Protect What You’ve Built.
Empower Your People.
Southern States Benefits: A Colonial Life Independent Agent proudly serving Tennessee & Alabama.
We help small businesses with 10–100 employees safeguard their teams and strengthen retention through tailored group and voluntary benefit solutions. Backed by Colonial Life’s trusted coverage, we deliver local expertise, fast implementation, and one-on-one service that puts your business first.
About Southern States Benefits
Local Expertise, Backed by Colonial Life
Southern States Benefits is an independent Colonial Life agency serving employers across Tennessee and Alabama. We specialize in employer-sponsored and voluntary benefit programs that protect teams, simplify administration, and strengthen retention. Our process is personal, transparent, and efficient, clear proposals, realistic timelines, and dependable local support rooted in southern values.
What We Do
Tailored insurance solutions designed to protect your people and strengthen your business.
Group Benefits Design
We help business owners create sustainable benefit programs that protect teams and profits alike. From group life to disability and accident coverage, we build plans that reduce HR strain, strengthen retention, and show employees they matter, so you can stay focused on growth.
Voluntary Benefits
Give your employees more choice without raising company costs. We offer affordable voluntary options like critical illness, hospital indemnity, and accident protection, custom-fit to your workforce to enhance satisfaction, loyalty, and perceived value across every level of your team.
Onsite Enrollment Support
We don’t just deliver policies, we partner with your team. Our experts handle every detail of enrollment, providing on-site or virtual education that keeps employees informed and confident. You focus on your clients while we ensure participation and smooth implementation.
Coverage Options for Employers
Mix-and-match benefits designed to protect your team and strengthen your business.
Group Life & AD&D
Give employees and their families peace of mind when it matters most. Our group life and accidental death plans offer flexible options for employers and teams, ensuring dependable coverage and long-term stability across every stage of business growth.
Employer-paid base coverage
Optional voluntary buy-up
Simple enrollment process
Disability & Income Protection
Keep your team financially protected through unexpected challenges. Our short- and long-term disability plans maintain income stability and support employees’ recovery while offering customizable, cost-efficient options that align with your company’s growth.
Short-term coverage
Long-term protection
Adjustable waiting periods
Supplemental & Wellness
Broaden your benefits with affordable add-ons that encourage well-being and retention. From hospital indemnity and critical illness plans to wellness incentives, our programs reduce out-of-pocket costs and create healthier, more engaged workplaces.
Hospital indemnity
Critical illness coverage
Wellness incentive programs
Trusted by Regional Firms
Real results from local finance and insurance teams
“Southern States Benefits simplified our enrollment and increased participation by 37% in the first year. Their team understood our regulatory needs and delivered clean execution.”
“They helped us structure voluntary benefits so our smaller branches could keep competitive packages without burdening our budget. The process was seamless.”
“Enrollment day was organized and professional. Our staff felt informed and the employer portal made ongoing administration straightforward.”
Schedule Your Consultation
15–30 Minute Personalized Benefits Review
Let’s make your benefits work smarter. Schedule a no-obligation consultation to review tailored plan options, coverage strategies, and implementation timelines built around your business. In just one short meeting, you’ll walk away with a clear benefits roadmap and actionable next steps, no sales pitch, just honest guidance from a Colonial Life Independent Agent.
Contact Us
We’re here to help with benefit questions, quotes, and enrollment support. Send us a message and our team will get back to you promptly.
Phone: (256) 908-8585 • Email: [email protected]
Southern States Benefits is an independent agency representing Colonial Life. Product availability and features may vary by state. The information provided on this site is for general informational purposes only and should not be construed as legal, tax, or benefits advice. For complete policy details, eligibility, and plan specifics, please contact a licensed agent.
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