Local Insurance Agents, White House


Ken Duley Insurance Agency has served White House, Tennessee, for over 35 years. Behind this agency is a dedicated team of four insurance professionals—Ken Duley, Mary Ann Short-Phipps, Allegra Kenitzer, and Tiffany Wynne—who have built their careers helping Middle Tennessee families make smart coverage decisions. Here's their story.

35 Years Serving Middle Tennessee Families


Unlike national carriers or online-only marketplaces, we are physically rooted in the community it serves: the same ZIP codes, the same county seats, and the same neighborhoods where its clients raise families and run businesses. When you call, you reach a person who knows Robertson County and Sumner County the way you know your own street.

We compare plans from multiple providers to help clients find coverage that fits their individual needs. Whether you're choosing health coverage, planning for retirement, or protecting your family's financial security, we take the time to understand your needs and help you make an informed decision. That's why so many clients trust us with their supplemental insurance and Medicare coverage needs.

The People Behind Ken Duley Insurance Agency


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Ken Duley, Licensed Agent

In the insurance industry since 1992, Ken Duley has built his career around one simple principle: helping people. Based in White House, Tennessee, Ken works with individuals, families, and small businesses to navigate the often-confusing world of insurance and Medicare to find coverage options that fit their needs and budgets. 


Ken specializes in health insurance, Medicare, life insurance, and supplemental coverage. He believes that choosing insurance shouldn't feel overwhelming. His approach is personal and straightforward: listen to each client's concerns, explain the available options, and help them make informed decisions with confidence. 


A longtime Tennessee resident and graduate of Tennessee Tech, Ken is proud to serve the Middle Tennessee community. Outside of work, he enjoys spending time with his wife, Carla, their twins, and his grandchildren. His commitment to helping others extends beyond his business through his community involvement and service to others. 


For Ken, insurance is about more than policies and premiums. It's about people, relationships, and providing guidance when it matters most. 

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Mary Ann Short-Phipps, Licensed Agent

Mary Ann Phipps is a licensed insurance agent with Ken Duley Insurance Agency, where she has been helping individuals and families navigate their insurance options since 2018. A Medicare expert, Mary Ann specializes in helping clients understand their Medicare choices and find coverage that fits their individual needs. She also assists clients with health insurance, including Marketplace plans, as well as supplemental coverage such as dental and vision insurance and life insurance.

Mary Ann’s dedication to her clients and expertise in the insurance industry have earned her recognition as a Top 10 Agent with HealthSpring during the 2025 Annual Enrollment Period. She has also been in the Marketplace Circle of Champions since 2024.


Originally from Sneedville, Tennessee, Mary Ann is passionate about serving and staying connected to her local community. She is active with the Chamber of Commerce and BNI, where she enjoys building relationships with local professionals and businesses.


Outside of work, Mary Ann is a proud mom of three daughters. She enjoys spending time cheering them on as they ride horses and play volleyball. Her family also includes four cats and her dog, Copper. When she has some downtime, Mary Ann enjoys getting lost in a good book or relaxing with her favorite video games.



With years of experience, a strong connection to her community, and a genuine desire to help others, Mary Ann is committed to being a trusted resource for her clients and making insurance easier to understand.

Three people behind a vendor table under a gray tent with a green tablecloth and fresh produce.

Allegra Kenitzer, Licensed Agent

Allegra Kenitzer has been working in the insurance industry since 2021. She enjoys helping people understand their insurance and sharing her knowledge so they can feel confident in the decisions they make. Building relationships with people and being able to help when they need it most is one of the things she enjoys most about her work.


Outside of work, Allegra is a mother of two and spends much of her free time with her children. She enjoys taking them to their extracurricular activities, going to movies and parks, visiting art galleries, and doing art projects together at home. She also enjoys playing the piano, spending time outdoors, and being in nature.


