The top-rated life insurance agent in Johnson City, Tennessee is Veritas Insurance, rated 5.0 stars across 554 reviews. Other highly rated options include Widener Insurance Inc, Westmoreland Insurance - A Division of Carriage Hill, Jones Insurance Service. This directory lists 20 life insurance agents serving Johnson City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Veritas Insurance | 4451 N Roan St #201 | (423) 292-4142 |
| 2 | Widener Insurance Inc | 607 Baxter St | (423) 926-7151 |
| 3 | Westmoreland Insurance - A Division of Carriage Hill | 2514 Wesley St #101 | (423) 610-1212 |
| 4 | Jones Insurance Service | 2112 N Roan St #706 | (423) 282-9339 |
| 5 | Farm Bureau Insurance | 503 Princeton Rd Suite A | (423) 283-4780 |
| 6 | 1Source Insurance Group | 3201 Bristol Hwy # 9 | (888) 817-8254 |
| 7 | Highlands Insurance Group | 508 Princeton Rd #104 | (423) 594-0222 |
| 8 | Bass Group Insurance | 902 Sunset Dr #5a | (423) 929-1666 |
| 9 | Heritage Insurance Group | 532 Princeton Rd | (423) 283-9811 |
| 10 | Insurance Solutions by Rutledge and Associates | 129 E Springbrook Dr #4 | (423) 915-1263 |
Veritas Insurance serves the Johnson City, Tennessee metro area and surrounding communities as a local life insurance agent. The company assists individuals and families in obtaining coverage that provides financial protection for their loved ones. Policies are tailored to help meet specific budgeting and long-term planning needs. Common services include term life and whole life insurance options, which are designed to support beneficiaries after a policyholder’s passing. It also handles final expense policies to cover end-of-life costs.
Widener Insurance Inc in Johnson City, TN provides life insurance agent services, assisting clients with term and permanent life policy options to protect their families’ financial futures. It offers ongoing policy reviews and beneficiary updates to ensure coverage remains aligned with changing needs. The agency also helps clients integrate life insurance into broader financial plans. It serves single-family homes, apartments, retail, and restaurants in the area, tailoring coverage recommendations to the specific assets and liabilities of each property type.
Westmoreland Insurance - A Division of Carriage Hill serves homeowners, families, and local business owners in Johnson City, Tennessee. This life insurance agency helps clients select appropriate coverage to protect their financial futures and provide for their loved ones. Agents work closely with individuals to understand their specific needs and recommend suitable policy options. They also assist small business operators in securing key-person or buy-sell life insurance arrangements. Their service area additionally extends to the neighboring community of Jonesborough and other parts of the Tri-Cities metropolitan region.
Jones Insurance Service serves Johnson City and the surrounding communities of eastern Tennessee with life insurance coverage. The agency handles individual term and whole life policies as well as group plans for local families and small business owners. Clients can work through the process of comparing policy options and calculating appropriate coverage amounts. The company typically begins each case by reviewing the client’s long-term financial objectives and personal circumstances before recommending a suitable policy type and benefit level.
Farm Bureau Insurance serves the Johnson City, Tennessee area as a local life insurance agent. It provides guidance on policies designed to offer financial protection for families and individuals in the surrounding community. The company helps clients understand coverage options that can address long-term needs and future planning. Its services include term life and whole life insurance products for local residents.
1Source Insurance Group in Johnson City, TN, helps clients understand that a life insurance policy can be arranged either for a specific term or as a permanent, whole-life solution. The fundamental purpose of this coverage is to provide financial protection for beneficiaries after the insured person’s death. Local agents guide individuals through the application and underwriting process to secure an appropriate benefit amount for their family’s needs. Service is offered to clients on either a one-time, scheduled, or as-needed basis.
Highlands Insurance Group offers specialized life insurance policy options, including term and whole life coverage, to meet diverse financial needs. It guides clients through the process of selecting appropriate death benefit amounts and beneficiaries. Serving Johnson City and the surrounding region, the agency works with individuals and families to secure financial protection. It provides assistance with policy reviews and coverage adjustments. During open enrollment periods, it helps clients ensure their life insurance plans align with major life changes like marriage or the birth of a child.
As Johnson City families prepare for seasonal shifts, reviewing financial protection plans becomes a priority. Bass Group Insurance serves the area as a life insurance agent. They help local residents understand term and whole life policy options. Their process involves discussing individual coverage needs and budget considerations. A typical first step to moving forward is scheduling an initial assessment consultation.
Heritage Insurance Group helps individuals and families in Johnson City secure financial protection against unexpected loss. The agency focuses specifically on life insurance, offering policies designed to provide beneficiaries with financial support after a policyholder’s death. Coverage plans can assist with income replacement, final expenses, and long-term savings goals. The company regularly works with a variety of commercial sectors, including local offices, warehouses, and food service businesses, to address their insurance needs.
Insurance Solutions by Rutledge and Associates provides life insurance services for residential clients in Johnson City, Tennessee, helping families assess their coverage needs. The same agency also works with commercial clients on appropriate life insurance policies for business continuity. Their service area primarily covers Johnson City and the surrounding region of northeastern Tennessee. After an initial policy is issued, this agency schedules regular check-ins with clients to review coverage and adjust for life changes, ensuring continued appropriate protection between those scheduled visits.
What Does a a Life Insurance Agent in Johnson City Cost?
Life insurance costs in Tennessee vary by age health and policy type. A healthy 35 year old might pay 25 to 50 dollars per month for a 20 year term policy with 250,000 dollars in coverage. Whole life policies typically cost 100 to 300 dollars per month for similar coverage. Rates also depend on tobacco use and family medical history. This is general information not insurance advice.
About life insurance agents in Johnson City
Life insurance agents in Johnson City Tennessee help residents choose term life whole life and universal life policies. 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 benefits and beneficiary designations.
Frequently Asked Questions
What license does a life insurance agent in Johnson City need?
Agents must hold a Tennessee resident insurance producer license for life insurance. This requires completing pre-licensing education and passing the state exam. The license is regulated by the Tennessee Department of Commerce and Insurance.
How does Tennessee law affect life insurance policy payouts?
Tennessee has a two-year contestability period during which insurers can deny claims for misrepresentation. After two years the policy is generally incontestable. Beneficiaries must file claims within the time limits stated in the policy.
Can a life insurance agent in Johnson City help with estate planning?
Yes agents can coordinate with local estate planning attorneys to align life insurance with Tennessee estate plans. Life insurance proceeds are generally not subject to Tennessee inheritance tax. Agents can explain how policies fund trusts or cover estate settlement costs.
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