Life coverage guide · Middle Tennessee
How Much Life Insurance Do I Need?
There’s no single right amount. This guide walks through what to count.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
The right amount of life insurance depends on who relies on your income and what they’d need: paying debts, replacing income for some years and future goals like college. Many people also look at existing coverage through work.
Coverage
Sizing your life insurance, step by step
Work through these for your life insurance. Rough answers are fine to start.
-
1. Debts
Mortgage, car loans and other debts.
-
2. Income replacement
How many years would your family need support?
-
3. Future goals
College and other big plans.
-
4. Final expenses
Funeral and settling the estate.
-
5. Existing coverage
Work coverage may not follow you if you leave.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to gather before you call about life insurance
Having these nearby makes a life insurance review quicker.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Your income
- Debts and mortgage balance
- Who depends on you
- Any coverage through work
Around Middle Tennessee
What people often miss with life insurance
Term and permanent life insurance work very differently. Ask us to explain both.
Coverage through work often ends when the job does.
A common starting point is to list what your family would need to pay off and how long they’d need your income replaced, then subtract savings and existing coverage. The gap is what people usually look at insuring.
Sources: NAIC: life insurance consumer guide
Medical questions
Life insurance usually involves health questions and sometimes an exam. Approval depends on underwriting.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Life Coverage Guide FAQs
Updated
How much life insurance do most people need?
It varies. We’d rather go over your situation than give one number.
What is term life?
Coverage for a set period.
What is permanent life?
Coverage meant to last your lifetime, often with a cash value component.
Is coverage through work enough?
It may not be, and it may end if you leave.
Do I need a medical exam?
Sometimes.
Does a stay-at-home parent need coverage?
Many families consider it.
Can I change my coverage later?
Sometimes. Ask us.
How do I start?
Call 615-562-5100.
Should both spouses have coverage?
Many couples consider it, especially with children or a mortgage.
Can I name a trust as a beneficiary?
Often, yes. Your attorney can advise on that part.
Questions about your life insurance?
Tell us a little about your situation and we’ll follow up about your life insurance, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about life coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed