Veteran-owned · Chattanooga, Tennessee
If I'm Gone Tomorrow, My Family Keeps Everything.
Real coverage numbers from A-rated carriers in about two minutes. It costs me nothing — the carriers pay the broker, not me. No pressure, no obligation.
Free 30-Minute Review
A-Rated Insurance
No Obligation, Ever
WHY FAMILIES CHOOSE THIS AGENCY
Licensed. A-Rated Carriers. One Agent Who Actually Picks Up.
We thought we could only afford a small policy. We left with double the coverage for less than we were paying.
I had no idea how to compare companies. He only brought me A-rated carriers with 100-year track records.
My whole life policy builds cash value and earns a dividend. Protection we need, and money I can reach.
The annuity pays us every month in retirement, for as long as we live. A paycheck we thought had ended.
My IUL follows the index when it climbs and didn't lose ground the year the market fell.
I asked what happens if I'm gone. He showed me years of my income replaced, not a few weeks.
With the rider, if I never file a claim I get back every dollar I paid in. It still sounds unreal.
Our policy covers the whole 30-year mortgage plus a year of income. Nobody is packing up this house.
The refund is set to land about five years before I retire and five before the mortgage is paid off.
Start here
Which one sounds like You?
Pick the one that matters most. One tap, and we'll show you what it costs and what it covers.
"If I'm gone tomorrow, how do they pay the bills?"
"If something happened to me, would they lose the house too?"
"My cash is sitting in the bank earning nothing."
"Will the next crash take half my retirement?"
"Who pays for my funeral?"
"What if my money runs out before I do?"
FAMILY INCOME PROTECTION
"If I'm Gone Tomorrow, How Does My Family Pay the Bills?"
My paycheck stops the day I'm gone, but the mortgage, the groceries and the kids' expenses don't. Term life replaces years of my income, so my family doesn't have to change their whole life on top of losing me.
Coverage commonly set at 10-20x my annual income, often for a few dollars a day
No medical exam required for many healthy applicants
Free quote today — I see my real price in about two minutes
MORTGAGE PROTECTION
"If Something Happened to Me, Would They Lose the House Too?"
A 30-year mortgage doesn't stop just because I'm gone. Mortgage protection pays the balance so my family keeps the house — no missed payments, no forced sale, no losing the home my kids grew up in.
Coverage sized to my exact mortgage balance and years remaining
Premiums locked in for the life of the loan — never goes up
Set it up in about 15 minutes — free quote, no obligation
WHOLE LIFE & INFINITE BANKING
"My Cash Is Sitting in the Bank Earning Nothing"
A savings account pays me almost nothing while inflation quietly eats it away. Whole Life fixes that with permanent coverage that never expires and contractually guaranteed cash value growth, with dividend potential. Some of us take it further with Infinite Banking, using that cash value like our own personal bank. Either way, my money finally starts working for me.
Whole Life coverage that lasts my entire life and never expires
Contractually guaranteed cash value growth with dividend potential, backed by the issuing carrier
One 20-minute call shows me exactly how this works for my situation
RETIREMENT SECURITY
"I Don't Want to Lose Half My Retirement in the Next Crash"
Market crashes have wiped out retirement accounts twice in the last 20 years. An IUL credits my money when the index is up, and a contractual 0% floor means a market drop doesn't reduce my indexed value. Policy charges and caps still apply.
Contractual 0% floor on indexed crediting — a market drop doesn't reduce my indexed value
Participates in index gains up to the policy's cap and participation rate
My own personalized illustration — free, no obligation
FINAL EXPENSE PLANNING
I Don't Want My Family Scrambling to Pay for My Funeral
The average funeral costs $10,000-$15,000, and most families don't have that sitting in savings. Final expense coverage pays out fast, often within 24-48 hours, so my family isn't forced to fundraise, borrow, or go into debt just to say goodbye to me properly. Here's what makes it simple:
Coverage from $5,000 to $50,000 to cover funeral, burial, and final bills
No medical exam for most applicants — simplified issue approval
Rates locked in for life — get your free quote in 2 minutes
LIFETIME INCOME
What If My Money Runs Out Before I Do?
