About Pancoast - Pancoast Benefits

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Years of Experience

A Local Legacy with Lasting Impact

Pancoast Benefits has proudly served Middle Tennessee and beyond for 40 years, helping small businesses, nonprofits, and multi-state companies navigate the complexities of employee benefits with clarity and compassion.

Founded in 1985 by legendary SEC football coach and HR executive Fred Pancoast, the company was built on a simple belief: people matter more. From day one, our work has been about serving people, not just plans.

Today, Pancoast is a trusted Nashville-based health insurance broker and benefits partner known for personalized support, forward-thinking strategies, and deep local roots. We’re not just here to help you offer benefits, we’re here to help your people and your business thrive.

“When I joined Pancoast, what stood out to me immediately was how seriously this team takes its responsibility to clients. That mindset drives how we operate, invest, and grow.”

– Ward Chaffin, CFO

“Serving as an advocate to help employees navigate the confusing world of insurance is a rewarding experience. I can feel the weight lift off their shoulders when I tell them we can help with anything from simple questions to complex claim issues and that they do not have to deal with the insurance company all alone.”

– Sara Walton, Account Manager

“At Pancoast Benefits, customer service isn’t just about solving issues. It’s about building relationships and understanding needs. Every day is an opportunity to make a difference.”

– Karin Reece, Account Manager

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What Drives Us

At Pancoast, we know results come first — especially when you’re managing a budget, a team, and a growing business. That’s why we design our benefits strategies to deliver measurable outcomes: lower costs, fewer issues, and a better experience for your team.

But results are only part of the equation. We also believe how you get there matters.

Our clients choose us because we combine smart, data-informed strategy with a service model that’s personal, responsive, and built on trust. You’ll know our team by name, and they’ll know yours.

We support employers and individuals with:

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Streamlined HR technology

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Modern HR technology and compliance support

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Concierge-level service for employees and HR teams

We’re proud to be more than a broker. We’re your behind-the-scenes partner, solving problems before they start and staying by your side long after open enrollment ends.

Our Clients Stick Around

Client Loyalty That Speaks for Itself

Client relationships rarely last a decade in our industry – but most of ours do. With a retention rate above 97%, we’re proud to be the exception. That kind of long-term loyalty doesn’t happen by accident; it happens because we keep earning it, year after year.

Our clients trust us to deliver results, simplify complexity, and treat their people like our own.

We’re proud to work with organizations across industries, including:

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Healthcare

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Music and Entertainment

Manufacturing

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Retail

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Restaurants

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…and many more.

A 40-Year Milestone

In 2025, we celebrate 40 years of service in employee benefits.

What started with a former football coach and an idea has grown into a boutique firm that blends strategic insight with the personalized support today’s employers need most.

Learn More About Fred Pancoast

We’re celebrating four decades of:

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Championing HR professionals and CFOs

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Helping clients lower benefits costs while improving coverage

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Taking the stress out of compliance and administration

Why Pancoast?

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Local roots, real relationships

We’re based in Nashville and proud to support the communities we live and work in.

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Responsive, not reactive

Our team anticipates client needs, so you’re never left waiting for answers.

Technology with a human touch

We provide modern tools for HR and compliance, backed by real people you know by name.

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No red tape. Just results.

We help you streamline benefits, reduce costs, and stay compliant — without adding to your to-do list.

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Ready to see the Pancoast difference?

Trust is at the heart of everything we do. In fact, recent studies show that employees who trust their employers are more engaged, more productive, and more likely to feel cared for, and it starts with how their benefits are handled. That’s why we’re here, ready to listen and help.

Let’s start a conversation about your goals.

Schedule a free consultation to explore how we can help.

Book a Consultation