Insurance Agent Serving All of Tennessee
All 95 Counties, Every City and Town

Upper Cumberland Life & Health is an independent insurance agency based in Cookeville, and we serve clients in all 95 Tennessee counties. Every product we offer is available in every county, in every city and town, whether you live in a metro area or a small community.

What We Offer Across Tennessee

• Medicare plans, including Medicare Advantage, Medicare Supplement and Part D
• Life insurance and final expense insurance
• Annuities for retirement income
• Ancillary plans such as dental and vision
• Social Security claiming strategy

We’re an independent agency, so we compare options from the carriers we represent instead of selling for just one company. Consultations are free.

Local Pages for Tennessee’s Largest Areas

These pages cover what’s specific to each area, such as local hospital systems and nearby communities. The same services are available everywhere else in the state too.

Every Other Tennessee City and County

Not on the list above? We still serve you. That includes Clarksville, Murfreesboro, Johnson City, Jackson and every other city and town in Tennessee, along with all the rural counties in between. Clients outside the Cookeville and Crossville area work with us by phone or video.

Our office is at 1435 S Jefferson Ave, Suite D, Cookeville, TN 38506. It’s open Monday through Thursday, 9:00 AM to 5:30 PM, and our phones are answered Monday through Friday, 9:00 AM to 8:00 PM.

We do not offer every plan available in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for help with plan choices.