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Holt Insurance Agency
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Life & Health Insurance

Protection for your family, in plain English.

Term and whole life, individual health and dental and vision, short- and long-term disability, long-term care, annuities, child life — the products that protect your family's income, your kids' future, and your own retirement. We're independent, so we work for the family, not the carrier.

Independent — we work for you, not the carrierMultiple top-rated life and health carriersNo-quota, no-pressure conversations
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Carriers we represent

35+ companies, one local team.

TravelersNationwideProgressiveLiberty MutualHartfordAuto-OwnersSafecoMetLifeForemostHagertyOpenlyAAA
See all 35carriers →
Term Life InsuranceWhole Life InsuranceIndividual Health InsuranceIndividual DentalIndividual VisionDisability InsuranceLong-Term CareAnnuitiesChild Life Insurance

Term Life Insurance

Term life is the simplest, cheapest, and right answer for most families: pure death benefit for a fixed term (10, 15, 20, 25, 30 years) at a level premium. If you have a mortgage, kids at home, or anyone who depends on your income, you almost certainly need term. We help you size the death benefit (income replacement, debt payoff, college, final expenses) and shop multiple top-rated carriers.

  • Level premium for the term you choose (10–30 years)
  • Pure death benefit — no cash value to muddy the waters
  • Cheapest cost-per-thousand of any life product
  • Convertible to permanent later if needs change
  • Riders: waiver of premium, accelerated death, child term
  • Healthy applicants can often get accelerated underwriting (no labs)
Get a Term quote Talk to a Holt advisor

Whole Life Insurance

Whole life is permanent insurance with guaranteed death benefit, guaranteed level premium, and a cash value that grows tax-deferred. It's not the right tool for everyone — but for estate planning, business buy-sell agreements, special-needs planning, and high-income families maxing out other tax-advantaged buckets, whole life has a real role. We're honest about when it fits and when term is the better answer.

  • Guaranteed death benefit, premium, and cash value growth
  • Tax-deferred cash value accumulation
  • Borrowing against cash value (policy loans)
  • Used for estate planning, buy-sell, special-needs trusts
  • Riders: long-term care, chronic illness, paid-up additions
Get a Whole quote Talk to a Holt advisor

Individual Health Insurance

Whether you're buying through the federal Marketplace (healthcare.gov), looking at short-term medical between jobs, or qualifying for a Medicaid alternative, we help you compare actual plan options — networks, deductibles, copays, drug formularies — not just the price on the homepage. We're licensed to sell on the Marketplace and we work with multiple TN carriers.

  • ACA Marketplace plans (subsidies if you qualify)
  • Short-term medical (great for between-job gaps)
  • Health-sharing ministry alternatives
  • Network analysis (HCA, Vanderbilt, Ascension Saint Thomas)
  • Drug formulary review for chronic conditions
  • HSA-eligible plan guidance
Get a Individual quote Talk to a Holt advisor

Individual Dental

Most ACA health plans have minimal or no dental coverage, so a separate dental policy fills a real gap — preventive cleanings, basic restorations (fillings), major restorations (crowns, bridges, root canals), and increasingly orthodontics. We compare PPO, indemnity, and DHMO plans across multiple TN carriers.

  • Preventive (cleanings, X-rays — usually 100%)
  • Basic restorative (fillings, extractions — 70–80%)
  • Major restorative (crowns, bridges, root canals — 50%)
  • Orthodontia (kids and adults) on selected plans
  • Annual maximums and waiting-period analysis
Get a Individual quote Talk to a Holt advisor

Individual Vision

Stand-alone vision insurance covers annual eye exams, frames or contacts (with allowances), and lens enhancements. It's especially worth it for families with kids or anyone wearing prescription glasses — the premiums often pay for themselves in a single year on glasses or contacts.

  • Annual comprehensive eye exam
  • Frame allowance (typically $130–$200)
  • Lens coverage (single, bifocal, progressive)
  • Contact-lens allowance (in lieu of glasses)
  • Lens enhancements (anti-glare, photochromic, polycarbonate)
Get a Individual quote Talk to a Holt advisor

Disability Insurance

Your income is the engine that pays for everything else — and a disability is statistically more likely than dying during your working years. Short-term disability replaces income for a few weeks to a few months; long-term disability picks up after that and can run to age 65. We help individuals (especially professionals, business owners, and 1099 contractors) get the right coverage outside of group plans.

