessibility for its customers. Their term life insurance offerings are designed to provide financial support in the event of a policyholder's death, covering expenses such as medical bills and funeral costs. The company has received significant funding, amounting to $165 million in June 2016, which underscores its growth and operational capabilities in the insurance market.


3. Zander Insurance

  • Website: zanderinsurance.com
  • Ownership type: Private
  • Headquarters: Nashville, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1925
  • Headcount: 51-200
  • LinkedIn: zander-insurance

Zander Insurance, based in Nashville, Tennessee, is a private insurance agency that has been operational since 1925. With a workforce of approximately 180 employees, the company specializes in a range of insurance products, including life, auto, home, and identity theft protection. Zander Insurance serves both individual consumers and businesses, providing essential coverage to mitigate financial risks. The agency distinguishes itself by shopping hundreds of top insurance companies to find the best rates and options for its clients. This client-centric approach is complemented by a commitment to transparency and customer satisfaction, ensuring that clients understand their policies before making a purchase. Zander Insurance's focus on life insurance, particularly term life policies, aligns with the financial philosophies promoted by Dave Ramsey, further enhancing its appeal to a specific demographic seeking reliable and affordable life insurance solutions.


4. Tigrett & Pennington Insurance

  • Website: tpins.com
  • Ownership type: Family Owned
  • Headquarters: Brentwood, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1933
  • Headcount: 11-50
  • LinkedIn: tpinsurance

Tigrett & Pennington Insurance is a family-owned insurance agency based in Brentwood, Tennessee, with a history dating back to 1933. The company offers a variety of insurance products, including life insurance, auto insurance, homeowners insurance, and business commercial insurance. With multiple locations across Tennessee and Kentucky, they serve both individual clients and businesses, helping them manage financial risks through comprehensive coverage. The agency prides itself on personalized service, emphasizing community values and a commitment to treating clients like family. Their life insurance offerings include term and permanent policies, catering to different financial needs and goals. This focus on life insurance, alongside their extensive experience, makes them a relevant entity in the insurance industry.


5. TIS Insurance Services, Inc .

  • Website: tisins.com
  • Ownership type: Private
  • Headquarters: Knoxville, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1945
  • Headcount: 51-200
  • LinkedIn: tis-insurance-services-inc-

TIS Insurance Services, Inc., based in Knoxville, Tennessee, has been a player in the insurance industry since its founding in 1945. With a workforce of approximately 132 employees, the company operates as an independent insurance agency. TIS provides a broad spectrum of insurance products, including personal lines such as auto, home, health, and notably, life insurance. They cater to both individual consumers and businesses, focusing on risk management and asset protection through tailored insurance solutions. Their extensive experience of over 75 years in the industry allows them to leverage strong relationships with various insurance carriers, enabling them to offer competitive proposals and quality service to their clients. TIS emphasizes a client-centric approach, promising to prioritize the needs of their clients in all dealings. They also provide support services like claims advocacy and loss prevention, enhancing their value proposition in the insurance market.


6. Cumberland Insurance Agency


Cumberland Insurance Agency, established in 1996 and located in Cookeville, Tennessee, operates as a private insurance agency with a dedicated team of 16 employees. The agency specializes in a wide array of insurance products, including auto, home, business, and notably, life insurance. Serving both individual consumers and businesses across Tennessee, Cumberland Insurance Agency aims to help clients manage risks and protect their assets through customized insurance solutions. Their life insurance offerings include individual life insurance, group life insurance, and health insurance options, catering to the needs of families and businesses alike. The agency prides itself on its independent status, which allows it to provide clients with access to various insurance carriers and products tailored to their specific requirements. With multiple office locations in Tennessee, Cumberland Insurance Agency is well-positioned to serve its local community effectively.


7. Swallows Insurance Agency


Swallows Insurance Agency, founded in 1956 and based in Cookeville, Tennessee, is a private insurance agency that specializes in a wide array of personal and commercial insurance products. With a team of 11 to 50 employees, the agency focuses on providing tailored insurance solutions to meet the unique needs of its clients. Their offerings include auto, home, life, and health insurance, as well as specialized commercial insurance for various industries. Swallows Insurance Agency operates by partnering with multiple insurance carriers, ensuring clients receive competitive quotes and comprehensive coverage options. Their commitment to customer service is evident in their personalized approach, where local agents assist clients in understanding complex policy details and navigating their insurance needs. The agency is licensed to operate in several states, further expanding its reach and service capabilities.


