5.0 · 68 Reviews
Locally Owned, Tennessee-Licensed, and Independent
Upper Cumberland Life & Health is an independent insurance agency based in Cookeville, Tennessee. That independence matters. We don’t work for any single carrier, so we can shop a wide range of leading carriers to find the plan that actually fits your situation, not the one that pays the highest commission.
We serve clients across all 95 Tennessee counties, by phone, video call, and in office. Most clients are at or near retirement age, and they come to us with the same question: what coverage do I actually need, and what will it cost me? That’s the conversation we’re built for.
Our services cover Medicare plans, life insurance, annuities, Social Security planning, and ancillary coverage including dental and vision. Everything under one roof, with one advisor who knows how the pieces fit together.
Scotty Lewis, Founder and Principal
Scotty Lewis has spent 19 years in the insurance and investment field, focused on Medicare, life insurance, annuities, and Social Security planning for Tennesseans approaching or in retirement. He is a Certified Senior Advisor (CSA) and a Registered Social Security Analyst (RSSA). He’s also a member of American Medicare Disability Advocates (AMDA). Those credentials and that membership reflect a deliberate decision to build an agency that can handle the full financial picture of retirement, not just sell a plan and move on.
No-Cost Advisory Service
Our Medicare reviews and consultations cost you nothing, at any point in the process. We’re compensated by the carriers when you enroll in a plan, at no added cost to you. That structure lets us stay focused on finding the right fit rather than the highest-priced option.
We also review your coverage every year. Plan landscapes shift, your health needs change, and what worked last year may cost you more than it should this year. Annual reviews are part of the service, not an upsell.
Whether you’re enrolling in Medicare for the first time or you’re already enrolled and wondering if your current plan is still the best match, the consultation is free and there’s no obligation to change anything.
Based in Upper Cumberland, Serving All of Tennessee
We’re headquartered in Cookeville and proud of it. Clients in the Upper Cumberland region can meet with us in person, and many do. But the service we provide by phone and video call is identical to what happens across the desk — same advisor, same depth, same annual reviews, same no-cost model.
We work with clients in Memphis, Nashville, Knoxville, Chattanooga, and everywhere in between. Tennessee is a big state, and the Medicare landscape varies by county. We know the carrier footprints, the provider networks, and the plan options that are actually available where you live, whether that’s Putnam County or Shelby County.
If you’re nearby, come see us. If you’re not, call us. The advice doesn’t change.