The top-rated life insurance agent in Oak Ridge, Tennessee is Stephanie Hale-Smith - State Farm Insurance Agent, rated 5.0 stars across 330 reviews. Other highly rated options include Bradley Roberts: Allstate Insurance, Mike Massaglia - State Farm Insurance Agent, Josh Hemphill - State Farm Insurance Agent. This directory lists 19 life insurance agents serving Oak Ridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Hale-Smith - State Farm Insurance Agent | 40 New York Ave #110 | (865) 483-7784 |
| 2 | Bradley Roberts: Allstate Insurance | 106 S Illinois Ave | (865) 482-9596 |
| 3 | Mike Massaglia - State Farm Insurance Agent | 108 S Illinois Ave | (865) 425-7750 |
| 4 | Josh Hemphill - State Farm Insurance Agent | 574 Oak Ridge Turnpike | (865) 512-7542 |
| 5 | Laura Lynn Green - State Farm Insurance Agent | 136 Marquette Rd | (865) 483-5666 |
| 6 | Farm Bureau Insurance | 1574 Oak Ridge Turnpike | (865) 482-5666 |
| 7 | Madison Insurance Group, Inc. | 795 Main St W Suite 200 | (865) 425-7300 |
| 8 | Thompson Insurance Group | 697 Emory Valley Rd E | (865) 685-5069 |
| 9 | Fox Insurance Group | 110 S Illinois Ave | (865) 482-0513 |
| 10 | Chris Smith Insurance | 471 Oak Ridge Turnpike Ste.B | (865) 272-3387 |
Stephanie Hale-Smith – State Farm Insurance Agent serves the Oak Ridge, Tennessee, metro area as a life insurance agent. The company helps individuals and families select coverage policies that can provide financial protection and peace of mind. Life insurance services address needs such as income replacement for dependents and final expense planning. The company also assists clients with evaluating term and whole life options suited to their specific scenarios and budgets.
Bradley Roberts: Allstate Insurance provides a full range of life insurance policies designed to help Oak Ridge residents secure financial protection for their families. The agency assists clients in selecting appropriate coverage plans and offers ongoing policy reviews to ensure beneficiaries remain properly listed as life circumstances evolve. Agents also help with policy maintenance, such as updating beneficiaries or adjusting coverage amounts over time. This agency services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Serving Oak Ridge homeowners and commercial property managers, Mike Massaglia’s State Farm Insurance Agency provides life insurance policies designed to offer financial protection for families and businesses. The agency helps clients assess their coverage needs, ensuring they have a suitable plan for long-term security, with a focus on straightforward guidance throughout the selection process. Beyond Oak Ridge, the agency also assists residents and property owners in the nearby Clinton area with comparable life insurance services.
Serving the Farragut area, Josh Hemphill - State Farm Insurance Agent specializes in helping individuals and families select life insurance policies that safeguard their financial future. The agency’s general work also includes reviewing existing coverage and assisting with other standard insurance needs. This location provides guidance during major life transitions such as the birth of a child or a recent home purchase, when updating a policy becomes a key concern during the change of seasons.
Serving Oak Ridge and the surrounding communities of Anderson and Roane Counties, Laura Lynn Green - State Farm Insurance Agent provides life insurance coverage to local residents. The agency handles term life, whole life, and universal life policies tailored for income protection and final expenses. It focuses on understanding each client's financial goals and family needs during an initial consultation. To manage a typical job, the agent reviews personal circumstances, explains policy options clearly, and customizes a plan for long-term security.
Farm Bureau Insurance serves Oak Ridge, Tennessee, and the surrounding communities of Anderson and Roane counties. It handles life insurance policies designed to provide financial protection for families and individuals in the area. The agency works with clients to assess their specific coverage needs based on local factors and personal circumstances. For a typical job, it reviews the client’s current financial situation and long-term goals before recommending a suitable policy option from its available products.
Madison Insurance Group, Inc. in Oak Ridge, TN helps clients choose between one-time term policies to cover temporary needs and recurring payment plans designed for long-term financial obligations. They focus on life insurance agent work: assessing household income, debt, and future goals to craft coverage that matches a family’s specific situation. Their service runs on an as-needed basis, with policyholders scheduling reviews when life events—like a new home, a child’s birth, or retirement—require a coverage adjustment.
As families in Oak Ridge plan for the coming school year or the winter holidays, securing financial protection becomes a renewed priority. Thompson Insurance Group works with local residents to review life insurance policies that align with current needs and future responsibilities. Their agents focus on explaining coverage options clearly, helping clients understand term and whole life distinctions without pressure. An initial assessment starts by gathering basic household information and discussing long-term goals to determine appropriate coverage levels.
Fox Insurance Group specializes in final expense and term life coverage, providing personalized guidance to residents of Oak Ridge, TN. It helps clients through the process of selecting policies that fit individual budgets and long-term financial goals. The agency supports families in protecting their assets and ensuring income replacement needs are addressed. Whether planning for retirement or managing a new mortgage, this firm assists with crucial decisions. It is particularly valuable when helping clients reassess coverage following a major life event, such as a marriage or the birth of a child.
Serving the broader Oak Ridge area, Chris Smith Insurance helps individuals and families secure financial protection through straightforward life insurance policies. The agency concentrates on term and permanent coverage options to meet diverse client needs. Whether planning for near-term obligations or long-term estate strategies, the company guides clients toward appropriate coverage levels. Chris Smith Insurance regularly works with professionals from various local commercial sectors, including offices, warehouses, and food service businesses.
What Does a a Life Insurance Agent in Oak Ridge Cost?
Term life insurance rates in Tennessee typically range from 25 to 60 dollars per month for a healthy 35 year old seeking a 500,000 dollar 20 year policy. Whole life insurance premiums are higher often starting at 100 to 300 dollars per month for the same coverage amount. Costs vary based on age health coverage amount and policy type. This is general information not insurance advice.
About life insurance agents in Oak Ridge
Life insurance agents in Oak Ridge Tennessee help residents choose policies that protect their families and meet financial goals. Tennessee law requires agents to hold a valid state license and follow strict disclosure rules. Local agents can explain how Tennessee insurance regulations affect policy benefits and premium payments.
Frequently Asked Questions
What license does a life insurance agent in Oak Ridge need?
Tennessee requires life insurance agents to hold a valid resident license issued by the Tennessee Department of Commerce and Insurance. Agents must complete pre-licensing education and pass a state exam. You can verify an agents license on the TDCI website.
How long do I have to change my mind after buying a life policy in Tennessee?
Tennessee law gives you a free look period of at least 10 days from the date you receive the policy. During this time you can cancel for a full refund. This rule applies to most individual life insurance policies sold in the state.
Does Tennessee have a state inheritance tax that affects life insurance payouts?
Tennessee does not have a state inheritance tax or estate tax as of 2024. Life insurance death benefits are generally not subject to Tennessee state income tax. However federal estate tax may apply for very large estates.
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