People are living longer than ever, and that's a blessing, but it also means retirement savings have to stretch 20-30+ years. An annuity turns part of my savings into a contractually guaranteed income for life, backed by the issuing carrier. Here's what makes it simple:
Contractually guaranteed lifetime income, backed by the issuing carrier
Principal protection on fixed and fixed-indexed annuities, backed by the carrier
Free retirement income analysis — see exactly what your money can do
The Right Policy Removes Every One of These Problems
Term Life Insurance
Solves: Lost Income — replaces years of income instantly
Mortgage Protection
Solves: Mortgage Exposure — pays off your home if you're gone
Whole Life & Infinite Banking
Solves: My Money Isn't Working — permanent life insurance that grows tax-free cash value
Index Universal Life (IUL)
Solves: Market Risk — grows with the market, never loses to it
Final Expense Coverage
Solves: Final Expense — pays out fast so family isn't left scrambling
Annuities
Solves: Outliving My Money — guaranteed income I can never outlive
TERM LIFE INSURANCE
My Family Keeps Their Life — No Matter What Happens to Me
Term life insurance is the simplest, most affordable way to protect the people who depend on me. If something happens to me, my family gets a lump sum that replaces years of my income instantly — no missed mortgage payments, no lifestyle change, no scrambling. Here's what makes it work for real families:
Covers 10-20x my annual income for pennies a day
No medical exam needed for most healthy applicants
Free quote today — see your real price in 2 minutes
MORTGAGE PROTECTION
My Family Keeps the House — No Matter What
A 30-year mortgage doesn't stop just because I'm gone. Mortgage protection insurance pays off my home completely so my family keeps it — no missed payments, no forced sale, no losing the home the kids grew up in. Here's what makes it simple:
Coverage that matches my exact mortgage balance and years remaining
Premiums locked in for the life of the loan — never goes up
Set it up in 15 minutes — free quote, no obligation
WHOLE LIFE & INFINITE BANKING
My Money Finally Starts Working For Me
A savings account pays almost nothing while inflation quietly eats it away. Whole Life fixes that with permanent coverage that never expires and contractually guaranteed cash value growth, with dividend potential. Some of us take it further with Infinite Banking, using that cash value like our own personal bank. Here's what makes it simple:
Whole Life coverage that lasts my entire life and never expires
Contractually guaranteed cash value growth with dividend potential, backed by the issuing carrier
One 20-minute call shows me exactly how this works for my situation
INDEX UNIVERSAL LIFE (IUL)
My Retirement Grows With the Market — Never Loses to It
A traditional retirement account can lose value when the market crashes. An IUL credits my money when the index goes up, and a contractual 0% floor means a market drop doesn't reduce my indexed value. Caps, participation rates and policy charges apply. Here's what makes it simple:
Indexed crediting with a contractual 0% floor — a market drop doesn't reduce my indexed value
Tax-deferred growth, with policy loans and withdrawals generally income-tax-free when structured properly — ask your tax professional
Free quote today — see your exact growth potential in 2 minutes
FINAL EXPENSE COVERAGE
My Family Won't Be Left Scrambling to Pay for My Funeral
The average funeral costs $10,000-$15,000, and most families don't have that sitting in savings. Final expense coverage pays out fast — usually within 24-48 hours — so my family can lay me to rest with dignity instead of putting it on a credit card. Here's what makes it simple:
Coverage from $5,000 to $50,000 to cover funeral and final costs
No medical exam needed — approval in as little as 24 hours
Free quote today — protect your family in 2 minutes
ANNUITIES
I'll Never Outlive My Own Money
The scariest retirement question isn't "will the market crash" — it's "what if I outlive my savings?" An annuity turns part of my retirement savings into a contractually guaranteed paycheck for life, backed by the issuing carrier. Here's what makes it simple:
Contractually guaranteed lifetime income, backed by the issuing carrier
Principal protection on fixed and fixed-indexed annuities, backed by the carrier
Free quote today — see your guaranteed income in 2 minutes
3 EASY STEPS
Your Simple Path to
Protecting Your Family
1
STEP 01
Book Your Free Call
Schedule a quick 20-minute call with a licensed agent — no pressure, no obligation.
2
STEP 02
Get Your Custom Plan
We compare top-rated carriers and build a coverage plan that fits your budget and goals.
3
STEP 03
Get Covered & Protected
Sign your policy and rest easy knowing your family is protected — for life.
REAL STORIES
What does Nooga Strong - FFL do?
Nooga Strong - FFL is a veteran-owned insurance brokerage in Chattanooga, Tennessee. We compare life, final expense, mortgage protection, and retirement income products from multiple A-rated carriers, then match families to the coverage that fits their budget. Our service is free — carriers pay us, not you.
Because we're a brokerage and not a single carrier's sales office, we're not stuck selling one company's products. If another carrier offers you a better rate for the same coverage, we'll tell you — that's the entire reason to work with a broker instead of going direct.
Meet the Team of Professionals
Behind every Nooga Strong client is a veteran-led team with decades of combined experience protecting families. From our parent agency's Hall of Fame producers to boots-on-the-ground support here in Chattanooga, every member of this team is personally invested in your family's financial security. Tap any photo to book directly with that team member.
Kendall B. Clark, Sr.
CEO & Agency Owner, Invincible Insurance
Crystal Clark
Agency Owner, Clarity Financial LLC
Leslie Scofield
Agency Founder, Ashes to Assets
Susan Randall
Insurance Consultant
Travis Pace
Founder, Nooga Strong FFL
TN License # 3001620083
NPN: National Producer Number 20026056
Licensed in All 50 States
Powered by Family First Life
VETERAN FOUNDED & OPERATED
Mission First: SSgt Travis Pace
Medically retired from the U.S. Air Force and 100% disabled, Travis brought the same discipline and standard of excellence he lived overseas to the insurance industry. After personally learning the tragedy of losing a child without coverage in place, he built Nooga Strong to protect families the way he once protected his country — and to give fellow veterans a mission worth fighting for at home.
