Earl R. Whaley and Company has served community banks in Tennessee and the Southeast for over 44 years by providing insurance products underwritten by leading companies. We provide insurance products and services to financial institutions on a turnkey basis, with all administrative and claim functions being handled from our home office in Alcoa. We administer collateral protection programs--vehicle, mortgage hazard, hazard, flood--with automated document tracking system as well as blanket risk products. Additionally, we offer credit life programs through Mountain Life Insurance Company, where we pioneered the concept of credit reinsurance programs for community bankers and continue today to set the standard in service performance with term life insurance products designed specifically to be sold by bankers. We have a full array of products for consumer finance companies as well as provide flood determination services tailored for community banks through our subsidiary, CenterPoint Flood Services, Inc.