WELCOME TO THE INSURANCE AGENCY THAT CARES!

LET’S GET YOU A QUOTE…

A vintage yellow car parked in front of a suburban house with manicured lawn, trees, and a driveway made of paving stones.

  • Homeowners

  • Renters

  • Personal Auto

  • Motorcycle

  • Investment Properties

  • Personal Liability

  • Recreational

  • Watercraft

  • Classic / Exotic

PERSONAL INSURANCE

A cowboy on horseback herding a large group of cattle in a grassy field.

  • Farm home, contents & personal property

  • Farm and ranch structures

  • Detached garages and other buildings

  • Personal property

  • Liability protection

  • Machinery and equipment

  • Livestock

FARM & RANCH INSURANCE

Group of four people in an office setting collaborating around a computer monitor, with sticky notes on the wall and office supplies on the table.

  • General Liability

  • Workers Comp

  • Professional Liability & E&O

  • Commercial Auto

  • Tools and equipment

  • Commercial Property

  • Business Owner’s Policy

BUSINESS INSURANCE

Stacks of gold coins with small trees growing on top, symbolizing financial growth, and a larger tree with hanging money bags, against a blurred background.

  • Life Insurance

  • Annuities

  • Retirement Planning

  • Indexed Universal Life (IUL)

  • Infinite Banking Concept (IBC)

  • Term Insurance

  • Post Employment 401k management

FINANCIAL SERVICES

Welcome to our community, where protecting your future is our passion and has been for over 14 years.

At our core, we aim to be more than just a service provider—we’re your partners in navigating life's uncertainties, offering guidance and insurance solutions tailored for YOUR peace of mind.

At Ratliff Insurance Agency, we help successful professionals and business owners take control of their financial future. With a focus on retirement income planning, tax-efficient strategies, and legacy protection, we simplify complex financial decisions so you can retire with confidence and freedom. Our mission is to turn uncertainty into clarity—so you can live fully, protect your wealth, and leave a lasting legacy.

We proudly serve clients all across the United States, offering personalized solutions including annuities, life insurance, 401(k) rollovers, Roth IRAs, IULs, and more. Whether you're aiming to retire early, reduce taxes, or create a lifelong income stream, we're here to guide you every step of the way.

ABOUT US…

Meet the Team

Jaidyn Branom

Customer Support Specialist

RatliffAgency@american-national.com

TJ Ratliff

Agency Owner and Agent

TJ.Ratliff@american-national.com

Kaila Menz

Customer Support Specialist

Ratliff.Team@american-national.com

Not ready for a quote yet?

Let’s set up a quick call to discuss your personalized needs

Finding the right insurance plan should never be a hassle, and we're here to make it straightforward and easy for you. Schedule an appointment with our experts today and let us guide you through tailored options that perfectly fit your needs.

Contact Us

Want to speak to an actual person? We love that!

Just share a few details, and we'll be in touch soon. We're excited to connect with you!