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Life Insurance Providers Chattanooga 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 Chattanooga, TN listed below that can explain more.

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:
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:
Quentin Ledford
125 Point Road
Crossville, TN
Company
Title: Financial Planner/Benefits Consultant
Company: AFC-MD Benefits Consultants
Service
Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Medica

Data Provided By:
Mr. Jack D. Fain (RFC®), CHFC
(865) 428-0769
119 South Blvd
Sevierville, TN
Company
Fain Financial Service
Qualifications
Education: BS Business East Tennessee State University
Years of Experience: 14
Membership
IARFC, NAPFA, SFSP, Bar
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, Healthcare Accounts

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:
Crystal Davis
800 East Reelfoot Ave
Union City , TN
Company
Company: Davis Group Investments
Service
IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Annuities,Alternative Asset Class Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Investment & Portfolio Management,Retirement Income Distribution Planning,Fee-Only Comprehensive Financial Planning,Stock Market Alternative,Wealth Management,Retirement Planning,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning

Data Provided By:
Mr. Henry L. Parrott (RFC®), CHFC
(615) 376-5325
750 Old Hickory Blvd
Franklin, TN
Company
Estate & Financial Strategies Inc
Qualifications
Years of Experience: 16
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, personal Coach, Retirement Planning, Tax Planning, Seminars Work, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Charitable Planning, Charitable Foundations, Asset Protection, LiabCover

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:
Alan Costa, CLU, ChFC, CDFA
50 Fox Vale Lane
Nashville, TN
Company
Title: President/LPL Branch Manager
Company: The Harpeth Financial Group
Type
Investment Advisor Rep: Yes
Education
University of Virginia, BS Commerce
Years Experience
Years Experience: 35
Service
Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Life Insurance,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Estate Tax Planning,Asset Protection Strategies & Planning,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Retirement Income A

Data Provided By:
Mr. Matthew D. Yokie (RFC®), CEP, CSA
(901) 853-5507
10928 E Shelby Dr
Collierville, TN
Company
Provident Retirement Advisors
Qualifications
Education: BA
Years of Experience: 15
Membership
IARFC, SCSA, SCRFA, NICEP
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection

Data Provided By:
Data Provided By:

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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