  • Short-term disability (3-12 month benefit periods)
  • Long-term disability (to age 65 or longer)
  • Own-occupation vs. any-occupation definitions (huge)
  • Tax treatment of benefits (post-tax premiums = tax-free benefit)
  • Riders: residual, COLA, future-increase option
Get a Disability quote Talk to a Holt advisor

Long-Term Care

70% of people over 65 will need some form of long-term care — and it's expensive. The average cost of a private room in a TN nursing facility runs $80K-$110K/year, and assisted living averages $50K. Medicare covers very little of this. LTC insurance — either a standalone policy or a hybrid life/LTC policy — protects your retirement assets from being drained by care costs.

  • Standalone LTC policies (lower upfront, premium can rise)
  • Hybrid life/LTC (premium guaranteed, death benefit if unused)
  • Hybrid annuity/LTC (1035-exchange friendly)
  • Inflation protection riders (vital — care costs rise fast)
  • Best to buy in your 50s or early 60s (rates rise with age)
Get a Long-Term quote Talk to a Holt advisor

Annuities

An annuity is a contract with an insurance company that converts a lump sum (or periodic premiums) into guaranteed income — useful for retirement income planning, deferred tax-advantaged growth, or pension-like protection in retirement. We work with fixed, fixed-indexed, and SPIA (immediate) annuities and we're honest about which type fits which situation. Variable annuities require a securities license and we don't sell them.

  • Fixed annuities (guaranteed rate, no market risk)
  • Fixed-indexed annuities (upside potential, downside protection)
  • Single Premium Immediate Annuities (SPIAs) for income now
  • Deferred income annuities (DIAs) for income later
  • Income riders for guaranteed lifetime withdrawals
Get a Annuities quote Talk to a Holt advisor

Child Life Insurance

Child life policies cover small final expenses if the worst happens, but their real value is locking in your child's insurability — the cash value (in whole life) grows tax-deferred and the policy can be expanded later regardless of future health changes. For families with a history of cancer, diabetes, or other conditions that complicate adult underwriting, this matters.

  • Locks in insurability regardless of future health
  • Small permanent death benefit for final expenses
  • Cash value grows tax-deferred
  • Often offered as a child rider on a parent's policy (cheaper)
Get a Child quote Talk to a Holt advisor

Frequently asked

Life & Health Insurance questions, answered.

How much life insurance do I really need?
A common starting point is 10x your income, plus enough to pay off your mortgage and fund college for any kids. So a Tennessee family with $80K income, a $250K mortgage, and two kids might need $1M-$1.5M of term life. We'll walk through your specific situation rather than guessing.
Term or whole life — which should I get?
For 90% of families, term life is the right answer — cheap, simple, and covers the years when your kids and mortgage need protecting. Whole life makes sense for estate planning, business buy-sell agreements, special-needs planning, and high-income families who've maxed other tax-advantaged accounts.
Can I buy ACA Marketplace plans through Holt?
Yes — we're licensed Marketplace agents in Tennessee. We can compare plans across all the carriers participating in TN's Marketplace, run subsidy calculations based on your household income, and check your providers and prescriptions against each plan's network and formulary.
What's the difference between long-term care insurance and disability insurance?
Disability insurance replaces income while you're unable to work due to injury or illness, typically during your working years. Long-term care insurance pays for care services (assisted living, nursing facility, in-home care) usually later in life, regardless of whether you're working. They cover very different financial risks.
Why work with an independent agent for life and health?
Captive agents can only show you their company's products. Independent agents can quote across multiple carriers, find the best fit for your health, age, and goals, and switch you when a better option comes available. We don't have a quota tied to one carrier and we have no incentive to push the wrong product.

Life & Health Insurance

Let's talk about your life & health insurance.

Get a real conversation with a real local advisor. We'll shop carriers, walk through what fits, and stick around when you need to use the policy.

Request a quote 615-230-7704