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Life Insurance Providers Bristol TN

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in Bristol, TN listed below that can explain more.

Phillip R. Rust (RFC®), CHFC, CLU, LUTCF
(423) 789-2000
1241 Volunteer Parkway, Suite 424
Bristol, TN
Company
SecureMoneyMasters, Inc.
Qualifications
Education: Business and Finance
Years of Experience: 23
Membership
IARFC, MDRT, SCSA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided By:
Preferred Insurance Solutions
(423) 378-9330
1127-F North Eastman Road
Kingsport, TN
Alternate Phone Number
(423) 378-9330
Services
Life Insurance, Annuities, Voluntary Benefits

Roger Graham
2400 Crestmoor Rd
Nashville, TN
Company
Title: Vice President
Company: Financial Strategies Inc.
Type
Investment Advisor Rep: Yes
Education
University of North Carolina - BS Business Administration
California State University Sacramento - MBA
Years Experience
Years Experience: 27
Service
Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,Life Settlements,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Pl

Data Provided By:
Mr. Ira Work (RFC®), CHFC, CSA
(561) 386-1071
15180 Old Hickory Blvd. #604
Nashville, TN
Company
Work Financial Group, Inc.
Qualifications
Education: BBA
Years of Experience: 25
Membership
IARFC, SCSA
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, personal Coach, Retirement Planning, Seminars Work, Mutual Funds, Life Insurance, Education Plan, Asset Protection, Compensation Plans

Data Provided By:
Michael Sandifer
25308 ClockTower Drive
Franklin, TN
Company
Company: Sandifer Investment Group LLC
Type
Investment Advisor Rep: Yes
Education
Baylor University BA in Accounting
Years Experience
Years Experience: 11
Service
Stock Market Alternative,Wealth Management,Annuities,Alternative Asset Class Planning,Planning For Personal Finances & Budgeting,Education Funding & Financial Aid Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insurance,Investment & Portfolio Management,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Investment Consulting & Allocation Design,R

Data Provided By:
Adam Crouch
101 East Unaka
Johnson City, TN
Company
Title: REGISTERED REPRESENTIVE
Company: LINSCO PRIVATE LEDGER
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
MILLIGAN COLLEGE BUSINESS/PHYCHOLOGY
NORTHWESTERN UNIVERSITY FINANCE/TRUST
UNIVERSITY OF COLORODO TRUST
Years Experience
Years Experience: 28
Service
Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,Income for Life/ Preserve Principal,Health Care Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Estate Tax Planning,Stock Market Alternative,Disability Insurance,Retirement Planning,Long-Term Health Care Planning,Planning For Personal Finances & Budgeting,Individual Income Tax Planning,Pension for Highly Compensated Owners,Wealth Management,Life Insuranc

Data Provided By:
George Putnam
8104 Wiebelo Dr.
Knoxville, TN
Type
Investment Advisor Rep: Yes
Education
University of Tennessee BA in Economics
Years Experience
Years Experience: 35
Service
CD Alternative,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Retirement Income Distribution Planning,Pension for Highly Compensated Owners,Stock Market Alternative,Wealt

Data Provided By:
Constance O. Luttrell (RFC®)
(615) 591-3260
817 Willow Springs Blvd.
Franklin, TN
Company
CC & Associates
Qualifications
Education: University of Tennessee at Chattanooga, Business Administration major, minor in theater; Continuing financial studies at Aquinas College and David Lipscomb University in Nashville, Tennessee and continuing financial courses relating to her profession.
Years of Experience: 24
Membership
IARFC
Services
Invoice, Seminars Work, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Healthcare Accounts, Asset Protection

Data Provided By:
Larry Daniels
8966 Dayton Pike
Soddy Daisy, TN
Company
Title: Financial Advisor / Agent
Company: Mountain Wealth Management
Type
Registered Investor: Yes
Education
BS Business Administration University of Tennessee
Years Experience
Years Experience: 25
Service
Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Alternative Investments,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strat

Data Provided By:
Nicholas H. Meriwether (RFC®), CHFC, CLU
(931) 358-3961
662 Sango Rd Ste A
Clarksville, TN
Company
Financial Planning Center, LLP
Qualifications
Education: Hopkinsville High School, American College
Years of Experience: 29
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Charitable Planning, Asset Protection, BuySell, Compensation Plans

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Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

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