Products

Debt 2 Wealth

Many hardworking people are making their payments each month but feel like they’re getting nowhere. Rising interest costs can keep families in debt for years to come.

The Debt 2 Wealth program is a unique solution to pay off debt quickly while building wealth and your credit score. And it's not debt consolidation, debt settlement, cutting your lifestyle, or taking on a second job.

You can keep your lifestyle and pay off all debt, including the mortgage, in as little as one-third of the time!

Sound too good to be true? Check out this video to learn more:

Save on Dental and Vision

The time to save money on your dental health is before you need a root canal or dental implants. The right plan can help you cut costs significantly!

The same is true with a custom vision plan. You'll be glad for the discounts when you need new eyewear!

If you've been disappointed by the limited savings or waiting periods with your current insurance or think you can't afford coverage, we have two very competitive plans to consider:

Affordable Health Insurance

When you don’t have health coverage through an employer, finding the right plan can feel overwhelming. Premiums can be high, networks confusing, and it’s hard to know which option truly gives you the best value.

The good news is—we can help.

For many individuals and families, Marketplace ACA (Obamacare) plans are an excellent choice, especially for those who qualify for government premium subsidies or need coverage for preexisting health conditions.

If you’re relatively healthy and do not qualify for subsidies, we also offer alternative health coverage options with premiums that are typically 30–40% lower than many plans found on healthcare.gov.

Whether you need traditional ACA coverage or a more affordable alternative, we help you compare your options in one place so you can confidently choose the plan that fits your health needs and budget.

Affordable Health Plans for Small Business

As a small business owner, it's important to attract and retain quality employees – and providing good health insurance is key.

To help control rising costs, many employers are choosing alternative health coverage options with premiums typically 30–40% lower than traditional plans.

These plans can provide valuable benefits for employees while helping your business save money. Even better, employees can often keep their coverage if they leave your company, avoiding the hassle and time-consuming COBRA process.

If you’d like to explore affordable options for your business, let’s talk!

Final Expense Life Insurance with Peace of Mind

The last thing anyone wants to leave behind is the need for a fundraiser to pay for burial or cremation costs. And yet that happens way too often!

It's a decision that's easy to put off. But looking at your options can actually bring a lot of peace and clarity.

Not everyone needs a final expense policy. But if you do, your premiums will never be lower than today, and we can lock in that low premium so you never see a rate increase!

Ready for a better way?

Horizon Life & Health

Independent insurance agency licensed in Tennessee and many other states.

We provide personalized life and health insurance solutions for individuals and families.

Mailing Address

919 Tiny Town Rd Ste B #2020

Clarksville, TN 37042

Call or text 615-808-8813

© 2026 Horizon Life & Health. All rights reserved.