To contact Terri Hembree call her directly at 208-860-3699.

Terri Hembree

CRM Agent Terri Embree


Terri S. Hembree began her career in the mortgage lending field 42 years ago and worked throughout the industry from the ground up. Terri learned how to work with people to realize their dream of homeownership. After the downturn in 2008 and looking for a different career path, eight+ years ago Terri met her business partner, Craig Cheney, and together they embarked on a new career path in the advisory world, again, working with numbers and helping people stay “on track” with their hard earned savings. Five years ago Terri began working with Medicare clients and helping them understand their options in a very confusing world. Terri is also still licensed to help with client’s mortgage needs so it’s a “win, win” philosophy.

Contact Information

Office Hours

Monday – Friday
8:00am – 3:00pm

Message Me

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Ask Me About


I spend most of my time helping people with Medicare so I’m well-versed in navigating it’s ins and outs. I can guide you through the process so that you have the coverage that you need.

Retirement Income

If you’re retiring, you may not be able to rely on normal investing to provide an income once you’re no longer working. There are multiple ways we can work together to maintain financial stability during your retirement years.

Life Insurance/Final Expense

Life can be unexpected, and can also end just as unexpectedly. Having a protection plan in place can ensure that your family isn’t burdened with anything other than the grief of losing you.

Income Protection

If you had a machine in your garage that was printing $20 every hour for you (legally), would you insure it in case it broke down? Your job income works the same way. If you become disabled, injured, or sick, I can make sure your income is protected so your expenses can still be paid in the event of an accident.

Long-Term Care

People usually don’t think about needing Long-Term Care Insurance until it is too late. Medicare does not cover Long-Term Care, and state help will only cover it after you’ve spent down your assets. Having a policy in place protects your assets and helps to pay for Long-Term Care if the need ever arises.

Dental & Vision

Whether you need a filling or just a routine eye exam, I can help you find Dental and Vision coverage best suited to your needs!