Athens Insurance Executive Team


Allen Carter, Owner

Allen has a Bachelors of Science in Business Administration from the University of Tennessee. Allen began his insurance career in 1996 and received his Certified Insurance Counselor (CIC) designation in 2005. He became co-owner of Athens Insurance in 1999 and later became the sole owner in April 2009.

He serves on the boards for the YMCA, Living Heritage Museum, the United Way, and the Tennessee Wesleyan College Board of Trustees, as well as, a member of the Athens Federal Foundation. Allen also serves on the Tennessee Historical Commission. As a service to Athens Insurance clients, Allen and his staff host an annual Dove Hunt on a private farm.

Allen and his wife, Tara, have two daughters and one son. Allen enjoys duck, dove and deer hunting, as well as fishing.


Marie McDonald, President

Marie joined Athens Insurance in June of 1968 as a personal lines underwriter. She has worked in all departments of the agency, primarily working in commercial lines and claims before moving into management in 1998. She completed the 3 parts of the General Insurance Course by the Insurance Institute of America, received the Accredited Advisor in Insurance (AAI) designation, the Certified Insurance Service Representative (CISR) designation and has completed 5 parts of the Chartered Property and Casualty Underwriter (CPCU) classes.

During her employment with Athens Insurance, she has served on several Insurance Company Advisory Committees and Panels which included studying the products, services and technical issues of the insurance companies. Marie has also served on several community boards and is currently involved with the local YMCA Board of Directors.

Marie and her husband, Fred, have two children and four grandchildren. She enjoys playing golf, all water sports, including scuba diving, and hiking.

Sales Producers

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Charles Heath McKeehan

Heath attended Middle Tennessee State University and started his professional career in the family business, McKeehan Chair Company. With furniture manufacturing predominantly moving outside the United States, Heath decided to make a career move and joined Athens Insurance Agency in March of 2002. Heath serves on the BlueCross Blue Shield of Tennessee “Broker Advisory Council”. Heath and his wife Heather have three daughters. He is a licensed pilot and an avid golfer.

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S. Jason McConkey

Jason attended Tennessee Wesleyan College where he earned his Bachelor’s Degree in Business. While obtaining his Masters in Business Administration from the University of Tennessee, he worked as a licensed contractor, specializing in custom home construction. Jason began his career at Athens Insurance in 2006. He participates in the Boy Scouts of America annual skeet shoot and is a part of the Athens Insurance shooting team where he has placed first. Jason and his wife, Chrissi, have three daughters. He spends his free time hunting, fishing and working in his vineyard, Beaver Creek Vineyard.

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Christopher Liner

Chris joined Athens Insurance in August of 2009 after his family owned agency, Liner and Associates, was purchased by Athens Insurance. Chris has 24 years of experience in the insurance industry with an emphasis being in government and public sector accounts. Chris attended the University of Kentucky where he was the captain of the golf team from 1991-1993. Chris and his family are active members of Keith Memorial United Methodist Church. Chris is very active in the Athens community. He was elected four times to serve on the Athens City School Board where he was the vice-chairman of the board. He was a  board member for the 10th Judicial Childrens Advocacy Center, United Way volunteer, Athens Kiwanis Club, Chamber of Commerce volunteer and chairman of the "Athens Chamber of Commerce / Jimmy Liner Christmas Parade". In 2008 Chris was selected as the Athens Chamber of Commerce “Young Man of the Year”. Chris and his wife, LeAnn live in Athens and have four children: Mayson, Emily, Creed, and Ty.

Kathy Underwood

Kathy Underwood

Kathy began her insurance experience at age 17 working in her Dad’s insurance agency. After graduating from the University of Tennessee, Knoxville, with a BS Degree in Logistics, Kathy worked for companies such as United States Lines (Sales), Sara Lee (Distribution, Fleet and Safety Management), and GE (Inventory Control). For the past 8 years, Kathy has been helping employers reduce their healthcare cost, and assisting them in the overall management of their employee benefit programs. Joining Athens Insurance in 2009, opened opportunities to help employers with Commercial and Workman’s Compensation Insurance programs as well as Employee Benefits. Kathy resides in Knoxville with her two children.

