We shop multiple carriers, rank your options by value, and walk you through every option. Local Tennessee expertise — and no cost to you for our brokerage services.
Less than 2 minutes. No obligation, no cost.
As someone who's helped operate family businesses, we understand what it actually takes to run a team — and what you need from your benefits broker.
We know Tennessee's market, the carriers, the networks, and what works for businesses like yours. No out-of-state call centers, no generic advice.
We've managed payroll, dealt with HR headaches, and know budget realities. We speak your language and help you understand every option.
We shop multiple carriers and present all your options clearly — ranked by value, cost, and employee impact. You make the call; we do the legwork.
Once we have the details we need, we'll come back with real quotes fast. No weeks of waiting, no unreturned calls.
Whether you have 3 employees or 300, we find plans that fit your budget and actually attract — and keep — good people.
We're here at renewal, when claims arise, when you add employees. Our relationship doesn't end when you sign.
From core medical coverage to supplemental perks — we help you build a benefits package that competes, without breaking the bank.
Major medical plans for your team — HMO, PPO, HDHP. We compare carriers and help you structure employer/employee cost splits that work.
Standalone or bundled dental and vision plans. Often the most appreciated benefits by employees and very affordable for employers.
Life, disability, accident, critical illness, and hospital indemnity. Voluntary options your employees can opt into at group rates.
Tax-advantaged accounts that stretch employee dollars further. We help you set up and explain these to your team.
Pre-tax benefit structures that save both employer and employee money on payroll taxes. Often overlooked — always valuable.
Individual Coverage HRAs let you reimburse employees tax-free for their own individual health plans. A flexible alternative to traditional group coverage — we'll help you design and administer one.
Beyond fully insured — level-funded plans for healthier groups looking to capture year-end savings, and group captives for established employers ready to share risk and control long-term costs.
We re-shop your coverage every year at renewal — no auto-renewals without review. If we can save you money, we will.
Young's Insurance was founded on a simple belief: small businesses deserve the same quality benefits guidance that large corporations get — without having to figure it all out alone.
With over 5 years in the insurance industry and a background helping operate family-owned businesses, we bring a perspective most brokers simply don't have. We've managed payroll. We've dealt with HR. We know your challenges aren't abstract — they're real, and they're weekly.
We're licensed in Tennessee and focused exclusively on group benefits for small and mid-sized employers across the state.
Licensed in TN and serving small businesses from East, Middle, and West Tennessee — every region, every county.
Don't see your town? We serve small businesses everywhere in Tennessee. Request a quote to get started.
Fill out a quick info request below and we'll reach out within one business day to talk through your needs.
Straight answers to the things small business owners actually want to know about group benefits.
No pressure, no confusing jargon. Just honest guidance from someone who understands small business. Our brokerage services cost you nothing.