Today we’d like to introduce you to Luke Somerfield.
Hi Luke, we’d love for you to start by introducing yourself.
Well I was born and raised in the foothills of the smoky mountains, in Sevierville, TN. I came to Middle TN to attend college at MTSU from 04-08, where I studied psychology and business. I thought about going for a masters in and becoming a therapist, but decided to take a breather from school and got into a sales career not long after I moved to East Nashville, in 2009.
I became connected with a home security company called Power Home Technologies, and worked with them for 8 years where I was one of their lead Life Safety Consultants, but also managed their TN Builder Division program where we were the low voltage vendor (technology, information, and security) for numerous new communities being built in Middle TN. They sold the company to go into the Solar business, which steered me in a new direction working as sales reps for Rainsoft by American Home Design for a little over a year, and then Power Home Solar. Solar in TN just doesn’t make sense yet and we parted ways at the end of 2020.
At that point I wanted to look for something a little different that selling in the home, something with more potential for residual income, and more autonomy to work for myself. Someone I know had been doing health ins. for a while and even helped me with my own policy. They seemed like they’ve had success and enjoyed it, so I went by and chatted with them, and decided that this sounded like a great fit. Not only was the financial opportunity there, but there was an opportunity to really help people navigate the healthcare space and improve their own understanding and ability to navigate our complex healthcare system.
After a year or so in the office working with one particular type of ins product, I decided to form my own LLC, and start my own company, Custom Health Advisors. Since I’m an Independent Advisor, I’m able to shop more plans, both public and private, and since I work for my clients, not an Ins Company, I’m able to have transparent and collaborative conversations with my clients, not sales-focused ones. This has been instrumental and transformative in how I approach my consultations, but how I nurture my relationships with my clients, and why I have a growing book of business in 28 states, not just here in TN.
Would you say it’s been a smooth road, and if not what are some of the biggest challenges you’ve faced along the way?
Starting a new career is always challenging, esp with the detailed learning curve of Insurance or Finance. I feel like i’m always learning something new, and with the ever-changing landscape of our healthcare system, there’s always things to stay up on.
Also, starting an Insurance business is very financially rigorous as well, as the majority of your business has to come from expensive internet-based lead vendors, who connect people needing insurance with agents. In theory nice, but the lead vendors sell the information to so many different agents, the experience is highly negative for consumers and agents who spend lots of money on the leads only to have people say they’re not interested, etc.. So working through that process the first few years was challenging, expensive, and time consuming.
Now I’m happy to report, I have not purchased a Lead in the entirety of 2025, and don’t plan to going forward. All my business is coming from local advertising in around Nashville with Living Social Bathroom Ads, Radio ads on Lightening 100 as well as 102.9 The Buzz, people finding me on Google and using AI to search the web, and from referrals from my happy clients.
Alright, so let’s switch gears a bit and talk business. What should we know?
I’m an Independent Health Insurance Advisor, or Broker. I’m able to shop both public and private ins. plans, and I specialize in helping Individuals, Families, and Small Businesses under 50 employees, navigate the complexities of the American Healthcare System.
Since I’m self-employed, I work for my clients, not an Insurance Company. This means I will always have transparent, collaborative, and pressure free consultations with my clients, and I will always put their needs first, regardless of where the coverage comes from. I believe this truly sets me apart from other Insurance Agents out there who are typically sales-driven, and are not always transparent with my clients. I believe this is why my clients trust me, and refer me to their sphere’s of influence.
I’m very proud of my reviews on my google business page. They’re from clients all over the country, and they speak honestly about their experiences, and that has been really helpful as I’m beginning to scale my business,
Is there anyone you’d like to thank or give credit to?
Yes, of course.
*My wife Alyssa has been so supportive through all the changes and challenges that come with starting your own business.
*My US Health Leadership Team of Andrew Montague, Frank Bakirtzis, Bryan Dobbs, Corey Senseman, Matt Bartgis, and others have been so supportive and available to help with getting this thing off the ground, both with their knowledge, time, and finances. Couldn’t have done it without them.
*My Parents Dan and Shawn have been so supportive my entire life, and that has never let up. They’re the best and I’m so lucky to be their son.
Pricing:
- Insurance rates are relative to numerous factors – age, zip code, deductible, out of pocket max, Prescriptions, networks, etc.. Which is why it’s important to have an expert helping you decide.
- Rates will also vary wether the coverage is Underwritten (application based and less expensive) or Guaranteed Issue (covers all Pre-existing conditions, but more expensive))
- Higher the monthly premium, the lower the deductible, and vise versa.
Contact Info:
- Website: https://customhealthadvisors.com
- LinkedIn: https://www.linkedin.com/in/luke-somerfield/
- Yelp: https://www.yelp.com/biz/custom-health-advisors-nashville-davidson-metropolitan-government-balance?utm_campaign=www_business_share_popup&utm_medium=copy_link&utm_source=(direct)