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James Cogdill

James attended Walter’s State Community College, where he earned his associates degree in Turf Grass Management. While obtaining his Bachelor Degree in Business Administration at The University of Tennessee, Chattanooga, he worked as an assistant at The Champions Club in Ooltewah, TN. He then moved to Knoxville and began working at the Tennessee National Golf Club as an assistant superintendent. After working 8 years in the golf course industry, as an assistant golf course superintendent, James decided to make a career change and joined Athens Insurance in June of 2012. James and his wife, Sloane, live in Knoxville, TN and have two daughters. He enjoys being outdoors, spending most of his free time fishing, hiking, and landscaping.

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Cullen Trew

Cullen attended The University of Tennessee at Chattanooga, where he earned his Bachelors of Science in Business Administration in 2013. Upon graduation, he moved backed to Athens and began his career here with us at Athens Insurance. Cullen enjoys spending his free time outdoors playing golf, hunting, and fishing.  Cullen and his wife, Katie, have two sons, Cohen and Paxton.

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Crockett Shamblin

Crockett graduated from Cleveland State Community College in 1996 with an Associates of Science degree in Pre-Physical Therapy, and then attended East Tennessee State University. Crockett joined Athens Insurance in November of 2015, after previously working for Liberty Mutual Insurance as a Lead Sales Representative since 2004. Crockett has over 11 years of experience in the insurance industry with his emphasis being in Personal Lines. Crockett enjoys outdoor activities such as hunting, fishing, skiing, and running, but prefers to spend most of his free time investing in relationships with his family & friends.

Andy Crichton

Andy Crichton

Andy graduated with a Bachelor of Arts degree from Westminster College in 1995, soon thereafter began his insurance career with the Crichton Group in Nashville, Tennessee. In 2002 he returned to his hometown of Columbia, to begin a nearly fifteen year stint with a firm located there. He has been with Athens Insurance since September of 2016, and manages an office for them in Columbia. Andy and his wife Julie have two girls Sarah Ann and Perry. In his free time Andy enjoys music, sports and traveling with family and friends.

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Charles Mayfield

A native of Athens, TN, Charles received his Bachelor of Science in Management from Georgia Tech in 1997 and immediately began his career as a financial advisor with Prudential. He got his CFP® designation in 2004 from Duke University and cofounded a financial planning firm in Atlanta, GA. Charles has owned and operated a personal training gym and coauthored three cookbooks. In his spare time, he enjoys cooking and growing food, kettlebell training, Brazilian Jiu Jitsu and most anything involving being outdoors.

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Don Everett

Don became part of Athens Insurance after the purchase of Everett Insurance Agency in January 2017. He graduated in 1972 (BS) and 1974 (M Ed) from MTSU. He started his insurance career in 1977 with an Independent agency until opening Everett Insurance Agency in 2005. Don and his wife, Linda, reside in Lewisburg, TN where they enjoy all sports and the outdoors.

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David Liggett

David Liggett joined Athens Insurance in June of 2018 and has over 15 years of experience as a producer of personal & commercial lines insurance. His prior role, before joining with Athens Insurance, was as the lead sales representative for the local State Farm office in Lewisburg, TN, where he focused on the writing and servicing of auto, home, life, & health insurance as well as being certified in banking to write vehicle loans, savings and checking accounts, money market accounts, and certificates of deposit. Before deciding on a career in insurance, David attended Martin Methodist College for two years, where his focus was on Church Music. After returning home to Lewisburg, David graduated from Columbia State with an associate degree in science. David enjoys spending his free time with his boys and performing with his Folk/Americana band Good Medicine.


Jackson Guy

Jackson joined Athens Insurance in January of 2020. He graduated from Tennessee Tech University where he spent four years as a member of the Golden Eagle Football team as a quarterback. At Tennessee Tech, he earned his Bachelor’s Degree in Education with emphases in history and political science. He served as Vice President of the Student-Athlete Advisory Committee, which acts as a go-between for athletes and athletic administrators on a school and conference level. He and his wife Rachel live in Knoxville, TN and enjoy spending their free time outdoors, playing golf, watching sports, hunting, and staying active.


Seth Bohannon

Seth graduated from Cleveland State in 2006 with a business management degree. He then joined Liberty Mutual in 2007 as a producer in Chattanooga. In 2019 he joined Athens Insurance as a producer. Seth and his wife Jessica reside in Athens with their son Braylon and two daughters Kenleigh and Brinlee. Seth enjoys spending time with family, helping on the family farm and sports.


