Life/Health/Disability Insurance from Barnes Insurance Agency

Barnes Insurance Agency, in addition to providing insurance programs for your property (auto, home, etc.), also offers a portfolio of products to help protect your family. We provide a number of different products for individual Life, Health and Disability insurance.

Life insurance.

Life insurance is an integral component in helping protect a family’s financial security. It’s critical in the event of your death to help mitigate financial hardships for your survivor(s) – and an excellent tool for estate planning and wealth perpetuation. We offer several Life insurance options:

Term Life insurance: Ideal for people with a specific insurance need for a defined period of time. For example, you’re a young couple with kids and, although you are doing well, you haven’t yet saved a sufficient nest egg to support your dependents in the event of premature death. Term insurance will pay the face amount on the policy to your named beneficiary. The amount of coverage can include living expenses for survivors; the lump sum amount necessary to fund future educational expenses; and/or money to provide for the future retirement needs of the surviving spouse. Premiums for Term policies are often reasonable for those in good health up to about age 50.

Whole Life or Permanent Insurance: This combines a Term policy with an investment component and is available in three ways: traditional Whole Life, Universal and Variable Universal. Whole Life insurance relies on insurance company dividends as the source of accumulation inside the policy. These policies are often used to assist beneficiaries to fund a business buyout or pay estate or capital gains taxes on inheritance so properties can be kept in a family. Universal and Variable Universal Life holders invest by using sub-accounts, which are like mutual funds, inside the policy.

Permanent Life insurance earnings grow on a tax-deferred basis, and you may borrow against your cash value. Some permit you to change premium payments based on the accumulation of value in the policy, and some permit you to alter the death benefit during the course of the policy period.

Health insurance.

The Health insurance landscape has become evermore complex with healthcare reform legislation. Individuals need guidance in finding the right option for themselves and their families, especially when not insured through an employer. The staff at Barnes Insurance Agency can help navigate you through your health insurance options, explaining what’s available to you and what type of policy will best serve you and your family’s needs. We understand that finding the right balance of price and benefits is important to you and will work with you to find a sound solution.

Disability insurance.

Disability Income protection insurance is an excellent way to safeguard against the financial calamity that so often results from a disabling injury or illness. Even temporary or short-term disabilities can be devastating, leading to massive debt and even bankruptcy. We can tailor an individual Disability insurance policy specific to your needs. Disability insurance payments can be used for any expenses you decide to apply them to: to support your spouse while you are convalescing, to pay for home healthcare that medical insurance doesn’t cover, or to fund your business so your absence doesn’t drag the company or practice down, for instance. Additionally, if you are in a certain profession, you can adjust the policy to respond to particular issues you might have regarding your occupation. For example, if you are a doctor and are rendered unable to work in your specific field but can still work in a lower-paying job, you may be eligible to receive compensation from the insurer to make up for the difference in pay.

Look to Barnes Insurance Agency to help protect you and your family.

Barnes Insurance Agency serves the communities of Sevierville, Pigeon Forge, Gatlinburg, Knoxville, Maryville, Alcoa, Nashville, Chattanooga, Kingsport, and Johnson City. We will provide you with the personalized attention you need for managing your assets and securing products that accommodate your lifestyle today and into the future. Contact us toll-free at 877-279-2500; you can also email us at

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