Affordable Insurance & Legacy Planning in Columbus, Ohio
At Carnell Cares, we help families and professionals protect their health, preserve their wealth, and plan for a lasting legacy.
Open Enrollment starts November 15 — don’t miss your chance to get covered.
Contact us:
Meet the Founder
Founder of Carnell Cares
Carnell Tate
Carnell Tate is passionate about helping families build secure, lasting legacies through the power of protection and purpose.
With years of experience in insurance and wealth planning, he founded Carnell Cares to bridge the gap between financial literacy and accessible protection for every household.
His approach is simple: educate, empower, and equip families with the right coverage so they can live with confidence.
✔ We partner with top-rated insurance carriers.
✔ We are licensed advisors committed to transparency and trust.
✔ We stand beside you through every life stage and transition.
✔ We customize coverage to fit your unique goals.
✔ We’re here for your peace of mind — today and for generations.
INDEPENDENT ADVANTAGE
At Carnell Cares, we deliver tailored solutions that fit every stage of life:
Health Insurance Solutions
Flexible protection for individuals, families, gig workers, and retirees.
Individual, Family & Medicare Plans – coverage that adapts with rising healthcare costs.
Gig Worker Plans – portable, affordable options for freelancers and contractors.
Build wealth while protecting loved ones.
Term, Whole, and Universal Life Insurance policies.
Caregiver Riders – long-term care options for families balancing children, parents, and personal health.
Retirement Income Planning
Confidence for every stage of retirement.
Guaranteed Income Options like annuities and structured plans.
Protection against inflation and unexpected expenses.
Capital Preservation & Wealth Building
Protect what you’ve earned and grow it with purpose.
Safe investment options designed to minimize risk.
Community Wealth Programs to help families close wealth gaps and build intergenerational equity.
Life Insurance & Legacy Protection
Services Overview
Comprehensive Solutions — coverage across health, life, retirement, and wealth-building
Tailored Planning — customized strategies that reflect family dynamics and goals
Legacy Focused — tools that secure financial stability and peace of mind
Community Impact — dedicated to closing wealth gaps and empowering underserved families.
Carnell Cares partners with churches, community centers, and local organizations to deliver education and planning resources. Our workshops and seminars focus on:
Financial literacy
Legacy planning
Wealth preservation across generations
Families trust Carnell Cares because we combine real-world experience, recognized professional credentials, and strong community partnerships.
Professional Certifications
Licensed Health & Life Insurance Professional
Memberships & Affiliations
U.S. Chamber of Commerce — Member
Strategic Partners
Sylvia A. Garrett Agency – Strategic collaboration for client education and insurance guidance.
Archway Title – Real estate & title services partner for clients needing protection during home transactions.
“Carnell Cares was honored with the Stellar Business Award for Best Insurance in Tennessee and Georgia, recognized for maintaining consistently stellar reviews and strong client satisfaction.”
“Founder Carnell Tate’s mission is simple but powerful: help everyday people secure peace of mind and build resilience, regardless of their circumstances.”
“Carnell Cares stands out in the industry for excellent customer service and a proven ability to deliver results.”
“Carnell Cares is known as an independent health insurance agent that simplifies the process and helps families find affordable coverage.”
“On Instagram, Carnell emphasizes the deeper meaning behind insurance: ‘Life insurance isn’t just paperwork. It’s peace of mind. It’s love in action.’”
