Medicare,
Life Insurance
& Annuities
Cookeville, TN

Scotty Lewis is a Cookeville-based independent insurance agent serving clients across all 95 Tennessee counties. He holds two credentials that most agents in Tennessee don’t: Registered Social Security Analyst (RSSA) and Certified Senior Advisor (CSA). That combination means one conversation can cover your Medicare options, your Social Security filing strategy, your life insurance, and your retirement income plan. No referrals to other offices. No starting over with someone who doesn’t know your situation.

The Upper Cumberland region is where Scotty built his practice — Cookeville, Crossville, Sparta, Livingston, and the counties surrounding them. But phone and video consultations mean clients from Memphis to Mountain City get the same service. If you’re a Tennessee senior sorting out Medicare or retirement coverage, this office can help.

Upper Cumberland Life & Health works with numerous highly rated carriers, so the plan recommendations you get are based on your needs and your budget. There’s no cost to you for this service.

Services We Offer

We work with Tennessee seniors and families across a full range of insurance and planning products. Each service page goes deeper, but here’s what we cover:

• Medicare Plans — Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans. If you’re turning 65 or switching plans, we’ll walk through your options side by side.
• Life Insurance — Term, whole life, final expense, and indexed universal life. We match coverage to your income replacement needs and your family’s situation.
• Annuities — Fixed and fixed-indexed annuities for guaranteed retirement income. We explain exactly how they work, including surrender periods and fees, before you sign anything.
• Social Security Planning — As a Registered Social Security Analyst, Scotty runs the breakeven math on filing ages, reviews spousal and survivor benefit options, and coordinates your Social Security timing with your Medicare enrollment.
• Dental, Vision & Ancillary Plans — Stand-alone dental and vision coverage, hospital indemnity, and cancer/critical illness plans to fill gaps that Medicare doesn’t cover.

Why Choose Upper Cumberland Life & Health

There are a lot of insurance agents in Tennessee. Here’s what sets this practice apart.

• The RSSA credential is rare. Scotty is one of a small number of agents in Tennessee who holds the Registered Social Security Analyst designation. That credential requires formal coursework in Social Security rules, filing strategies, and benefit optimization. You won’t find it at most insurance agencies, and it changes the quality of the conversation. Filing at 62 versus 67 versus 70 produces very different lifetime totals. Spousal and survivor benefits add another layer of complexity. Those decisions are worth getting right the first time.
• Independent means unbiased. We’re not captive to any single carrier. We can quote Medicare Advantage plans, Medicare Supplement plans, and Part D drug plans from multiple companies and show you the comparison in plain language. You pick the one that fits. We don’t push a preferred product. We don’t have a quota to hit for a specific insurance company.
• Local, but statewide. The office is in Cookeville, Tennessee, at the heart of the Upper Cumberland region. We make house calls for clients who prefer it. And we serve clients in all 95 Tennessee counties, in person, by phone or Zoom.
• No cost to you. Our compensation comes from the carriers, not from your pocket. The consultation, the plan comparison, the enrollment help — all of it is free to you. That’s how independent Medicare brokers work.

Who We Serve

Most of our clients are in one of four situations:

• Turning 65 and starting Medicare. The enrollment windows are strict and the penalties for missing them are permanent. Part B late enrollment penalties follow you for life. We walk through your options, confirm your enrollment window, and make sure the paperwork is submitted correctly and on time.
• Already on Medicare and reviewing coverage. Plan benefits change every year. Annual Enrollment Period (October 15 through December 7) is the time to compare what you have against what’s available. Premiums, formularies, and network doctors all shift. A plan that was right last year may not be the best fit now.
• Planning retirement income. Clients who want to coordinate when to claim Social Security, how to fund retirement with an annuity, and how to keep Medicare premiums from jumping due to IRMAA surcharges. These three decisions affect each other, and we cover all three.
• Families managing coverage for a senior parent. We work with adult children who are helping a parent navigate Medicare, final expense insurance, or long-term care planning. That often means a three-way call or a home visit. We make it work.

We serve clients in Nashville, Knoxville, Memphis, Chattanooga, and everywhere in between, including rural counties across Middle and East Tennessee where options can be limited and guidance is hard to find.

Frequently Asked Questions