Planning for the Future Starts Today

At Sharon Howard Williams Insurance Group, we offer a wide variety of insurance policies and coverage options to help protect you and your family. 
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Welcome to
Sharon Howard Williams Insurance Group

Tennessee's Most-Trusted Insurance Agency

Our group is dedicated to you and understands that each and every client has different insurance needs. That's why we offer different policies and coverage options and will help you choose the one that's best for you. We've been providing outstanding customer service for many years and are proud to be one of the premier insurance firms in Tennessee. But, our most important goal is to make you a happy, life-long customer.

(Also licensed in AR, KY, MI, OH, SC, SD and TX)
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Meet Your Agent

Experienced. Friendly. Professional.


Our Services

We offer a wide-variety of insurance options for both individuals and businesses in and around Tennessee.
(Also licensed in AR, KY, MI, OH, SC, SD and TX)

medicare supplemental

pet insurance


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This plan pays valuable benefits for covered care and treatment. These cash benefits can be used for whatever works best for you — perhaps paying out of pocket bills, deductibles, co-pays ... the choice is yours. You can also add benefits for a first covered diagnosis of internal cancer ... this pays a lump-sum benefit of up to $10,000 directly to you. Nearly all of us have seen the toll cancer takes — both on the patient and their family. We all know that those who hear, "It's cancer," have enough to worry about.This Cancer Insurance offers vital benefits, so time can be spent on beating cancer and getting well. Please give me a call if you would like to learn more.


* You can receive cancer benefits in addition to any other coverage you have, including Medicare.
* Benefits are paid directly to you and the money can be used for whatever you need most.
* Coverage can help provide peace of mind for you and your loved ones during a difficult time.
Worried about high dental bills? You understand the importance of getting great dental care. And you know that healthy teeth are an essential part of maintaining overall health. That’s where all-new Dental Insurance coverage from Physicians Mutual Insurance Company can make a difference.

This amazing protection is designed for people like you — and our insurance plans have options to fit your needs. Here’s what you can expect from our dental plans:
• 100% paid for preventive care, when you use a network dentist
• Immediate benefits for preventive and basic care, major benefits start after 12 months
• Helps cover more than 400 procedures
• No deductible to pay
• No annual maximum for cash benefits

Your smile is important, so protect it! Our plans start at about $1 a day.
* And with our 31-day satisfaction guarantee, you have no risk!

Let us help pay the vet bills with pet insurance

A little about Medicare.  Medicare was created in 1965 to provide government-administered health insurance to help with the costs of hospital services (Part A) and medical services (Part B).

Over the years, Congress added some new benefits, rules and regulations to improve the program.

One major change was the addition of Medicare Part C — a managed-care style coverage (like HMOs) administered by private companies but funded by the government.

Later, Congress enacted the Medicare Prescription Drug, Improvement, and Modernization Act (MMA), which created Medicare Part D. The Affordable Care Act made additional changes to covered preventive care and offered savings for prescription drugs.



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Not Sure What You Need?
Our Insurance Experts Will Help You Choose the Coverage that's Right for You

Everybody's needs are different. Our experienced insurance agents will be happy to discuss your individual needs and present the best options available.

Why Choose Us

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If you think all insurance agencies in Tennessee are the same.  At Sharon Howard Williams Insurance Group,  we offer a level service that you can't get at other agencies near Tennessee. Our knowledgeable agents will work with you to find a coverage option that's best for your needs, family and budget.

Fast & Free Quotes
Contact us now to get a competitive insurance quote today.

Friendly &  Knowledgeable Agents
We take the time to explain the different insurance options.

Locally Owned & Operated
We are proud to serve the community for many years.
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Customer Testimonials

Here's what our customers have to say:
"I was looking for affordable and dependable life insurance, but I didn't know much about all of the different terms and options.  Mrs. Sharon Williams, of Sharon Howard Williams Insurance Group, was so helpful and professional in explaining everything to me.  This made my life insurance investment process completely stress free."

"I had a  question a few months after starting the policy and she was able to answer it without delay!  Just a great experience before and after the purchase!"

"I highly recommend Sharon Howard Williams Insurance to anyone who may be in the market for their insurance needs."

~ Clifton Wolfe

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