Life Goes On.
Bills Don’t Pause.
But when something happens to you, your family still needs to pay the mortgage, keep the lights on, and somehow move forward. That's what life insurance does.
Look, nobody wakes up excited to think about life insurance. It's right up there with updating your will and getting a colonoscopy on the list of "adulting" tasks we'd rather avoid.
But Here's The Thing
The financial mess that families face after losing someone isn't theoretical. I've sat with the widow who had a $500,000 policy (sounds like a lot, right?) except her husband made $90,000 a year, they had a mortgage sized for that income, a new car payment, and kids who weren't close to leaving home. That money had to stretch a lot further than anyone planned.
I've delivered a $50,000 check to a husband whose wife's medical bills from cancer treatment were already in collections. He was just grateful to stop the collection calls that started before the funeral was even over.
Life insurance isn't about death. It's about protecting the life your family has right now.
Why Talk to Me Instead of Buying Online?
Here's what I don't do: I don't sell policies through a website with a chatbot. You can't click "buy now" on my site.
Why? Because this isn't buying shoes on Amazon.
This is a financial decision that needs to fit your situation and your budget.
My Two Rules for Life Insurance:
Something is better than nothing
Only get what you can easily afford
To follow those rules, we need to talk. I need to understand what you're protecting and what you can consistently afford. You need to understand what you're buying and why it makes sense for your situation.
I specialize in normal families, people with kids, small businesses, and real budgets. I mostly sell term life insurance because it's affordable protection when you need it most. I also help people get smaller permanent policies for when (hopefully) they outlive that term coverage.
Here's How This Works
Step 1
Call me at 865.712.5711 or fill out the contact form below. I'll send you some information to review before we talk.
Step 2
We'll schedule a phone or Zoom call (I work with families across Tennessee, Virginia, and Georgia). We'll talk about your situation, what makes sense, and what doesn't.
Step 3
I'll show you options from companies like Illinois Mutual and Midland National, both have excellent rates for term coverage and affordable permanent policies. If you have special circumstances, I work with other companies, too.
Step 4
You decide. No pressure. No games. If it makes sense and fits your budget, we move forward. If not, at least you'll understand what you're actually looking for.
What You Need to Know Before We Talk
I know—more stuff you don't want to think about. But here's what you need to understand right now:
You don't know when health changes. You need to handle this while you still can.
After you contact me, I'll send you information explaining the different types of insurance, term vs. permanent, and the pros and cons of each. I'll be honest about what I recommend and what I don't. There are certain policies I refuse to sell because they're not in your best interest.
But if you're ready to talk about protecting your family, let's start now.
Let's Talk About Protecting Your Family
Or call me directly: 865.712.5711