We make it easy to protect your future — no pressure, just real guidance. · (931) 367-6502
Home Products About
Contact Call Now
Call Brandon
●LICENSED INDEPENDENT BROKER

The people you love,
protected for life.

Affordable, honest coverage from a real broker — not a call center. Get protected for as little as $1 a day.

Free quote. Compare top-rated carriers. No pressure.

Licensed19 States
Families served500+
Starting at$1 / day*

*$1 is based on qualifications pending health review and approval.

19
States Licensed
AZ, AL, CT, CO, FL, IA, ID, IN, KY, MI, MO, NC, ND, NM, OH, OR, SC, TN, TX
A+
Carrier Partners
Top-rated, financially sound
0
High-Pressure Sales
Guidance-first, always
24h
Response Time
Real human, real fast
●COVERAGE TYPES

Six ways to protect what you've built.

Not every family needs the same plan. We'll walk through each option and help you pick what actually fits your life.

01 / COVERAGE

Whole Life

Lifelong coverage with guaranteed cash value growth. A steady foundation that builds wealth while it protects your family.

Learn more
02 / COVERAGE

Term Life

Maximum coverage for the years it matters most — raising kids, paying off a mortgage. Affordable and straightforward.

Learn more
03 / COVERAGE

Indexed Universal Life

Flexible permanent coverage linked to market indexes, with downside protection. Grow cash value without the downside risk of direct investing.

Learn more
04 / COVERAGE

Infinite Banking

Use a high-cash-value whole life policy as your own personal banking system. Borrow against yourself — and keep the interest.

Learn more
05 / COVERAGE

Final Expense

Simple whole life coverage designed for seniors. Protect your loved ones from funeral and end-of-life costs — no medical exam required.

Learn more
06 / COVERAGE

Annuities & Retirement

Turn savings into guaranteed income you can't outlive. Retirement planning with predictable, protected growth.

Learn more
MidTenn Life agent portrait
●WHY MIDTENN LIFE

Straightforward coverage from a neighbor, not a call center.

I started MidTenn Life because buying life insurance shouldn't feel like being sold a timeshare.

As an independent agent, I work for you — not one carrier. That means I shop 40+ A-rated companies to find the plan that actually fits your family's budget, goals, and stage of life. No scripts. No pressure. Just a clear look at what's possible.

Whether you need a term policy to cover the mortgage, or you're building a multi-generational wealth strategy with IUL and infinite banking, my job is the same: explain it plainly, let you decide, and be here when you need me later.

— Brandon Seiber
FOUNDER · MIDTENN LIFE
●OUR CARRIERS

40+ A-rated companies. Shopped for you.

As an independent broker, I compare top-rated carriers side-by-side so you get the right coverage at the right price — never locked to one company.

Our carriers can be seen in…
Yahoo News Forbes Google BBB — Start With Trust
●HOW IT WORKS

Four simple steps. No surprises.

STEP 01

Book a call

Pick a time that works. 15–30 minutes, free, no obligation.

STEP 02

Tell me about your life

Family, income, goals. I listen first and explain what actually fits.

STEP 03

Review real options

I shop top-rated carriers and show you side-by-side. You pick.

STEP 04

Get covered

Most policies have same day approval. I'm here for the long haul — policy reviews, questions, beneficiary changes.

●CLIENT STORIES

What families tell me after we work together.

Every other agent made me feel like I was being sold something. This was the first time someone actually explained what I was buying and why.

The Reynolds Family
Murfreesboro, TN
★★★★★

We thought term was all we needed. Turned out an IUL made way more sense for our goals — and we wouldn't have known without this conversation.

Marcus & Dana
Nashville, TN
★★★★★

Got my family covered for less than I spend on coffee each month. Fast, friendly, no nonsense. Exactly how it should be.

Jamie L.
Bowling Green, KY
★★★★★

I'd been putting it off for years. He made it simple, walked me through every option, and didn't try to push me into anything I didn't need.

The Whitlow Family
Charlotte, NC
★★★★★

After my husband passed, I learned the hard way how important the right policy is. I make sure everyone I know talks to him now.

Linda H.
Des Moines, IA
★★★★★

Honest answers, real numbers, and zero pressure. He even talked me out of more coverage than I needed. Can't say that about most agents.