Allegra loves being part of her community and making connections with the people around her. Whether through her work, her family, or her involvement in the community, she enjoys helping others and sharing what she knows. She brings that same approach to her work in insurance and looks forward to continuing to learn, help others, and grow alongside the people she serves.



Three people behind a vendor table under a gray tent with a green tablecloth and fresh produce.

Tiffany Wynne, Agent Assistant and Client Advocate

Tiffany Wynne has been an agent assistant at Ken Duley Insurance Agency since 2023. She is the backbone that keeps things running behind the scenes. Tiffany enjoys helping friends, families, and members of the community with their healthcare needs. She is passionate about making sure people feel supported and cared for when navigating their insurance options. She is active with the local Chamber of Commerce and her church. Outside of work, she is happily married with two daughters and two sweet dogs who keep life fun and full of love!

Licensed and Accountable to You


The agents at Ken Duley Insurance Agency hold active certifications required to advise on Affordable Care Act Marketplace plans, Medicare products, and supplemental coverage. These certifications are renewed annually and require passing updated exams each enrollment year, which means the guidance clients receive reflects current plan structures and rules, not outdated knowledge from a prior cycle. Licensing across four states, Tennessee, Alabama, Kentucky, and South Carolina, means the agency can serve clients who live near a state line or who spend part of the year elsewhere.

  • ACA Marketplace Certification (active, annually renewed)
  • Medicare Supplement, Medicare Advantage, and Part D Certification (active, annually renewed)
  • Licensed in Tennessee, Alabama, Kentucky, and South Carolina
  • Licensed to advise on Medicare, health, supplemental, and life insurance products

What Sets OUR Agents Apart


If you've ever called an 800 number and felt like you were talking to a script, you already know the answer, but here it is in plain terms.

  • Does Working With a Local Insurance Agent Cost More Than Going Direct to a Carrier?

    No. Insurance agents are compensated by the carriers when you enroll in a plan, and your premium is the same whether you use an agent or apply directly. When working with us, You receive professional guidance, plan comparisons, and ongoing support without paying a separate fee for the service.


  • What Does It Mean to Work With Ken Duley Insurance Agency?

    Ken Duley Insurance Agency compares plans from multiple providers and recommends options based on your individual situation, coverage needs, and budget. We help you review your choices so you can select coverage that works for you and your family.

  • Can a Local Insurance Agent Help Me After I’ve Already Enrolled in a Plan?

    Yes. Ongoing service is part of what a local agent provides. Ken Duley Insurance Agency contacts clients when plan details change, helps with claims questions, and reviews coverage annually during open enrollment. The relationship doesn't end at enrollment; it continues as long as you need it.

  • How Do I Know if My Current Insurance Plan Is Still the Right One for Me?

    The best way is a free annual review with a licensed agent. Plans change every year, premiums, provider networks, and benefit structures all shift. A review takes 20-30 minutes and often identifies better coverage at the same or lower cost. Ken Duley Insurance Agency offers free reviews to all clients.

Licensed to Serve You Across Four States

Ken Duley Insurance Agency is licensed in Tennessee, Alabama, Kentucky, and South Carolina, giving clients consistent local guidance even if they relocate or split time between states.

States We're Licensed In

Tennessee

Alabama

Kentucky

South Carolina

States We're Licensed In

Our Licensed States

Tennessee

Alabama

Kentucky

South Carolina

Clients can be served over the phone in all licensed states: TN, AL, KY, and SC.

Licensed to Serve You Across Four States

Ken Duley Insurance Agency is licensed in Tennessee, Alabama, Kentucky, and South Carolina, giving clients consistent local guidance even if they relocate or split time between states.

Tennessee

Alabama

Kentucky

South Carolina

Clients can be served over the phone in all licensed states: TN, AL, KY, and SC.

Schedule Your Free Insurance Review


There's no obligation and no pressure. Ken Duley and Mary Ann Short-Phipps are ready to sit down with you, review what you're currently paying for, and tell you honestly whether there's a better option or confirm you're already in good shape.