WHAT I GET FOR BOOKING
All of It Is Free. Even If I Never Buy a Thing.
Book this week and I get all of it, free: a 30-minute review where my existing policies are read line by line — no pitch — a side-by-side quote from multiple A-rated carriers instead of one company's price, a written Family Protection Plan I keep whether or not I buy, and a licensed agent's direct number instead of a call-center queue. The carriers pay the broker, not me.
Get Answers Fast
Frequently Asked Questions
What is the difference between Term and Whole Life insurance?
Term life covers you for a specific period (e.g., 10-30 years), while whole life provides permanent coverage with a cash value component. Term is generally more affordable upfront. View coverage comparison.
How long does the underwriting process take?
Our standard underwriting process typically takes 2-4 weeks. However, we also offer no-exam policies that can be approved in as little as 48 hours.
Do I need a medical exam to get coverage?
Not always. We offer simplified issue and guaranteed issue policies that do not require a medical exam, depending on your age and health history.
What factors determine my premium rates?
Premiums are calculated based on your age, current health status, lifestyle habits (like tobacco use), and the total coverage amount requested.
How do I file a claim if something happens?
Claims are filed with the carrier that issued the policy, not with us. Call us first at (423) 556-3096 — we'll pull the policy, start the paperwork, and stay on the line with your beneficiary until it's submitted.
Can I change my policy after it has been issued?
Yes. Many term policies offer a conversion rider allowing you to convert to a permanent policy later without a new medical exam.
What happens if I miss a premium payment?
Most policies include a 30-day grace period. If payment is received within that window, your coverage remains active without interruption.
Are my benefits taxable?
In the vast majority of cases, life insurance death benefits are paid out to your beneficiaries income tax-free.
How much coverage do I actually need?
A general industry rule is 10 to 15 times your annual income, plus enough to cover major debts like a mortgage or college tuition. Use our coverage calculator.
Does my policy cover pre-existing conditions?
Coverage for pre-existing conditions depends on the specific condition and severity. Guaranteed issue policies accept most health backgrounds.
Can I add my spouse or children to my policy?
Yes, you can often add dependents using a spouse or child rider at a fraction of the cost of a standalone policy.
What is a rider and do I need one?
Riders are optional add-ons that customize your coverage, such as accelerated death benefits or waiver of premium for disability.
How do I update my beneficiary designation?
You can easily update your primary or contingent beneficiaries at any time by logging into your account online or submitting a quick form.
Is my rate locked in for the entire term?
Yes. With level term insurance, your monthly premium is guaranteed to remain exactly the same for the duration of the 10, 20, or 30-year term.
What is the contestability period?
It is a standard 2-year window after policy issuance during which the carrier can investigate a claim for material misrepresentations on the application.
How do I cancel my policy?
You can cancel at any time. Term policies carry no surrender charge. Permanent policies and annuities may have surrender charges in the early years — we'll show you that schedule in writing before you sign anything.
Does the policy cover accidental death?
Standard life insurance covers death from illness, age, and most accidents. An accidental death rider can provide an additional payout.
Can I borrow against my life insurance policy?
Only if you have a permanent or whole life policy that accrues cash value. Term life policies do not have a borrowable cash value component.
What happens when my term expires?
You generally have the option to renew annually at a higher rate, convert to a permanent policy, or let the coverage lapse entirely.
How do I contact customer support?
Our licensed agents are available Monday through Friday from 8 AM to 6 PM EST via phone, or 24/7 via our secure messaging portal. Contact us here.
LOCAL EXPERTISE
Proudly Serving Chattanooga & Surrounding Areas
We provide comprehensive coverage and dedicated support to families, individuals, and businesses across the greater Chattanooga region.
Neighborhoods We Serve
- Northshore & Downtown
- Southside & St. Elmo
- Lookout Mountain & Signal Mountain
- East Brainerd & Ooltewah
Surrounding Counties
- Hamilton, Bradley & Marion (TN)
- Catoosa, Walker & Dade (GA)
Local Office: Available by appointment in Chattanooga
Direct Line: (423) 556-3096
My Family, Covered. Before the Week Is Out.
✓ Licensed in TN ✓ Veteran-Owned Business
nOOGA STRONG - FFL
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© Copyright 2026. Wealth Financial Investing Group. All Rights Reserved.
Nooga Strong - FFL is a licensed insurance brokerage located in Chattanooga, Tennessee, affiliated with Family First Life. Travis Pace, Tennessee insurance license #3001620083, NPN 20026056. Licensed in all 50 states. Verify any agent's license through your state's Department of Insurance.
Coverage, rates and availability vary by carrier, state, age and health, and all coverage is subject to underwriting approval. Figures shown anywhere on this site are estimates for illustration only and are not an offer of insurance, a guarantee of coverage, or a guarantee of any rate or result. Product guarantees are backed by the claims-paying ability of the issuing carrier. Client situations described on this site are individual results; your results will vary. Nothing on this site is tax or legal advice — please consult your own tax professional or attorney.
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