Plain-English insurance tips for Middle Tennessee: home, car, life, business, boat, and RV coverage explained by a local independent agent.
Fall in Middle Tennessee means football, cooler mornings, and deer on the move. According to the Tennessee Department of Safety and Homeland Security, November is historically the peak month for…
Most homeowners think about insurance after something goes wrong: a burst hose, a roof leak after a storm, or water under the house. But many of the most expensive problems…
Choosing between term and whole life insurance often comes down to two questions: what each one does, and what each one costs. Our term vs. whole life guide explains how…
Once you've decided on term life insurance, the next question is how long the term should be. Ten, 20, and 30 years are the most common lengths, though many carriers…
Term life insurance is built to end. But your need for coverage doesn't always end on schedule, and your health may not be what it was when you first applied.…
When you apply for life insurance, two people with the same age and coverage amount can be offered very different prices. The reason is underwriting: the process an insurer uses…
"How much life insurance do I need?" is one of the first questions families ask, and one of the hardest to answer on the spot. Rules of thumb like "10…
Cash value is the feature that makes whole life insurance different from term. It's also the part people find most confusing. Is it savings? An investment? Something you get back?…
Indexed universal life (IUL) has passionate fans and harsh critics. The truth is usually in between: it's a tool that fits some people well and others poorly. This article lays…
Indexed universal life (IUL) isn't a scam. It's a legitimate type of permanent life insurance that can fit some people. But it's also one of the most aggressively marketed financial…