The top-rated life insurance agent in Germantown, Tennessee is Frank Simmons - State Farm Insurance Agent, rated 5.0 stars across 700 reviews. Other highly rated options include Caleb Hollingsworth - State Farm Insurance Agent, Alisha Dumas - State Farm Insurance Agent, Michael Duel: Allstate Insurance. This directory lists 19 life insurance agents serving Germantown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Frank Simmons - State Farm Insurance Agent | 7730 Wolf River Blvd Suite 109 | (901) 755-7190 |
| 2 | Caleb Hollingsworth - State Farm Insurance Agent | 3059 Forest Hill Irene Rd #103 | (901) 755-3100 |
| 3 | Alisha Dumas - State Farm Insurance Agent | 2135 Merchants Row STE 5 | (901) 755-5551 |
| 4 | Michael Duel: Allstate Insurance | 7608 Poplar Pike | (901) 767-7131 |
| 5 | Brandon Tate - State Farm Insurance Agent | 9091 Poplar Ave # 102 | (901) 266-0070 |
| 6 | Shoemaker Insurance Solutions | 2176 West St Suite 202 | (901) 757-5757 |
| 7 | Thompson Insurance Agency | 2298 S Germantown Rd # 1 | (901) 402-0779 |
| 8 | Laura McKay - State Farm Insurance Agent | 9056 Poplar Pike #104 | (901) 590-1929 |
| 9 | Elvin Taylor Jr - State Farm Insurance Agent | 2198 Judicial Dr | (901) 464-2214 |
| 10 | Shelter Insurance - Lauren Hahs-gilchrist, Lutcf | 1926 Exeter Rd | (901) 377-7270 |
Frank Simmons - State Farm Insurance Agent serves the Germantown, Tennessee metro area and surrounding communities as a life insurance agent. The agency assists clients with understanding their long-term financial protection needs through personalized coverage consultations. Services include reviewing existing policies and explaining policy options for families and individuals. Policy selection helps secure beneficiaries’ financial futures. Frank Simmons specifically handles term life insurance policies and whole life insurance coverage within this region.
Caleb Hollingsworth - State Farm Insurance Agent provides services including life insurance, auto insurance, home insurance, and financial planning. It regularly reviews clients’ changing needs and updates coverage to align with their long-term goals. The agency maintains clear communication to ensure policies remain suitable as circumstances evolve. It serves residents of Germantown, TN, and the surrounding area, assisting homeowners with single-family homes and condominiums, as well as local businesses such as retail shops and restaurants.
Alisha Dumas - State Farm Insurance Agent serves homeowners, businesses, and property managers in Germantown, Tennessee. The agency provides life insurance policies that help clients protect their families’ financial futures and cover final expenses. Additional services include policy reviews to ensure coverage keeps pace with changing life circumstances. The agent assists with term and whole life options tailored to individual needs and budgets. Service also extends to residents and business owners in the greater Memphis metropolitan area, including nearby Collierville.
Serving Germantown and the surrounding Shelby County communities, Michael Duel: Allstate Insurance handles life insurance policies designed to provide financial protection for families. It helps clients navigate term and whole life options, focusing on income replacement and final expense planning. The agency generally begins by assessing a client’s current coverage needs and future obligations, then recommends a policy type that aligns with their budget. It then proceeds to quote specific amounts and walks the client through the application and underwriting process.
Brandon Tate - State Farm Insurance Agent in Germantown, TN, offers life insurance agents who provide coverage plans ranging from term policies, which offer protection for specific periods, to whole life policies that build cash value over time. These professionals assist clients in selecting a policy based on individual financial goals. Service appointments are typically arranged on an as-needed basis to accommodate policy reviews, claim filing, and adjustments to beneficiaries or coverage amounts.
As summer storms and humidity settle across Germantown, homeowners often review their financial protections. Shoemaker Insurance Solutions provides life insurance options suited to these local concerns by meeting with residents to discuss income replacement and final expense planning. The company operates in the life insurance agent category, guiding clients toward policies that align with their family and property considerations. An initial risk assessment session is scheduled to review current coverage and identify potential gaps in a client’s financial strategy.
Thompson Insurance Agency in Germantown, TN works with clients to find term insurance plans that provide coverage for a fixed period and permanent policies that last a lifetime. Its life insurance agents also assess family needs, examining income replacement and long-term financial goals for local residents. This service becomes especially important for new homeowners in Germantown, as it helps ensure mortgage obligations are covered should the unexpected occur.
Laura McKay's agency in Germantown, TN offers personal insurance coverage, focusing on life insurance policies to protect families and individuals against financial uncertainty. These plans provide stable benefits for beneficiaries after a client’s passing, helping cover final expenses or replace lost income. The office also constructs tailored financial safety nets for local commercial sectors, including offices, warehouses, and food service operations seeking to secure their business continuity.
Elvin Taylor Jr State Farm Insurance Agent provides life insurance services to residents in Germantown, Tennessee, helping them plan financial protection for their families. The office also assists local businesses with commercial coverage needs across the area. From initial consultations to policy adjustments, the agent works with clients to address their insurance concerns through clear explanations of available options. The service continues after a policy is in place, with the agent reaching out for periodic reviews to ensure coverage remains aligned with changing circumstances.
Shelter Insurance - Lauren Hahs-Gilchrist, Lutcf, located in Germantown, TN, is recognized for providing personalized life insurance coverage to local residents. The agency works with individuals and families to assess their long-term financial protection needs, offering guidance on policy options that align with their circumstances. As a standard service, the agent can also include optional living benefits riders, which provide access to policy funds under certain critical health conditions.
What Does a a Life Insurance Agent in Germantown Cost?
Term life insurance for a healthy 35 year old in Tennessee typically costs between 20 and 40 dollars per month for a 500 thousand dollar policy. Whole life premiums range from 100 to 300 dollars per month depending on age health and face amount. Universal life policies vary widely based on cash value growth assumptions. Costs also differ by carrier and underwriting class. This is general information and not insurance advice.
About life insurance agents in Germantown
Life insurance agents in Germantown Tennessee help residents and small business owners select coverage that fits their financial goals. Tennessee law requires agents to hold a valid state license and follow the Tennessee Insurance Code. Local agents can explain how state regulations affect policy options and beneficiary designations.
Frequently Asked Questions
What license does a life insurance agent need in Tennessee?
An agent must hold a Tennessee resident insurance producer license for life and health lines. The license requires prelicensing education and a state exam. Agents must also complete continuing education every two years to renew.
How long do beneficiaries have to file a claim in Tennessee?
Tennessee does not set a specific statute of limitations for filing a life insurance claim. However most policies require prompt notification. Beneficiaries should submit a claim form and death certificate as soon as possible to avoid delays.
Can a life insurance agent in Germantown help with policy reviews?
Yes agents can review existing policies to check coverage amounts beneficiaries and premium costs. They can also explain how Tennessee community property laws may affect policy ownership for married couples.
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