I don't sell expensive safety blankets based on generic website widgets. I structure mathematically sound risk strategies to shield your balance sheet from Middle Tennessee's legal realities.
Agent Lic: #981776
Hi, I'm Ted Hanson (legally registered as Theodore Hanson).
Since obtaining my insurance license on October 19, 2007, I have watched people buy coverage the way they buy lottery tickets—hoping for the best while ignoring the actual numbers. Drawing on a background that includes prior licensing as a Mortgage Loan Originator (MLO) alongside nearly two decades of personal lines advisory in Middle Tennessee, I bring a rare dual perspective to how property risk, mortgage escrow structures, and Debt-to-Income (DTI) metrics intersect. Operating from Springfield, I build math-driven, contractually sound defense systems for local families, refinancers, and real estate professionals.
My philosophy is simple: you cannot squeeze blood from a turnip, but if you have actual turnip juice (assets), the legal system will find a very large straw. I don't exist to sell you a warm, fuzzy feeling. I exist to run an asset-and-liability check, find where your balance sheet is exposed, and construct a boundary wall that keeps plaintiff attorneys looking elsewhere.
Whether you are completely judgment proof, need a statistical safety net to price out fat-tail lawsuit risks, or want your liability limits to wrap dollar-for-dollar around your net worth, we'll design a framework backed by Tennessee state regulatory standards. No sales pitches, no arbitrary widgets—just cold, hard numbers.
Springfield, Robertson County, Davidson County, & Greater Middle Tennessee.
National Producer Number (NPN): 9772148 | TN Dept of Commerce & Insurance License: 981776.
Licensed Insurance Agent + Prior Mortgage Loan Originator (MLO) Background.
Insurance policies are just contracts. If written poorly, they are useless paper. If structured correctly, they are a wall of legal steel. Here is how we build it.
Because Middle Tennessee windstorms don't care about your feelings, and hidden water leaks are waiting to turn your hardwood floor into an indoor pool. Let's cover the actual structure, not just the vibes.
For when standard drivers on I-65 treat speed limit signs like suggestions. We look at the actual liability limits required to protect you from turning a minor traffic slip-up into a multi-million-dollar lawsuit.
The ultimate fat-tail shield. Because a single bad day on the road shouldn't donate your next 20 years of compound interest to a plaintiff's attorney. Sits on top of your auto and home policies.
A selfless mathematical guarantee that if you exit the stage early, the people you leave behind aren't stuck financing a mortgage on a single income. We focus on cost-effective Term Life unless there is a highly compelling, specific reason you require permanent coverage.
In the insurance industry, anyone can claim to be a "risk advisor" while trying to upsell you on products you don't need. I prefer verification over blind trust. Below are direct links to official state and federal databases to prove I'm legally authorized to build these defense systems.
Why Verification Matters:
Because verifying credentials takes 30 seconds, but taking advice from an unlicensed "expert" on a forum can cost you your entire net worth. My active status has been registered with the State of Tennessee since 2007.Both Tennessee state insurance licenses and national credentials are listed on the NAIC State Based Systems registry. You can verify Ted Hanson's active status using either identifier below.
How to Verify on the SBS Portal:
Professional risk management articles, local business guides, and coverage explanations to keep Robertson County informed.
9 min read
Discover how to balance catastrophic balance sheet defense with capital efficiency using the 1% TEF Rule. Learn the 3-step risk audit sequence to eliminate product bloat, optimize deductibles, and restructure carry costs without compromising umbrella protection.
8 min read
Statutory shields like ERISA, Tennessee homestead exemptions, and IRA protections are defenses of last resort—not insurance substitutes. Explore how balance sheet assets are categorized, where statutory safe havens fail, and why high-limit umbrella insurance is your non-negotiable first line of defense.
7 min read
Your most valuable asset isn't accumulated net worth—it's your Human Capital Present Value (PV). Discover how wage garnishment engines liquidate future earnings after catastrophic accidents, why judgments renew indefinitely, and how umbrella shields and term life protect living and dying risks.
6 min read
Standard primary auto liability coverage can cost $1,500 to $3,000+ per year, while a $5,000,000 umbrella policy costs just $400 to $600. Discover why insurers price frequency vs. severity, how mandatory attachment floors create retained limit gaps, and how to optimize your personal risk architecture.
7 min read
Most high-earning professionals assume a $5 million umbrella policy is an impenetrable fortress. Discover why personal injury litigation follows a fat-tailed distribution, how 5-sigma verdicts easily breach standard limits, and why layered excess liability coverage and asset architecture are essential.
6 min read
Your biggest financial asset isn't sitting in a bank account or locked up in home equity—it is your future earning potential. Discover why state minimum liability limits leave a multi-million-dollar gap, why standard disability and health policies are not enough, and how an Excess UM/UIM endorsement protects your most valuable asset.
Tell me what you actually own, what you earn, and what you're trying to protect. I'll help you calculate your exposed wealth and build a defense wall that fits.
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The Lawyer-Mandated Disclaimer: The information provided on this website is for general informational and educational purposes only. I am a licensed insurance agent, not an attorney—meaning none of this constitutes legal advice, even if I discuss legal concepts or state statutes. Visiting this website, reading this content, or submitting a contact form does not magically create an agent-client relationship (and certainly does not establish an attorney-client relationship). Insurance coverages and rates are highly individualized and depend on specific risk factors not captured here. For advice tailored to your unique situation, please schedule a formal consultation.