Gabriel Stulce


Reed Noyes


Sam Reynolds


Commercial Service Team

Phil Johnston

Phillip Johnston

Commercial Lines Marketing Agent

Phil joined Athens Insurance in 2010 as a commercial lines marketing manager after working with BB&T – Huffaker & Trimble for 8 years. Originally from Tampa, Florida, he received his Bachelor’s Degree in Finance from Southern University in 2001. In 2008, he received his Masters of Business Administration from the University of Tennessee. Phil and his wife, Hailey, currently reside in Ooltewah. They both enjoy outdoor activities such as golf, hiking and camping.

Melissa Bryson

Melissa Bryson

Account Manager

Melissa began her career at Athens Insurance in 1996. She completed her Certified Insurance Service Representative (CISR) in 2005 and provides customer support for contractors, municipalities, utilities and school board systems, as well as a variety of others. Melissa holds an Associates of Science degree in Accounting from Cleveland State Community College. Melissa and her husband, Jason have two children. She enjoys time with her family and loves the open road on her motorcycle.

Kim Stewart

Kim Stewart

Account Manager

Kim joined Athens Insurance in 1998 and has worked as a commercial lines account manager since 1999. She completed her Certified Insurance Service Representative (CISR) designation in 2003. Kim specializes in mid to large size commercial accounts, including financial institutions and construction risks. Kim attended Cleveland State Community College and enjoys spending time with her family. She is actively involved in her church.

Sarah Whatley

Sarah Whatley

Account Manager

Sarah joined Athens Insurance in 2008 as a commercial lines account manager. She manages all sizes of accounts for several producers in our office. She holds an Associates of Science Degree in Business Administration from Cleveland State Community College. Sarah and her husband Jake, enjoy exercising, gardening and rescuing animals.


Angie Cabrera

Account Manager

Angie is originally from Miami, FL and moved to Fort Myers, FL for college studying Health Sciences. She began working full time as a commercial lines CSR at an agency in Florida and fell in love with it. She recently moved to East Tennessee in April 2019 and began working at Athens Insurance as a commercial Lines CSR in May 2019. She loves the family feeling here and her job. When she is not in the office, she enjoys hunting, fishing, photography, spending time with family and shopping locally.

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Emily Wilhoit

Account Manager

Emily began her career in business at the age of 18 when she opened a local restaurant in downtown Athens. There she gained valuable experience in customer service. She joined our Athens Insurance Team as an account manager in the fall of 2013. Emily attends First Baptist Church of Athens, where she helps with the youth and teaches Sunday school for junior high girls. In her spare time she enjoys rock climbing with her husband Wes, playing tennis, boating, and cooking.

chae hart whitworth

Chae Hart-Whitworth

Account Manager

Chae began her insurance experience in 1996, after residing in West Tennessee and attending the University of Tennessee at Martin. She moved back to her home town of Franklin, Tennessee, where she embarked on a twenty-two year career in Insurance that includes Insurance Administration, Risk Management, Account Executive, Claims Adjuster, and Physical Premium Auditor. She joined Athens Insurance in May 2018 as a Licensed Commercial and Personal Lines Account Manager in the Columbia, Tennessee branch office. Chae and her husband, Todd have one son. She enjoys watching her son play sports, meeting new people, spending time with family and friends, music, nature and travel. Australia, Scotland, and Tuscany, Italy are on her bucket list!


Reba Mangrum

Account Manager

Reba has been a licensed agent serving Lewisburg since 1969. She has a grown daughter and son and seven grandchildren. She has been an employee of Athens Insurance since January 2017.
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Darlene Freeman

Claims Manager

Darlene, a Texas native and Cleveland State Community College graduate, joined Athens Insurance and became the Claims Manager in 2018. Her responsibilities include reporting both personal and commercial claims on behalf of the clients. Darlene works with the client and assists in completing all required information for the state as well as the insurance company. She also monitors the claim until its resolution. Darlene and her husband, Geoffrey, live in Athens and have six children—the last two are twins born in 2016. She enjoys spending time with her family, reading, and watching a variety of films and documentaries. During the school year, Darlene can often be found at a variety of school sport activities, and, during the summer, she can be spotted at minor league baseball games.


