Tailored protection plans to support your peace of mind.
Safeguard your future with insurance designed to protect you and your loved ones through every stage of life. Whether you’re preparing for the unexpected, our coverage options help provide financial stability when it matters most.
Cover your bases with flexible insurance options.
First Horizon Advisors helps you prepare for what’s ahead. Our team of professionals constructs a tailored plan to help you protect your loved ones, your income and your long-term health needs, with a comprehensive insurance strategy designed to support your financial well-being through life’s uncertainties.
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Life Insurance
The First Horizon Advisors team helps you protect you and your loved ones through a variety of life insurance options, including term life, whole life, variable universal life and whole life insurance. Let our experienced team of professionals find the right policy for you.
Disability Income Insurance
In case of illness or injury not covered by Social Security or Workers' Compensation, disability income insurance can provide the funds necessary to help cover your basic monthly bills and essentials. Contact First Horizon Advisors to review your options.
Long-Term Care Insurance
Long-term care insurance is a smart way to help safeguard your savings and other assets that could be depleted by the rising cost of long-term care. Let the First Horizon Advisors team help you set up the right policy, one designed to assist you with common medical and personal services when you need them most.
Have a question?
See our most frequently asked questions on insurance.
Life insurance provides a payout to your beneficiaries when you pass away.
Disability insurance replaces part of your income if you’re unable to work due to illness or injury.
Long-term care insurance helps cover the cost of care services if you need assistance with daily living activities due to aging or chronic illness.
Insurance options are tailored to meet your particular needs. Many people benefit from layering these types of coverage to protect against different types of risk – death, loss of income, and extended care needs.
Costs vary based on several factors including coverage amount. We provide personalized quotes and policy recommendations to fit your needs and budget.
Depending on the policy you purchase, it may cover home care, assisted living, adult daycare or skilled nursing facility care – services not covered by most health insurance plans or Medicare.
Yes. Working with First Horizon Advisors allows you to integrate coverage into your broader financial plan and get guidance from professionals who understand your full financial picture.
No. While it’s essential for those in physically demanding careers, disability insurance is just as important for office workers and professionals. Illness, accidents, or chronic conditions can impact anyone’s ability to earn a paycheck.
It’s wise to start considering long-term care insurance in your 50s or early 60s, when premiums are lower and you’re more likely to qualify for coverage. Waiting too long could mean higher costs or denial due to health conditions.
Short-term disability insurance typically covers you for a few weeks or months, while long-term disability insurance provides benefits for several years or until retirement, depending on the policy. Many people choose to carry both.
Have a question about life insurance?
Review our most frequently asked questions.
Life insurance is an important part of financial planning and plays a valuable role during various stages of life. Some examples are:
To provide funds to pay off a mortgage and other debts
To provide funds that survivors can access to replace lost income resulting from the death of the breadwinner
To provide funds for funeral expenses and other final expenses (any hospital or doctor bills that may not be covered by health insurance)
To provide an education fund for children or to further the education of the surviving spouse or other adult beneficiary
To provide funds for special needs children
Life insurance plays a key role in business financial planning. Life insurance may provide funds for businesses to:
Pay off business loans upon the death of the insured
Provide funds to recruit and train new management
Provide funds to hire consultants to replace lost talent
Purchase the deceased partner's interest from his/her family
Provide a vehicle for key employees to defer income on a tax-advantaged basis
To help answer this question, you should assemble personal financial information and determine the amount your family will need to support them financially at your death. In addition to these first steps, there are a number of factors to consider when determining how much life insurance you need. These include:
Any immediate needs at your death (funeral expenses, estate taxes, final illness expenses)
Family needs
Daycare costs, college tuition
Funds to pay off debt
In most situations, the best way to help you evaluate your situation is through a consultation with a licensed agent.
Your agent/advisor should:
Assist you in determining your insurance needs
Explain various types of insurance policies and insurance-related matters
Review your insurance periodically
Recommend new and innovative products when suitable
Be upfront. Let your agent know what you expect. If he/she is not a good listener, you should consider another agent.
When you apply for insurance, many factors will determine whether a medical exam is required, including the amount of life insurance for which you are applying, your age and the health information you provide on your application. The insurance company is responsible for expenses involved in requiring medical exams or obtaining medical records.
If your spouse contributes to your family's income, it may be important to protect his or her life with insurance. The loss of the second income could result in immediate economic hardship for your family, a change in your standard of living and a change of plans for your future.
Even if the spouse is a homemaker, he or she provides valuable services. If your spouse were to die, you would have to hire someone to do the housework and/or take care of your children. You would have to spend hundreds, perhaps even thousands, of dollars each and every month to replace the services your spouse provides.
After your policy has been issued, and provided you continue to pay your insurance premiums, the insurance company cannot cancel your policy regardless of your health assuming you did not misrepresent any information provided on the application. You, however, may voluntarily elect to cancel your policy at any time.
In general, life insurance death proceeds are not included in the beneficiary's gross income for federal income tax purposes. For example: If you were insured for $100,000 and you died, the entire $100,000 would be received income tax-free by the named beneficiary (e.g., your spouse) assuming there were no outstanding loans. (Loans are usually not available on term insurance.)
Unless there is an irrevocable provision that states the beneficiary cannot be changed, the policy owner may change the beneficiary.
Many factors are considered to determine your insurance premium. These may include age, sex, whether or not you use tobacco, medical history, hobbies and occupation. During the underwriting process, any of the information provided could affect the premium required for the policy.
The First Horizon Advisors team approaches your insurance needs from a consultative standpoint, providing sound advice focused in your interest. Our advisors will give you flexible options and choices from a broad array of insurance products. Request your personalized life insurance quote today.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Horizon Bank and First Horizon Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Horizon Advisors and may also be employees of First Horizon Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Horizon Bank or First Horizon Advisors. Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or Any Other Government Agency
Not Bank Guaranteed
Not Bank Deposits or Obligations
May Lose Value
The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
"First Horizon Advisors" is the brand name used by certain employees of First Horizon Bank who provide securities, advisory and insurance products and services offered through LPL Financial (LPL) and/or its licensed affiliates.
First Horizon Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
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Banking products and services provided by First Horizon Bank. Member FDIC. Equal Housing Lender. NMLS #472329.
Financial planning and trust services, including investment management services, provided by First Horizon Bank. First Horizon Wealth Management is the marketing name for wealth-related services available to First Horizon clients.