Ryan & Brittany
Indianapolis, IN
★★★★★
●COMMON QUESTIONS

Before we get on a call.

Short answer: yes, and that's exactly when it's cheapest. A 30-year-old in good health can lock in 30 years of substantial coverage for the price of a streaming subscription. Wait 10 years and it can be 2–3× the cost, assuming you still qualify.

Term is pure coverage for a set period (10, 20, 30 years) — cheap and simple. Whole life lasts your entire life, has cash value that grows tax-deferred, and can be used strategically as a financial tool. We'll walk through which fits your goals.

It's a strategy that uses a specially-designed whole life policy as your own personal financing system. You borrow against the policy's cash value for big purchases (cars, real estate, business) instead of going to a bank — and the policy keeps growing as if you never touched it. It takes time to build up, but it's a powerful long-term tool.

Currently AZ, AL, CT, CO, FL, IA, ID, IN, KY, MI, MO, NC, ND, NM, OH, OR, SC, TN, and TX. If you're elsewhere, reach out anyway — I can often refer you to a trusted colleague.

Not always. Many carriers now offer no-exam policies for healthy applicants, and final expense policies typically skip exams entirely. We'll match you to a path that fits.

Let's protect what matters most.

A 15-minute call. No cost, no pressure. You'll leave with real numbers for your situation.

Behind MidTenn Life.

Hey, I'm Brandon Seiber — founder of MidTenn Life and someone who genuinely enjoys helping people protect what matters most.

Brandon Seiber with his dog at the Grand Canyon
●THE STORY

Service and commitment, carried forward.

As a prior service member, service and commitment are values I carry with me in everything I do. I've been in the insurance industry since 2015, and what drives me every day is the chance to help families across the country find the right coverage — without the pressure, confusion, or salesy nonsense.

I believe in being upfront, keeping things simple, and making sure you feel confident every step of the way.

Outside of work, I try to give back to the community where I can. In my free time, you'll usually find me behind a camera, helping friends and families capture life's big (and small) moments through photography.

If you ever have questions or just want to chat about your options, don't hesitate to reach out. I'm always happy to help however I can.

LICENSED
19 States
CARRIER PARTNERS
40+ A-rated
SPECIALTIES
IUL · IBC · Term · WL
EXPERIENCE
Since 2015
●OUR VALUES

How we do things.

At MidTenn Life, our values are at the heart of everything we do. Earning your trust starts with doing things the right way — every time.

01

Integrity First

Honesty, transparency, and doing what's right — even when no one is watching. Clear, straightforward guidance without pressure or hidden agendas.

02

People Over Policies

Insurance is personal. I take the time to understand your unique needs and goals, then recommend solutions that truly protect what matters most.

03

Simplicity Matters

Life insurance doesn't have to be complicated. I break down your options in simple terms so you can make confident, informed decisions.

04

Excellence in Service

I work with 40+ A-rated carriers to give you access to the best coverage and pricing available. The job isn't done until you feel secure and supported.

05

Nationwide Support, Local Care

While I serve clients across the country, every interaction gets the care and respect you'd expect from a local, trusted advisor.

Let's have a conversation.

Zero pressure. If we're not a fit, I'll say so.

MIDTENN LIFE / PRODUCTS

Six coverage types, explained plainly.

Every family's situation is different. Here's what each kind of policy actually does — and who it tends to fit best.

01 / WHOLE LIFE

Whole Life Insurance

Permanent coverage with guaranteed cash value growth. The classic — and still one of the most reliable financial instruments families can own.

  • Lifelong protectionYour policy stays in force your entire life, as long as premiums are paid. It doesn't expire.
  • Guaranteed cash valueGrows tax-deferred at a guaranteed rate. You can borrow against it or withdraw later in life.
  • Fixed premiumWhat you pay today is what you pay 40 years from now. No surprises.
  • Best for:Parents who want permanent protection, business owners, and anyone building a long-term wealth strategy.
02 / TERM LIFE

Term Life Insurance

Pure coverage for the years it matters most. The most affordable way to get a large death benefit.

  • Fixed termPick 10, 20, or 30 years. Pay the same premium the whole time.
  • Maximum coverage for the price$500K of coverage often costs less than $30/month for a healthy 30-year-old.
  • ConvertibleMost term policies can be converted to permanent coverage later — no new exam required.
  • Best for:Young families, mortgage coverage, income replacement during working years.
03 / IUL

Indexed Universal Life

Flexible permanent coverage with cash value linked to a market index (like the S&P 500) — with a floor that protects you from losses.

