Scotty Lewis, CSA, RSSA, AMDA
Founder of Upper Cumberland Life & Health

Scotty Lewis is the founder of Upper Cumberland Life & Health in Cookeville, Tennessee. He has spent 18 years in the insurance and investment field, helping Tennesseans who are approaching or in retirement sort out Medicare, life insurance, annuities, and Social Security timing. He holds three credentials, and that combination means one conversation can cover your Medicare options, your Social Security filing strategy, your life insurance, and your retirement income plan.

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What Scotty Does

Scotty works one-on-one with Tennesseans on the decisions that tend to arrive together around age 62 to 67: when to claim Social Security, which Medicare coverage to choose, how to cover final expenses, and how to turn savings into income that lasts. Scotty is set up to handle all of them in the same meeting.

• Medicare: comparing Medicare Advantage, Medicare Supplement, and Part D plans from the carriers we represent.
• Social Security: modeling claiming ages, breakeven points, and spousal and survivor benefits.
• Life insurance: term and whole life coverage to protect your family.
• Final expense insurance: burial coverage that pays funeral costs and final bills.
• Annuities: guaranteed income for retirement.

Scotty’s Credentials, in Plain English

Certified Senior Advisor (CSA)

The CSA designation recognizes training in the health, financial, and social issues that affect older adults. Fewer than 15,000 professionals hold it nationwide. For clients, that means Scotty is trained to look at the whole situation, not just the insurance product.

Registered Social Security Analyst (RSSA)

The RSSA is a planning credential focused on Social Security benefits law and claiming strategy, and relatively few advisors in Tennessee hold it. Scotty can model when to claim, what each choice means over a lifetime, and how spouses can coordinate. You can see his listing in the RSSA directory.

American Medicare Disability Advocate (AMDA)

The AMDA designation covers Medicare and insurance for people with disabilities, including those who qualify for Medicare before age 65 because of a disability or chronic condition. If you or a family member is in that situation, tell Scotty up front and he’ll start there.

How Scotty Works With You

Consultations are free, and there’s no obligation to buy anything. Scotty and the team are paid by the insurance carriers, not by you. We’re an independent agency, so we compare plans from the carriers we represent instead of selling for one company.

You can meet in person at our Cookeville office, 1435 S Jefferson Ave, Suite D, or by phone or video from anywhere in Tennessee. We serve all 95 counties. If you’re in Cookeville, see our page for Medicare help in Cookeville.

Licensing

Scotty is a licensed Tennessee insurance agent: Tennessee license #981473, National Producer Number (NPN) #9722488. You can verify any Tennessee agent’s license with the Tennessee Department of Commerce & Insurance.

Beyond the Office

Scotty lives in Sparta, Tennessee, with his wife, two children, and three pets, two of them rescues. He says he can’t think of any other career he’d rather have than working with and advising senior citizens.

Questions About Working With Scotty

Meet the rest of the team on our About Us page.