Frequently Asked Questions

Simply click on one of the commonly asked questions below to view the answer.

Which companies do you represent?

We only work with the top-rated companies in the industry and have enjoyed many long-term relationships with the home offices that have helped us better serve our clients. For a detailed list, please contact us directly and it will be our pleasure to provide you with a detailed list.

How much life insurance do I need?

There are many opinions and systems used to account for the correct amount of life insurance someone may need for a particular situation. Life insurance is not a one size fits all product and there are several factors to consider. We will explain how life insurance can be structured to your individual needs and at no charge we will review your needs and provide you with several solutions for you to consider. Contact us today for a no obligation quote.

Is life insurance the only service you offer?

No, while we do specialize in life insurance, we also offer disability, long-term care, and critical illness policies. We have many helpful and qualified associates to whom we can refer you for your health, car, homeowner's and investments.

How do I purchase a policy?

The best advice we can give is for you to contact us today so that a licensed agent can help you with your purchase.

What are the available payment options?

You have the option to pay annually, semi-annually, quarterly, or monthly. There is a slight discount for paying annually, which varies by company. Also with certain types of plans you have the ability to pay for coverage in 7, 10, 15, or 20 years which will guarantee coverage for a lifetime.

Is the medical exam required?

That depends on three variables: the plan selected, amount of coverage requested, and your age. Each company has different requirements depending on those variations. If an exam is required it is at the companies expense and we will discuss with you the requirements for each plan before applying for the coverage.

Where are you located?

Our office is located in Franklin, Tennessee off Cool Springs Blvd.

Carlton Financial Group
106 Mission Ct
#701
Franklin, Tennessee 37067

Do you only work in Tennessee?

No, we have the ability to work on a nationwide basis.

Why can I not find an on-line quote?

We believe that buying life insurance is an extremely important decision and a long-term commitment that should involve an experienced agent who is capable of guiding you through the many different options available. There is no such thing as a one-size-fits-all policy, so we take time to carefully illustrate your options, using plain English, not confusing industry jargon.

In the amount of time it takes to find an online quote, we can provide you with several different options—and our quotes are completely free. The truth is that whether you buy online or from an agent, you are paying the same price, so there is no additional cost to have their advice. Also, life insurance is not a stand-alone product; it should coordinate with other financial areas, such as trust, wills, tax considerations, and much more.