About Kennedy Health Advisors


Earl Kennedy is a decorated retired Army officer and combat veteran. He now serves his community as a leader in health insurance agent licensed in over 20 states helping people find better health plans that meets their coverage and budgetary needs. He is a husband, father, and grandfather.

He attended the University of Georgia where he earned a Bachelor of Science in Education. Earl’s military career spanned three decades in uniform as an Infantry and Transportation officer. Earl earned his Master of Science from Central Michigan University. Now, as founder and owner of Kennedy Health Advisors, he and his agents provide a personal touch to health coverage. His commitment to excellence means that he’ll help you, your family and your business find the right coverage so you can concentrate on building your own excellence!


Caleb is the leader of our Chattanooga office. A husband to Ely and proud father to Christopher and Daniel, He has been a health insurance agent for more than eight years and specializes in helping the Greater Chattanooga area find great coverage options. Active as a volunteer in his church and community, Caleb enjoys connecting with people. He is a member of the Chattanooga Business Connection chapter of BNI and enthusiastically supports the Hamilton County Chamber of Commerce. Caleb loves meeting people, listening to understand their individual needs and then matching them to a plan that fits both their coverage and budget needs.


Jill Christy is a Chattanooga resident of 32 years with three grown children who also live in the greater Chattanooga area. Jill has been a real estate agent for more than 10 years and enjoys working with both small businesses and individuals to assist in their health insurance needs. She is the secretary to the Chattanooga Chamber Board for the Ooltewah/Collegedale Council, and she regularly attends Chamber and other networking meetings all around town. Jill actively works with the SnackPacks ministry of East Brainerd Church of Christ helping to provide over 7,500 meals each month to Hamilton County school children. In her leisure time, Jill enjoys attending comedy shows, hiking Chattanooga’s scenic trails, dabbles in landscape and architecture photography, and playing classical piano. She’s also been known to rescue a puppy or kitten – or a few. 


Emma Montague has been helping families, individuals, and small businesses through the health insurance process for over 6 years. Graduating from University of Tennessee with a bachelor’s degree in Psychology and Neuroscience, Emma had plans to become a psychologist. While spending her summer breaks as a health insurance advisor, she found a love for being able to meet new people and help them find healthcare coverage that saved them money, and most importantly, gave them peace of mind. 
“I never thought I would enjoy being in the insurance industry, but I was given the most amazing opportunity to be a part of an integrity-based company that has allowed me to help other people every day.” 


A Nashville resident since 1970, Christine came to Nashville, from Jeffersonville, Indiana to attend
college at David Lipscomb College. After college she enjoyed a long career in the hospitality industry.

Christine’s career in the insurance industry began in 2005 when she acquired her license as a Life and
Health Insurance broker. Christine recognized the need to help people turning 65 navigate their
Medicare options and specializes in advising Medicare eligible individuals throughout Tennessee.

Regardless of the coverage you are looking for there is no “one size fits all”!

Our Process is Simple:

How Earl Helps

What happens if you are on vacation and you get sick, or your child gets injured? What do you do? Where do you go? Are there in-network doctors’ offices that are available to you? Will you be stuck with out-of-state rates? A trip to the hospital can cost thousands of dollars. If you don’t have the proper coverage, you will have to pay more out-of-pocket.

It is situations like these that Earl deals with on a regular basis. He and his team want to make sure you feel secure regardless if you’re at home or on vacation. A trip to the emergency room should not break the bank. Earl will make sure it doesn’t.

How He's Different

Nothing is more frustrating for someone in need of health insurance than to be told you have to navigate a faceless website to find the right plan with the right coverage at the right price that your doctor accepts. That’s where Earl is different.

From the very beginning, KHA was born of Earl’s obsession with taking care of the customer or, as he calls them, “the troops.” Using the same passion for excellence honed throughout his Army career, he starts by listening to each customer to make certain he understands their needs. Then, without bias, he investigates the myriad available options and then recommends an option he knows will best fit their situation. He walks side-by-side through the application and approval process and remains by their side as their “home town” agent long after the sale.

"Earl is very helpful and very knowledgeable about heath insurance, he would do anything to help his clients. Highly recommend him!!!"
Saban Smajlovic
Kennedy Health Advisors, Health Insurance, Nashville, TN