8. Landmark Insurance & Brokerage Corp.


Landmark Insurance & Brokerage Corp., based in Cleveland, Tennessee, is a family-owned insurance agency founded in 2009. The company provides a range of insurance products, including personal, business, life, and health insurance, catering to both individual consumers and businesses. Landmark Insurance emphasizes quality service and the importance of strong client relationships, aiming to deliver the best insurance protection at reasonable prices. Their approach includes working with various insurance providers to ensure that clients receive appropriate coverage tailored to their needs. The agency also highlights its commitment to ethical standards and client trust, which are central to their operations. While they offer life insurance as part of their portfolio, their broader focus on personal and business insurance may dilute their relevance in the life insurance market specifically.


9. Farmers Life Insurance Company


Farmers Life Insurance Company, based in Knoxville, Tennessee, is a private insurance and financial services provider that specializes in life insurance and annuity products. Established in 1997, the company has evolved from its origins in credit life and disability insurance to a broader focus on helping individuals and families navigate their financial futures. Farmers Life emphasizes the importance of effective planning and risk management strategies, aiming to provide comfort and confidence to its clients. The company offers a range of products, including Multi-Year Guaranteed Annuities (MYGA) and Fixed Index Annuities (FIA), designed to meet various retirement needs. Farmers Life is committed to making insurance solutions affordable and understandable, ensuring that they cater to the needs of everyday Americans. With a dedicated workforce of 16 employees, the company operates solely within the United States, reinforcing its focus on the domestic market.


10. White & Associates Insurance Agency

  • Website: whiteandassociates.net
  • Ownership type: Private
  • Headquarters: Dyersburg, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1976
  • Headcount: 51-200
  • LinkedIn: white-and-associtates

White & Associates Insurance Agency, founded in 1976 by Larry White, is a private insurance agency based in Dyersburg, Tennessee. With a workforce of approximately 77 employees, the agency operates multiple locations across West Tennessee, Missouri, and Arkansas. They provide a variety of insurance products, including auto, home, health, and notably, life insurance. The agency has established itself as a significant player in the local insurance market, recognized for its customer-centric approach and community engagement. White & Associates has also been acknowledged as the largest independent Allstate agency in Tennessee, showcasing their capability in managing a broad portfolio of insurance services. Their commitment to enhancing client satisfaction and community support is evident through initiatives like 'Referrals for a Cause,' which has raised substantial funds for local non-profits. This involvement reflects their dedication not only to their clients but also to the communities they serve.


11. Smith - Berclair Insurance, Inc.


Smith - Berclair Insurance, Inc. is a family-owned insurance agency based in Memphis, Tennessee, established in 1966. With a workforce of approximately 42 employees, the agency provides a wide array of insurance products tailored to meet the needs of individuals, families, and businesses. Their offerings include business insurance, auto insurance, homeowners insurance, life insurance, and health insurance. As independent agents affiliated with the Trusted Choice® network, they have the flexibility to source policies from various reputable providers, allowing them to offer customized solutions to their clients. Their commitment to customer service is evident in their approach to helping clients navigate their insurance needs effectively. Smith - Berclair Insurance serves clients not only in Tennessee but also in neighboring states such as Mississippi, Arkansas, Alabama, and Kentucky, showcasing their regional reach and expertise in the insurance sector.


12. Sneed Insurance

  • Website: sneedinsurance.com
  • Ownership type: Family Owned
  • Headquarters: Memphis, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1957
  • Headcount: 11-50
  • LinkedIn: srg-inc

Sneed Insurance, based in Memphis, Tennessee, is a family-owned independent insurance agency that has been serving clients since 1957. With a team of approximately 27 employees, the agency specializes in a comprehensive range of insurance products, including personal, commercial, and employee benefits insurance. They cater to both individual consumers and businesses, offering customized strategies to manage risks and protect valuable assets. Sneed Insurance prides itself on its ability to provide unbiased advice by representing over fifty different insurance companies. This allows them to offer a variety of insurance products at different price points, ensuring that clients receive tailored solutions that can adapt to their changing needs throughout various life stages. Their commitment to building long-lasting relationships with clients is evident in their focus on education and guidance in the insurance process.