  • Market-linked growthCash value can grow with market gains, capped at a max rate.
  • Zero is your floorWhen the market drops, your cash value doesn't. You never earn less than 0%.
  • Tax-advantaged incomePolicy loans from cash value can be accessed tax-free in retirement.
  • Best for:High earners maxing out retirement accounts, and families wanting tax-diversified growth.
04 / INFINITE BANKING

Infinite Banking Concept

A strategy — not a product — that uses a specially-structured whole life policy as your own private banking system.

  • Be your own bankBorrow against your policy for cars, real estate, or business — on your terms, not a lender's.
  • Keep earningYour cash value keeps growing as if you never took the loan out.
  • Long-term wealth engineWorks best when you're willing to fund the policy aggressively for the first 5–10 years.
  • Best for:Business owners, real estate investors, and families focused on multi-generational wealth.
05 / FINAL EXPENSE

Final Expense Insurance

Simple whole life coverage, designed specifically to cover funeral and end-of-life costs.

  • Smaller amounts, faster approvalTypically $5K–$50K. Most policies don't require a medical exam.
  • Never expiresCoverage stays in force for life, with fixed premiums.
  • Paid quicklyBenefits are typically paid to beneficiaries within days — so families aren't stuck with costs up front.
  • Best for:Seniors who want to leave loved ones a clean slate — no funeral bills, no surprise debts.
06 / ANNUITIES

Annuities & Retirement Planning

Turn savings into a guaranteed income stream that can't run out — even if you live to 100.

  • Guaranteed income for lifeLock in monthly income you can count on, no matter what the market does.
  • Tax-deferred growthContributions grow tax-deferred until you start taking income.
  • Fixed, indexed, or variableSeveral flavors — we'll match the type to your goals and risk tolerance.
  • Best for:Pre-retirees and retirees who want predictable income layered on top of Social Security.
●CARRIERS I SHOP FOR YOU

40+ top-rated carriers. One conversation.

Because I'm independent, I'm not pushing one company's products. I match the carrier to your situation — not the other way around.

Not sure which fits? That's what I'm here for.

One conversation, real numbers, no pressure.

MIDTENN LIFE / CONTACT

Let's figure out what coverage actually fits you.

Most clients book a 15-minute call below. If you'd rather type, scroll down — I respond personally within 24 hours.

●WHAT TO EXPECT ON THE CALL
  1. 01

    You tell me about your family.

    Your situation, your goals, what you've already got. I listen first.

  2. 02

    I shop 40+ carriers.

    I'm independent, so I'm not pushing one company. I find the policy that fits.

  3. 03

    You get real numbers.

    No pressure to decide. You leave with the math.

MIDTENN LIFE / BOOK A CALL

Pick a time that works for you.

A 20–30 minute no‑pressure call. We'll talk through what you're looking for, what makes sense for your family, and what it might cost. No sales pitch — just honest answers.

Prefer to type? Send a message instead.

Call or text

(931) 367-6502
Monday-Friday 8AM-5PM CST

Email

brandon.seiber@midtennlife.com
I reply within 24 hours, usually sooner.

Send a message

All fields optional except name and email.

Please enter your name.
Please enter a valid email address.
MIDTENN LIFE / LEGAL

Terms & Conditions

Last updated January 2026. Please read these terms carefully before using our site.

Introduction

Welcome to Mid-Tenn Life. These Terms and Conditions govern your access to and use of our website and any related services, products, or applications (collectively referred to as the “Services”). By visiting or using our website, you agree to comply with these Terms and Conditions as well as our Privacy Policy.

Eligibility

To use our Services, you must be at least 18 years of age and legally capable of entering into binding agreements. By using this website, you confirm that you meet these requirements.

Disclaimer

All content provided on our website is for general informational purposes only and is not intended to constitute financial, legal, or insurance advice. While we strive to provide accurate and up-to-date information, we make no guarantees regarding the completeness or reliability of any content.

Insurance Products

Mid-Tenn Life provides information on various life insurance policies and financial protection products. Availability, terms, and pricing may vary by state, provider, and individual circumstances. All policies are subject to underwriting approval. We do not provide specific insurance or financial advice via this website.

