Tim Garrett is a Louisville native and graduate of the University of Louisville with a B.S. Degree in Finance (1991). Prior to and during his college years, Tim served as an apprentice with Arch L. Heady Funeral Homes and became a licensed funeral director in 1987. After graduating college, Tim began his career in the financial services industry and spent several years in the Life and Annuity business with The Prudential Financial Group and Capital Holding in their Fixed and Variable Annuity divisions.
In 1994, Tim joined HealthWise of Kentucky, a regional HMO in Lexington. Tim was responsible for the Louisville and Bowling Green markets as a direct group sales representative in Employee Benefits. In 1996, Tim joined Humana as a group sales representative in the Louisville market. After two years of in-depth training in both the small and large group markets, Tim gained valuable experience in the needs of employers and made the transition to an independent broker in 1998.
After eleven years of building a loyal client base in Indiana and Kentucky, Tim joined the Nelson Insurance Agency as an independent agent/broker in January of 2009, with an ownership interest in his accounts. Tim is licensed both in Property & Casualty and Life & Health lines of coverage; however he specializes in Employee Benefits for the small and large group markets. Tim has particular expertise in self-funding and partially self-funded as well as Consumer-Driven Health Plans such as Health Savings Accounts (HSA), Health Reimbursement Accounts (HRA) and Flexible Spending Accounts (FSA). With this expertise, Tim has a successful and proven track record of helping our clients save and control a large percentage on their health insurance premiums. By educating our clients about self-funding and other options, Tim also has been successful in making our clients more attractive in the insurance market place which, in turn, enables them to be more selective regarding their options of insurers.
Tim also works extensively with individuals utilizing his roots in the financial industry and specializes in Annuities and Life insurance for their Secure, Predictable and Proven long-term investment strategies.
Tim has been an active member in the local chapter of Associated Builders and Contractors as well as the J-Town Chamber of Commerce and Greater Louisville, Inc.