About Family Life Solutions

Family Life Solutions is a one-agent insurance practice in Clarksville, Tennessee, run by Lesley David Varisce. Les works as an independent agent, so he shops final expense, term life, whole life, indexed universal life and annuities across several carriers instead of selling one company's lineup. He is licensed in Tennessee, Kentucky, Ohio, Virginia, Texas and New York.

Who you are actually calling

The phone number on this site rings Les. There is no call center between you and the agent, no lead form that sells your name to four other agencies, and no handoff to someone you have never spoken to. He takes the quote request, he runs the numbers, and he calls you back.

Les lives in Clarksville and works the Clarksville-Fort Campbell trade area on both sides of the state line. His clients are soldiers finishing twenty years on post, retirees living on a fixed income, and families who buried a parent and still remember what the bill looked like.

What independent means here

A captive agent works for one insurance company and can only offer that company's products. Les is not captive. He compares policies from multiple carriers on price, underwriting and how fast they issue, then brings you the one that fits your age, your health and your budget.

That matters most on final expense, where the same 68-year-old can be quoted two different premiums by two carriers for the same death benefit, and on indexed universal life, where caps, participation rates and fee structures vary enough to change the whole illustration.

How Les gets paid

The carrier that issues your policy pays the commission. You do not pay Family Life Solutions a fee, a retainer, or a consultation charge, and the quote costs nothing whether you buy or not. Being paid by whichever carrier you choose is what makes comparing them honest.

What Les places

• Final expense, the small whole life policy that covers a funeral and the bills that follow it
• Term life, income replacement for the years your family still depends on your paycheck
• Whole life, permanent coverage with a level premium and guaranteed cash value
• Indexed universal life, permanent coverage with cash value tied to an index floor
• Annuities, for turning savings into income you cannot outlive
• KonnectMD, a virtual healthcare membership rather than insurance
• The Commercial Drivers Legal Plan, a LegalShield legal services membership for CDL holders

KonnectMD and the CDL Legal Plan are memberships, not insurance. Neither replaces health coverage and neither is regulated as insurance.

Where Les works

The office sits on Wilma Rudolph Boulevard in Clarksville. Most of the families Les meets are within about an hour of it: Fort Campbell and Oak Grove, Hopkinsville, Springfield, Pleasant View, Adams, Dover, and Nashville down I-24. Pick a town on the locations page and you get coverage details written for that area.

His license reaches further than his commute. Tennessee, Kentucky, Ohio, Virginia, Texas and New York are all in force, so a client who moves or a family member in another state can still be written.

What a first call looks like

Les asks your age, your ZIP code, whether you use tobacco, and what you are trying to cover. He does not ask for a Social Security number to produce a quote and there is no medical exam on most final expense products. If nothing on the market fits your budget, he will say so instead of selling you a policy you will cancel in four months.

Talk to Les

Family Life Solutions
Lesley David Varisce, licensed insurance agent
1860 Wilma Rudolph Blvd, Suite 118D
Clarksville, TN 37040
Phone: (931) 933-3770
Email: familylifesltns@gmail.com

Call (931) 933-3770   Book a time

Full contact details, hours and directions are on the contact page.