Your Local Partner in Life & Health Coverage

At our core, we’re a local, family-focused life and health insurance agency dedicated to serving the people and businesses of the Greater Chattanooga area—with the kind of personal care and attention you simply won’t get from a 1-800 number. We're proud to call this community home, and we’re actively involved in it every day.

Rooted in Community, Committed to You

We understand that insurance isn’t just about policies—it’s about people. That’s why we take the time to listen, understand your needs, and provide thoughtful, customized solutions for individuals, families, and business owners alike. With experience on both sides of the table, we know what matters to employers and employees and how to support each with clarity and compassion.

Though our roots are local, we’re licensed to serve clients across Tennessee, Kentucky, Georgia, South Carolina, Ohio, Pennsylvania, Colorado, Missouri, Arkansas, and Alabama—offering a wide range of trusted insurance and retirement products to fit real lives.

As a small business ourselves, we value relationships, problem-solving, and above all, great service. Whether you’re looking to protect your family, plan for retirement, or provide coverage for your team.

Our Team

A young woman with long, blonde and pink-dyed hair taking a selfie inside a car, wearing a pink shirt.

Charmin Muñoz

Black and white close-up of a man wearing a flat cap, looking at the camera with a slight smile.

Nicholas Shepherd

Smiling bald man with a goatee, wearing a suit and a patterned tie, in a circular frame

Kevin Cornwell

A joyful child wearing a yellow helmet and striped shirt learns to ride a bicycle with the help of an adult in a park with trees and sunlight.