Intellectual Property

All materials on this site—including but not limited to logos, graphics, text, and branding—are the property of Mid-Tenn Life or its licensors and are protected by applicable copyright and trademark laws. Unauthorized use, reproduction, or distribution is strictly prohibited without prior written consent.

Limitation of Liability

To the fullest extent permitted by law, Mid-Tenn Life shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your access to or use of our Services, or your inability to do so.

Indemnification

You agree to indemnify, defend, and hold harmless Mid-Tenn Life, its officers, employees, affiliates, and agents from any and all claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the Services or your violation of these Terms and Conditions.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States of America. Any disputes arising from the use of this site shall be resolved under applicable federal or state laws.

Changes to These Terms

Mid-Tenn Life reserves the right to revise these Terms and Conditions at any time without prior notice. Your continued use of the website constitutes acceptance of any modifications.

Contact

Questions about these Terms? Reach out at brandon.seiber@midtennlife.com or call (931) 367-6502.

MIDTENN LIFE / LEGAL

Privacy Policy

Last updated January 2026. How we collect, use, and protect your information.

Authorization of Use

Mid-Tenn Life authorizes any individual to access this website for informational purposes only. We reserve the right to modify, restrict, or terminate access to this site at any time without notice. All content, including text, graphics, logos, and media, is the property of Mid-Tenn Life and is protected under U.S. copyright laws. No part of this website may be copied, redistributed, or reproduced without prior written permission.

No Warranties

Your use of this website and the internet is at your own risk. Mid-Tenn Life disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. While we strive to provide accurate and up-to-date content, we do not guarantee its reliability or completeness. The website may be updated or changed at any time without prior notice. We do not guarantee that the website will be error-free, uninterrupted, or free of harmful components such as viruses.

Insurance Products Disclaimer

Information on this website may include descriptions of insurance products such as Term Life, Whole Life, Final Expense, Mortgage Protection, and Indexed Universal Life (IUL). Product availability, terms, and features may vary by state and carrier and are subject to change. For detailed information about specific products, please contact us directly.

Disclaimer of Liability

In no event shall Mid-Tenn Life be liable for any damages—direct, indirect, incidental, or consequential—arising from your use or inability to use this website or any information contained herein.

Third-Party Links

This website may contain links to third-party websites. These are provided solely for your convenience. Mid-Tenn Life does not endorse or take responsibility for the content, accuracy, or privacy practices of those external sites.

Electronic Communications

Electronic communications with Mid-Tenn Life (such as emails or form submissions) will only be deemed received once we provide confirmation. If you do not receive a reply or receipt confirmation, please follow up or contact us through another method.

Security

While we take steps to protect your personal information, internet-based communications carry inherent risks. Mid-Tenn Life is not responsible for unauthorized access to information submitted electronically. If you prefer, you may send sensitive information via mail.

Privacy Policy

Mid-Tenn Life is committed to protecting your privacy. We collect personal information only as needed to provide insurance services or respond to inquiries. We will never sell or rent your personal information to third parties without your consent, except as necessary to complete transactions with insurance carriers or as required by law.

Information Collection

When you request a quote or purchase insurance through Mid-Tenn Life, we may collect personal information such as your name, address, email, phone number, and payment details. This information is used solely to process your application and provide ongoing policyholder support. Any data collected is stored securely, and access is limited to authorized personnel only.

We do not store your credit card information. Payment processing is handled securely, and any credit card details provided during a transaction are deleted once the purchase is complete.

Cookies

This site may use cookies to enhance your browsing experience and analyze site traffic. Cookies help us understand how users engage with our content and allow us to tailor the site to your preferences. You may disable cookies in your browser settings; however, doing so may impact some website functionality.

Third-Party Services

We may share limited information with trusted partners or vendors who assist us in delivering services—such as insurance carriers or website analytics providers. These partners are bound to protect your data and are not permitted to use it for any unrelated purposes.

Changes to This Privacy Policy

Mid-Tenn Life reserves the right to modify this Privacy Policy at any time. Changes will be posted to this page. Continued use of our website after updates constitutes your acceptance of the revised terms.

Contact

Questions about this Privacy Policy? Reach out at brandon.seiber@midtennlife.com or call (931) 367-6502.

Tweaks