Life Insurance & Financial Protection Built for Tennessee.
Term Life Insurance
Whole Life Insurance
Final Expense Insurance
Mortgage Protection
Fixed Annuities
Explore Your Life Insurance Options
If something happened to you tomorrow, would your family be financially secure? At Queener Insurance, we help Tennessee families protect their futures with life insurance solutions designed to provide peace of mind during life’s hardest moments. From term and whole life to final expense and mortgage protection, we offer personalized policies to meet you where you are—whether you're just starting a family or planning for retirement.
Why Life Insurance Matters
Life insurance isn’t just about a payout—it’s about protection, security, and dignity.
The right policy can:
- Replace income so your family can continue their lifestyle
- Pay off debts like credit cards, student loans, or a mortgage
- Cover funeral and burial expenses
- Fund your children’s education
- Provide continuity for a family business
- Leave a financial legacy for the next generation
In communities like Morristown, Jefferson City, and across Tennessee, we’ve seen how a well-timed policy can keep a family in their home and on track after the loss of a loved one. That’s why we do what we do.
Tailored Protection for Every Stage of Life
As an independent life insurance agent, we have access to a wide range of carriers—meaning you’re not stuck with one company’s rates or requirements. We work with trusted providers to find:
- Affordable term policies for growing families
- Permanent life insurance for long-term protection and wealth building
- Quick-issue no-exam coverage when you need something fast
- Specialized policies for those with health concerns or unique needs
We’ll help you determine how much coverage you need and which type fits best—whether it’s to protect your mortgage, cover final expenses, or create a financial safety net for your spouse and kids.
We Make Life Insurance Simple
Life insurance can feel complicated—but it doesn’t have to be. We break down the options in plain language, walk you through the application (including medical exams if needed), and ensure you’re never left guessing. If you’re young and healthy, locking in low rates now can save you thousands over time. If you’re older or have medical concerns, we’ll still work to find solutions that offer peace of mind without financial strain.
Let’s Talk About Your Life Insurance Plan
Life insurance is deeply personal, and there’s no one-size-fits-all solution. That’s why we offer free consultations—no pressure, no obligation. Whether you’re looking for a quick quote or want to explore several options, we’ll guide you through it. We can provide instant online quotes from select carriers or walk through a full needs-based review with you in person or by phone.
What’s the difference between term and whole life insurance?
Term life insurance provides coverage for a set number of years—usually 10, 20, or 30—and is often more affordable. It’s ideal for covering temporary needs like income during your working years or a mortgage. Whole life, on the other hand, lasts your entire life and builds cash value. It’s more expensive but can serve as a long-term financial tool. Many families carry term life for affordability and add a smaller whole life policy for lifelong protection.
How much life insurance do I need?
That depends on your situation. A general rule is 5–10 times your annual income, but we prefer a needs-based approach. Consider your mortgage, debts, children’s education, and how many years your family might need support. We’ll walk through all of this during a consultation to arrive at the right number for your goals and budget.
I already have life insurance through my employer. Do I need more?
Employer-provided life insurance is a great perk, but it’s often limited to 1–2 times your salary and might not be enough for your family’s long-term needs. Plus, you lose it if you leave your job. That’s why we recommend supplementing with your own individual policy that stays with you no matter what.
Can I get life insurance if I’ve had health issues?
In many cases, yes. Some carriers are more flexible than others when it comes to conditions like high blood pressure, diabetes, or past surgeries. We also offer final expense and no-medical-exam options that are more lenient. Don’t assume you’re uninsurable—let us help you explore what’s available.
What is mortgage protection life insurance?
This is a term life insurance policy designed to cover your mortgage balance if something happens to you. Unlike PMI from a lender, this type of policy pays your family directly so they can keep the home. It’s a smart way to make sure your loved ones aren’t burdened by housing costs during a difficult time.