Shalyn Monroe


Employee Benefits Service Team

Brandy Roderick

Brandy Roderick

Senior Account Manager

Brandy joined Athens Insurance at the age of 17 working part-time while in high school and attending college at Cleveland State Community College, where she obtained her Associates of Science Degree. She has 13 years of employee benefit experience. She specializes in working with mid and large size groups in marketing, enrollments and service. Brandy has exceptional organizational skills and organizes our annual health and wellness fair for our local clients and seminars for all clients. Brandy and her husband, Lance have two children and enjoy family time on the weekends.

brandon shell

Brandon Shell

Account Manager

Brandon attended the University of Tennessee, graduating summa cum laude with a degree in Sport Management and Business. During his time at the University of Tennessee, he spent three years working in football operations. He continued his educational career at the University of Tennessee-Chattanooga, where he received his Master’s in Business Administration. Brandon joined our team in April 2013 and handles our individual life and health, small groups, and Medicare Supplement accounts. Brandon and his wife, Leanne, reside in Athens and have one daughter. He enjoys sports, cool weather, and spending time with family and friends.

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Kelsie Ervin

Account Manager

Kelsie earned her Bachelor of Arts degree from Tennessee Wesleyan College. After graduating from college, she continued working at Greeks Bearing Gifts where she gained valuable customer service experience. She joined Athens Insurance in February, 2016. She is a member of Athens Church of Christ. Kelsie enjoys creating art projects, shopping, and spending time with her husband David and family.

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Michelle Burns

Account Manager

Michelle joined Athens Insurance in February 2016 and works with individual life & health, small groups, and Medicare supplemental accounts. She began her business career locally in 1995 as an office manager with a temp service. Since then she has worked for different local physicians handling duties of front desk, insurance billing, and data processing. Michelle is an active member of Union McMinn Baptist Church. She enjoys watching her daughter play basketball, meeting new people, shopping, and spending time with family & friends.


Personal Lines Staff

Linda McKeehan

Linda Green

Account Manager

Linda is a local resident and a graduate from McMinn County High. She has worked in insurance for over 7 years and has been with Athens Insurance for 3 years. She has a secretarial degree. Linda has two children and they enjoy doing outdoor activities together.

Amber Robinson

Amber Robinson

Personal Lines Marketing Rep.

Amber began her career at Athens Insurance in 2002 working as a Commercial Lines producer for 5 years and transitioned into Personal Lines. She has a Bachelor of Science degree from Middle Tennessee State University. She attained the Certified Insurance Counselor (CIC) designation in 2005. She has been actively involved in the community, serving on the Board of Directors for the Athens-McMinn Family YMCA, serving as a team leader for the McMinn County Relay for Life and serving on the McMinn County Election Commission. Amber and her husband, Todd, have one child. She enjoys spending time with family, running, reading and baking.

kathryn richardson

Kathryn Richardson

Account Manager

Kathryn attended Tennessee Wesleyan University where she earned her Bachelor’s Degree in Exercise Science. She joined Athens insurance in August 2018. Kathryn and her husband, Hunter, have two children and reside in Athens. She enjoys spending time with family and friends, being outdoors, and exercising.


Mayson Gordon

Mayson Gordon attended Wofford College in Spartanburg, South Carolina and earned a Bachelor of Arts degree in English with a concentration in Film and Digital Media. While pursuing her degree, Mayson had the opportunity to play on the Women’s Soccer Team at Wofford College all four of her years. A native of Athens, she joined at Athens Insurance in September of 2020. She enjoys coaching soccer as an assistant at McMinn County High School, baking sweets, and spending time with her husband, Tristan. Mayson and Tristan are proud fur-parents of a sweet miniature schnauzer named Piper Ray.


Valentin Popescu

Valentin joined Athens Insurance in May 2021, as an intern in Personal Lines. He attends Tennessee Wesleyan University majoring in Business Administrations and plays on the Bulldogs tennis team. He is an active member of the Annunciation Greek Orthodox Church. Valentin enjoys spending time with his wife, Karla, playing tennis, and being in nature.