13. Larry E. Crum & Associates


Larry E. Crum & Associates is an insurance agency based in Memphis, Tennessee, founded in 1968. The agency provides a variety of insurance products, including auto, life, homeowners, and specialized business insurance. With a team of 11 to 50 employees, they cater to both individual consumers and businesses, helping clients manage risks and protect their assets through tailored insurance solutions. The agency has expanded its reach over the years, now serving clients across multiple states, including Arkansas, Mississippi, and Missouri. Their life insurance offerings include major products such as term life, whole life, and universal life insurance, aimed at providing coverage for families and individuals. The agency prides itself on customer service, ensuring that clients receive personalized attention and policy reviews to meet their evolving needs.


14. Employee Benefit Specialists

  • Website: ebstn.com
  • Ownership type: Corporate
  • Headquarters: Morristown, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2005
  • Founded year: 1980
  • Headcount: 11-50
  • LinkedIn: employee-benefit-specialists

Employee Benefit Specialists (EBS), founded in 1980 and based in Morristown, Tennessee, operates as an insurance agency that provides a variety of insurance products and employee benefits services. With a team of experienced agents, EBS focuses on helping both businesses and individuals navigate the complexities of insurance. They offer solutions such as life insurance, health insurance, and compliance assistance for employee benefits. EBS represents over 45 insurance companies, allowing them to tailor benefit packages to meet the specific needs of their clients. Their commitment to customer service is reflected in positive testimonials from clients, highlighting their responsiveness and support. EBS has also received recognition in the form of awards for their performance in the insurance industry, showcasing their dedication to excellence in service delivery.


15. Hutsenpiller Insurance

  • Website: hutins.com
  • Ownership type: Family Owned
  • Headquarters: Mt. Juliet, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1992
  • Headcount: 11-50
  • LinkedIn: hutsenpiller-insurance

Hutsenpiller Insurance, founded in 1992 and based in Mt. Juliet, Tennessee, is a family-owned insurance agency that provides a wide array of insurance products, including life insurance, auto, home, and business insurance. The agency prides itself on delivering personalized service and effective communication, ensuring that clients receive tailored coverage solutions to manage their risks and protect their assets. With a team of experienced agents, many of whom have backgrounds in competitive sports, Hutsenpiller Insurance emphasizes a proactive approach to customer service. They have garnered recognition within the community, receiving awards such as Business of the Year and Tennessee Agent of the Year. Their commitment to community involvement and customer satisfaction further solidifies their reputation in the insurance industry. Hutsenpiller Insurance operates as an independent agency, allowing them to partner with multiple top-rated carriers to provide competitive pricing and comprehensive coverage options for their clients.


16. Sunbelt Insurance


Sunbelt Insurance, now rebranded as SBK Insurance, is an independent insurance agency based in Chattanooga, Tennessee. Founded in 1984, the company has built a reputation for offering a wide array of insurance products, including personal, commercial, and life insurance. SBK Insurance serves both individual consumers and businesses, providing customized coverage options to address various risks. Their commitment to customer service is evident in their approach to insurance, where they emphasize the importance of understanding client needs and delivering competitive pricing. As a subsidiary of SmartBank, SBK Insurance benefits from the backing of a financial institution, enhancing its operational capabilities. The agency's life insurance offerings include term, whole, and universal life insurance, catering to different client needs. They also focus on maintaining strong relationships with multiple insurance carriers, allowing them to compare coverage and pricing effectively for their clients.


17. Widener Insurance Agency, Inc.

  • Website: widenerins.com
  • Ownership type: Private
  • Headquarters: Johnson, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1967
  • Headcount: 11-50
  • LinkedIn: widener-insurance-inc

Widener Insurance Agency, Inc., based in Johnson City, Tennessee, has been serving the insurance needs of individuals and businesses since its founding in 1967. With a team of 11 to 50 employees, the agency specializes in a wide array of insurance products, including personal, business, and notably, life and health insurance. Their life insurance offerings include term life, universal life, whole life, and Medicare supplement plans, catering to a variety of client needs. The agency prides itself on its customer-centric approach, ensuring that clients receive prompt and fair claims processing. As a member of Trusted Choice, Widener Insurance Agency emphasizes its commitment to providing tailored coverage and support to its clients, reinforcing its relevance in the insurance industry.


