What we're offering
Our Insurance Services
Upper Cumberland Life & Health is an independent insurance agency in Cookeville, Tennessee. We help Tennesseans with Medicare, life insurance, final expense coverage, annuities, ancillary plans and Social Security timing. Our guidance is free, and we serve all 95 counties by phone or video, and in person from our Cookeville office.
Medicare
Original Medicare, Medicare Advantage, Medicare Supplement (Medigap) and Part D plans. We compare what's available in your ZIP code and check your coverage again every year.
Life Insurance
Term and whole life insurance that can replace income, pay off a mortgage, or leave something for your family. We help you decide how much coverage makes sense.
Final Expense Insurance
A smaller whole life policy that helps your family cover funeral costs and final bills. We walk through how it works and what it costs before you decide.
Registered Social Security Analyst
Scotty is a Registered Social Security Analyst (RSSA). He helps you decide when to claim Social Security and how that fits with the rest of your retirement plan.
Ancillary Products
Dental, vision and hospital indemnity plans that help with costs Medicare and other health coverage leave open.
Annuities
Annuities are insurance contracts that can turn savings into steady income in retirement. We explain the main types and what they cost, so you can decide if one fits.
- Free, independent guidance from a Cookeville agency.
How we work with you
We start with a free conversation
Call or send a message. We ask about your doctors, prescriptions, budget and goals, with no obligation.
We compare what’s available
We’re independent, so we aren’t tied to one company. We look at plans from the carriers we represent that fit what you told us.
You decide, and we handle the paperwork
We explain the tradeoffs in plain language and help you enroll in the one you choose.
We check in every year
Plans and needs change. Each fall, and whenever life changes, we review your coverage again at no cost.
Who we help
Many of our clients are turning 65 and sorting out Medicare for the first time. Others are retiring, helping a parent, planning how to pay for final expenses, or deciding how to turn savings into income. If you’re not sure which fits, that’s a good reason to call.
Frequently Asked Questions
What types of insurance do you offer?
We help with Medicare plans (Medicare Advantage, Medicare Supplement and Part D), life insurance, final expense insurance, annuities, and ancillary plans such as dental, vision and hospital indemnity. Scotty is also a Registered Social Security Analyst. We don’t sell auto, home or business insurance.
What does it cost to work with you?
Our guidance and consultations are free. The insurance companies pay us when someone enrolls in a plan or buys a policy.
How do I get started?
Call 931.316.1182 or use our contact page. We’ll set up a time by phone, video, or in person in Cookeville or Crossville, and tell you what to have on hand.
Do you serve my county?
Yes. We work with clients in all 95 Tennessee counties by phone or video.
How often should I review my coverage?
Review Medicare coverage every year during the Annual Enrollment Period, October 15 to December 7, because plans change. Review life insurance whenever something big changes, such as retirement, a marriage, a new grandchild or a change in your finances.
Do you offer every Medicare plan?
No. We do not offer every plan available in your area. Currently we represent 12 organizations which offer 70 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Serving all of Tennessee
Our office is at 1435 S Jefferson Ave, Suite D, in Cookeville. We meet in person in Cookeville and Crossville, and we work by phone or video with clients in all 95 Tennessee counties. Start with the page for your area: Cookeville, Crossville, Nashville, Knoxville, Memphis or Chattanooga, or see everywhere we serve. Call 931.316.1182 or send us a message.
Scotty Lewis is an independent agent licensed across all 95 Tennessee counties. He holds the Certified Senior Advisor (CSA) and Registered Social Security Analyst (RSSA) credentials. No carrier ties. No upsell pressure. We find coverage that fits your health and goals, then explain the tradeoffs clearly.
Call 931-316-1182 for a free consultation, or use the button below. No cost, no obligation.
Schedule a Free Consultation