About Us

Senior Whole Life – also known as Senior Advantage Final Expense Solutions – is an independent agency specializing in whole life insurance for seniors. We help seniors secure the best life insurance solution for their specific situation. At Senior Whole Life, we help our clients first by listening to their need for life insurance, then presenting a solution to solve their problem.

We know that understanding and listening to our clients is the key to develop the proper life insurance solution designed to meet their needs.

We believe in the principles of listening to understand our clients, personally researching and understanding the best insurance solutions, and clearly explaining the reasons for our recommendations.

Whole life insurance for seniors provides peace of mind that your family will not be left with a financial burden when you are gone. At Senior Senior Whole Life, we know that understanding how your policy works is a great way to develop peace of mind.

We are not pushy salespeople. We understand that in order for life insurance to provide peace of mind, you should not feel pressure to move forward.

Our process is designed to build trust, so that you can secure the proper life insurance solution right from the comfort of your own home.

So, why are we qualified to help secure whole life insurance for seniors?

We have years of experience providing whole life insurance for seniors. We are familiar with the best whole life insurance carriers, solutions, and options for you. Each carrier looks at different health conditions and different prescriptions differently. Finding an agent who understands these differences is important so that you know you are in the

For example, if you have diabetes with neuropathy, certain carriers will offer you their best coverage and best rates, while others will offer a lesser product, higher rates, or even an outright decline. Working with an experienced agent could mean a tremendous difference in the quality of your policy.

Our agents at Senior Whole Life are experienced and ready to find the best possible life insurance solution for your specific needs.

We can help determine the best product and company to meet your needs. Our understanding of the underwriting and application process helps ensure our clients receive the best recommendation possible.

Our true value is in not only our experience, but our independence. Did you know that some insurance agents will only represent one company? Or that some agents will only sell one type of insurance policy?

At Senior Whole Life, loyalty to our clients is our top priority. We represent a number of carriers – such as Mutual of Omaha, Lincoln, Royal Neighbors of America, Sentinel Security Life, AIG, Protective, Liberty Bankers Life, and many more – and we do not steer our clients to one specific company.

How We Got Started

Senior Whole life is led by President and advisor Ryan Smith. Ryan is third generation life insurance, following in the footsteps of his father and grandfather. Ryan lives in Chattanooga, Tennessee, with his wife, Lindsey, their two cats, Benny and Bessy, and their rescue dog Murphy.

Before entering the insurance industry, Ryan worked as a lawyer in Memphis and Chattanooga, Tennessee. Ryan practiced law for years, helping clients with a wide range of legal issues, including contract disputes (even insurance disputes!), family law, car accidents, juvenile court cases, criminal defense, estate planning, and more. While Ryan loved helping clients solve their legal problems, he wanted a simpler, more efficient way to help his clients. Ryan began helping clients with insurance, and has never looked back.

Ryan has been focused primarily on helping secure whole life insurance for seniors for the past few years. Ryan’s professional philosophy is simple – to help clients do things they need to have done, and to always do the right thing.