Independent since 1983

LAPIS

Coverage clarity. Not sales pressure.
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01 The hive

Guidance you can trust, dating back to 1983.

Our team brings insurance experience dating back to 1983, built on a simple conviction: people deserve a guide who works for them, not for a carrier. We're headquartered in Knoxville, Tennessee, licensed across nine states — and because we're independent, our only obligation is to you. When you call, you get a person, not a phone tree.

Carriers
30+
Insurance companies compared, so you don't have to call a single one.
Experience
80+ yrs
Combined broker experience across every line we carry.
Licensed
8 states
TN, GA, KY, NC, SC, VA, OH, FL, and TX — a real person on every call.
02 What we gather

Four cells of the comb. One roof.

Each explained like a friend would, then compared across every carrier we carry.

04 Our territory

Nine states. One standard.

Licensed and serving clients across the Southeast and beyond.

TennesseeTN
GeorgiaGA
KentuckyKY
N. CarolinaNC
S. CarolinaSC
VirginiaVA
OhioOH
FloridaFL
TexasTX
05 The promise

The standard we hold ourselves to.

01We work for you — never a carrier.
02Plain English always. No jargon, no fine-print surprises.
03We compare 30+ carriers, then recommend just one.
04No fees to you. Our guidance is always free.
05We're here all year — not only at enrollment.
"They compared everything, explained it plainly, and never once pressured me."
— A Knoxville client, on their first Medicare enrollment · sample testimonial

Join the hive.

No forms, no pressure — just clear answers from an independent broker.

Call a navigator
865-245-9262