18. Carriage Hill Insurance & Risk Management


Carriage Hill Insurance & Risk Management is an independent insurance agency based in Lenoir City, Tennessee, founded in 1984. With a team of 24 employees, the agency specializes in a wide array of insurance products, including personal, business, and employee benefits insurance. They serve both individual consumers and businesses, helping clients manage risks and protect their assets through tailored insurance solutions. The agency operates eight offices across East Tennessee and Kentucky, emphasizing local, personalized service. Their offerings include individual life insurance, group health insurance, and other employee benefits, showcasing their commitment to providing comprehensive coverage options. Carriage Hill Insurance prides itself on a human-centered approach, ensuring clients receive the support they need during the claims process and throughout their insurance journey.


19. Lester, Greene, McCord & Thoma Insurance


Lester, Greene, McCord & Thoma Insurance is an insurance agency based in Tullahoma, Tennessee, with a history dating back to 1910. The agency specializes in a wide range of insurance products, including commercial, personal, life, and auto insurance. With a dedicated team of 26 employees, they emphasize risk management and financial protection for both individuals and businesses. The agency has built a strong reputation in the community, serving over 4,000 clients and maintaining a commitment to providing tailored insurance solutions. Their life insurance offerings include term, universal, and whole life products, as well as options for long-term care coverage. The agency's partnership with Keystone enhances their ability to meet complex insurance needs, providing clients with access to a broader range of resources and expertise. They have a proven track record of adapting to the changing needs of their clients while maintaining a focus on personal relationships and community involvement.


20. Cornerstone Insurance Group


Cornerstone Insurance Group, founded in 1996 and based in Chattanooga, Tennessee, is a private insurance agency with a dedicated team of approximately 27 employees. The firm specializes in a wide array of insurance products, including life insurance, which is a key component of their offerings. They cater to both individual consumers and businesses, providing customized solutions to help manage risks and secure financial futures. Their independent status allows them to compare policies from multiple carriers, ensuring clients receive competitive rates and comprehensive coverage. Cornerstone is licensed to operate in Tennessee, Georgia, and Alabama, and emphasizes a client-focused approach, aiming to deliver quality service and valuable coverage across all their insurance lines.


21. Clay & Land Insurance, Inc.

  • Website: clayandland.com
  • Ownership type: Private
  • Headquarters: Memphis, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1968
  • Headcount: 51-200
  • LinkedIn: clay-land-insurance-inc

Clay & Land Insurance, Inc., founded in 1968 and based in Memphis, Tennessee, is a private insurance agency that specializes in a wide array of insurance products. The company serves both individual consumers and businesses, providing personal, business, life, health, and Medicare insurance. As an independent agency, Clay & Land collaborates with various reputable insurance carriers to offer tailored coverage options that align with the unique needs of their clients. Their commitment to customer service is evident in their approach to risk management and financial protection, ensuring that clients receive the best possible solutions for their insurance needs. The agency's team of professionals is dedicated to guiding clients through the complexities of insurance, making it easier for them to secure their financial future.


22. S&S Insurance Agency

  • Website: ssins.net
  • Ownership type: Private
  • Headquarters: Nashville, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1913
  • Headcount: 11-50
  • LinkedIn: s-s-insurance-agency

S&S Insurance Agency, based in Nashville, Tennessee, has been serving clients since 1913. This independent insurance agency specializes in a wide array of insurance services, including personal, business, life, health, and group benefits insurance. With a dedicated team of 25 employees, S&S Insurance Agency aims to assist both individual consumers and businesses in managing risks and protecting their financial interests. They offer various life insurance products, such as individual life insurance, final expense insurance, fixed annuities, and mortgage protection insurance. Their independent status allows them to collaborate with multiple reputable insurance carriers, ensuring that clients receive tailored coverage that meets their specific needs. The agency operates several offices across Tennessee, enhancing their accessibility to clients throughout the state. S&S Insurance Agency is committed to providing personalized service and support, which is evident in their customer reviews that highlight their knowledgeable and responsive team.


