Local Expertise Every Step of the Way.

Serving the Upper Cumberland Region for your Senior Insurance Needs. Centrally located in Cookeville, Tennessee.

+
Years Experience

Get 5-star Coverage Recommendations Tailored to Your Needs.

When you make decisions this important, you want to be able to rely on someone you trust. We’ll be here today and for the life of your retirement. As you enter and navigate retirement, Upper Cumberland Life & Health will be by your side, every step of the way, helping to protect your financial security. 

Our insurance agents & Certified Senior Advisors enjoy developing relationships with customer and delivering old-fashioned service with a personal touch. In fact, we still make house calls.

Through a simple, interactive discussion, our agents gather information about four factors: retirement income, Medicare plans, annuities, and final expenses. With your help, we’ll build a plan that helps provide security and peace of mind-so you can take in all the joys of retirement!

Work in the Present, Think for the Future.
What we're offering

Our Services

Medicare

Information about Medicare Choices.

Life Insurance

Here's a breakdown of term-life, whole life, & accident-only life insurance.

Final Expense Insurance

Generate Your Free Final Expense Quote Online Today!

Registered Social Security Analyst

RSSA’s are an elite group of advisors trained to help you maximize your Social Security benefits.

Ancillary Products

When planning for healthcare expenses, it’s crucial to understand the different types of supplementary insurance policies available.

Annuities

Investment solutions with your future in mind.

UCLH Insurance

Free Final Expense Quote Generator

Testimonial

Read Our Recent Success Stories!

Upper Cumberland Life & Health place picture
5.0
Based on 18 reviews
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007 profile picture007
21:52 20 Nov 25
My wife and I have found Scottie Lewis to be extremely helpful in choosing the best medical insurance to fit our needs for the last several years. I would recommend UCLH to anyone. Thanks Scottie. Dawn and Lloyd
Steve Lewis profile pictureSteve Lewis
16:51 18 Nov 25
Very nice and knowledgeable, great experience
Marlene Johns profile pictureMarlene Johns
17:51 17 Nov 25
bassmarc1 profile picturebassmarc1
02:58 09 Nov 25
Ann Szegedi profile pictureAnn Szegedi
19:01 05 Nov 25
Kim Northcutt profile pictureKim Northcutt
18:10 03 Nov 25
Scotty Lewis has helped me make the best choices when it comes to my insurance needs. He listens and takes time to explain my options. His wife/assistant is also wonderful and caring! Been with him for years. So easy to work with.
Titan Pop profile pictureTitan Pop
03:43 03 Nov 25
Great experience. You walk through the door and feel like your in a home. Very professional and thorough. If you want to save money on your medicare advantage plan, like I did, Scotty is the professional you need to see.
He will show you every option you may have, suited for your needs and available in your location.
He is now my agent of choice.
Thank you Scotty for taking the time needed and the professional service required.
John
Mary Jackson profile pictureMary Jackson
19:16 31 Oct 25
joseph sutherland profile picturejoseph sutherland
23:34 30 Oct 25
G H profile pictureG H
23:24 30 Oct 25
Scotty is always knowledgeable and very pleasant to do business with. I’m grateful to have a great agent with my best interests a priority.
Randy Sampson profile pictureRandy Sampson
19:51 30 Oct 25
Sherry Sampson profile pictureSherry Sampson
18:49 30 Oct 25
Scotty is a excellent Medicare specialist. He takes the time to go over your options and this allows to make the most informed choice. No rushing, no talking down just information .
Karen Clark profile pictureKaren Clark
17:31 29 Oct 25
Scotty well help you any way he can with insurance. He will help you pick the insurance you need . Very friendly and knowledgeable. Thank you Scotty I appreciate all you do .
Patsy Dunn profile picturePatsy Dunn
23:17 27 Oct 25
Scotty is very helpful as always.