Tania Gomez


Codey McNeill


Alfred Cruz


Andrew Freeman


Agency Staff Members

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Betty Davis


Betty joined Athens Insurance in August, 1964, as the bookkeeper. Betty has seen a lot of changes to our industry. Originally, the agency had to invoice all customers. She has been instrumental in changing our accounting system, in moving the agency forward changing from agency bill to direct billing by the insurance carriers. She has transitioned to electronic banking. Due to being a part of these changes, Betty has a thorough understanding of the financial side of an agency. Betty resides in Etowah, Tennessee, and has 1 daughter, 4 grandchildren and 7 great grandchildren.

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Mary Ann Penley


Mary Ann joined the insurance industry in 2002 with The Insurance Agency of McMinn County. She began working for Athens Insurance in August of 2005. She has worked with personal and commercial accounts. Mary Ann’s pleasant voice and attitude make our customers feel welcomed to our office and appreciated as customers. Mary Ann and her husband, Ron, reside in Athens. They have two children and four grandchildren.


Ben Bright


Ben comes to Athens Insurance after working at the McMinn County Courthouse. He is a 2009 graduate of McMinn County High School and a 2013 graduate of Tennessee Wesleyan College. He graduated from TWC with a degree in Business Administration.

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Jeremiah Pemberton


Jeremiah joined the Athens Insurance team as an intern in 2015. After graduating with a Bachelor’s Degree in Business Administration from Tennessee Wesleyan College in May of 2016 he joined the team full time in the bookkeeping department. Jeremiah enjoys golfing, hunting, fishing, and spending time with friends and family.

joan moore

Joan Moore


Joan initially worked at Athens Insurance from 1975 until 1990, beginning as the receptionist and working into the position of Commercial Lines CSR/Marketing/ New Commercial Lines CSR Trainer. She left in 1990 to join her husband in expanding his business. After his death in early 2016, and the closing of the family business, Joan returned to work at Athens Insurance. She is now performing payroll/ HR, and reconciliation/accounting duties. The knowledge she gained from business ownership and managing accounting / payroll/HR duties has combined well with her knowledge of insurance from her previous time here at Athens Insurance. She is an active member of Keith Memorial United Methodist Church. Joan attended Tennessee Wesleyan (College) University, and both of her daughters are graduates of Tennessee Wesleyan (College) University.

larry wallace

Larry Wallace


Larry Wallace is a sixth generation native of McMinn County, Tennessee. He holds an Associate of Science Degree from Cleveland State Community College, A Bachelor of Science Degree in Criminal Justice from Middle Tennessee State University, and a Master’s Degree in Criminal Justice from Tennessee State University. He received an Honorary Doctorate of Public Administration from Tennessee Wesleyan College. Hi is also a graduate of the prestigious FBI National Executive Institute.

Larry began a forty-year law enforcement career in 1964 with the Athens Police Department. He was appointed as a State Trooper in 1967 and promoted to Special Agent with the TBI in 1973. He was appointed Colonel and Commanding Officer of the Tennessee Highway Patrol in 1987 and named Deputy Commissioner of the TN Department of Safety in 1988. IN 1992, Governor Ned Ray McWherter appointed Larry to a six year term as Director of the TBI, the highest ranking law enforcement officer in the state. Larry is the only person in the state’s history to serve as both Director of TBI and Colonel of the THP.

Larry and his family returned to McMinn County in 2004 and he joined the faculty of Tennessee Wesleyan College. He was the founder of the Criminal Justice major at TWC. Larry is currently an active member of the Tennessee Wesleyan University Board of Trustees. He is also the current Chairman of the Board of Directors of Athens Federal Community Bank and Athens Bancshares Corporation. Additionally, he is a member of the Athens Federal Foundation which annually provides substantial funding to area non-profit organizations. Larry is an active member of Keith Memorial United Methodist Church. Larry is an avid supporter of his three children, five grandchildren, and one great grandson.

In October 2017, Larry was invited to join the Athens Insurance Family. His initial goals included new and existing client relationships, mentorship of new sales agents, and to establish a public safety program. The public safety program focuses on reducing the frequency and severity of truck and auto accidents in the state of Tennessee and beyond. Larry considers this unique opportunity to be a signal honor.

(423) 745-3062



House # & Street
110 W Washington Ave
City, State Zip
Athens, TN 37303
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(423) 745-3062
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(423) 745-8888 (fax)


House # & Street
438 W Commerce St
City, State Zip
Lewisburg, TN 37091


Monday - Friday
700 North Main St
Columbia, TN 38401