23. Consumers Insurance USA

  • Website: ciusa.com
  • Ownership type: Private
  • Headquarters: Murfreesboro, Tennessee, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1995
  • Headcount: 51-200
  • LinkedIn: consumers-insurance-usa

Consumers Insurance USA, also known as Encova Insurance, is a private insurance provider based in Murfreesboro, Tennessee. Founded in 1995, the company has established itself in the insurance sector by offering a variety of products, including business, personal, and life insurance. Encova operates through a network of agents, facilitating customer engagement and service delivery. Their life insurance offerings include both personal and business life insurance, aimed at providing financial security for individuals and businesses alike. The company emphasizes innovation and customer service, striving to meet the unique needs of its policyholders. With a workforce of approximately 27 employees on LinkedIn, Encova Insurance maintains a focused approach to its operations, catering primarily to the U.S. market.


24. Price & Ramey Insurance


Price & Ramey Insurance, based in Kingsport, Tennessee, has been a fixture in the insurance industry since its founding in 1914. This private agency specializes in a wide array of insurance products, including auto, homeowners, health, and notably, life insurance. With a team of approximately 43 employees, they pride themselves on delivering personalized service tailored to the unique needs of their clients. Their life insurance offerings include term life, final expense policies, and annuities, catering to various financial planning needs. The agency operates as an independent entity, collaborating with over 150 insurance carriers to provide clients with competitive options. Their commitment to customer satisfaction is reflected in their service model, which emphasizes understanding individual client needs and providing customized solutions. With over a century of experience, Price & Ramey Insurance continues to serve both individual consumers and businesses, helping them manage risks and protect their financial interests.



Life Insurance Insights: Key Companies in Tennessee


CompanyHeadquarterSizeFoundedOwnership
Farm Bureau Insurance of TennesseeColumbia, Tennessee, United States (USA)1001-50001948Private
Direct Auto InsuranceNashville, Tennessee, United States (USA)5001-100001991Corporate
Zander InsuranceNashville, Tennessee, United States (USA)51-2001925Private
Tigrett & Pennington InsuranceBrentwood, Tennessee, United States (USA)11-501933Family Owned
TIS Insurance Services, Inc .Knoxville, Tennessee, United States (USA)51-2001945Private
Cumberland Insurance AgencyCookeville, Tennessee, United States (USA)11-501996Private
Swallows Insurance AgencyCookeville, Tennessee, United States (USA)11-501956Private
Landmark Insurance & Brokerage Corp.Cleveland, Tennessee, United States (USA)1-102009Family Owned
Farmers Life Insurance CompanyKnoxville, Tennessee, United States (USA)11-501997Private
White & Associates Insurance AgencyDyersburg, Tennessee, United States (USA)51-2001976Private
Smith - Berclair Insurance, Inc.Memphis, Tennessee, United States (USA)11-501966Family Owned
Sneed InsuranceMemphis, Tennessee, United States (USA)11-501957Family Owned
Larry E. Crum & AssociatesMemphis, Tennessee, United States (USA)11-501968Private
Employee Benefit SpecialistsMorristown, Tennessee, United States (USA)11-501980Corporate
Hutsenpiller InsuranceMt. Juliet, Tennessee, United States (USA)11-501992Family Owned
Sunbelt InsuranceChattanooga, Tennessee, United States (USA)11-501984Private
Widener Insurance Agency, Inc.Johnson, Tennessee, United States (USA)11-501967Private
Carriage Hill Insurance & Risk ManagementLenoir City, Tennessee, United States (USA)11-501984Corporate
Lester, Greene, McCord & Thoma InsuranceTullahoma, Tennessee, United States (USA)11-501940Private
Cornerstone Insurance GroupChattanooga, Tennessee, United States (USA)11-501996Private
Clay & Land Insurance, Inc.Memphis, Tennessee, United States (USA)51-2001968Private
S&S Insurance AgencyNashville, Tennessee, United States (USA)11-501913Private
Consumers Insurance USAMurfreesboro, Tennessee, United States (USA)51-2001995Private
Price & Ramey InsuranceKingsport, Tennessee, United States (USA)51-2001914Private


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