Tennessee’s life insurance laws are governed by Title 56 of the Tennessee Code.
- 10-day free look period (TN Admin Code 0780-01-40-.02)
- 31-day grace period for all payments except the first one (TN 56-7-2305)
- Insurers are required to pay interest on death benefits beginning 15 days after the insured’s death (TN 56-7-315)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Texas’s life insurance laws and Utah’s life insurance laws are nearly identical to those of Tennessee).
How Much Is A $10,000 Whole Life Policy In Tennessee?
The table below shows the rates by age of $10,000 of whole life insurance in Tennessee.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.57 | $17.35 | $14.19 | $16.35 |
| 25 | $15.75 | $18.11 | $14.69 | $16.92 |
| 30 | $17.09 | $20.31 | $16.21 | $19.21 |
| 35 | $19.04 | $21.70 | $17.36 | $20.77 |
| 40 | $20.53 | $25.41 | $20.20 | $23.74 |
| 45 | $24.29 | $29.42 | $22.23 | $27.64 |
| 50 | $27.37 | $34.09 | $24.86 | $31.81 |
| 55 | $32.05 | $39.80 | $28.07 | $36.95 |
| 60 | $38.69 | $47.46 | $33.20 | $42.02 |
| 65 | $48.05 | $57.93 | $40.84 | $50.85 |
| 70 | $60.39 | $71.19 | $52.38 | $60.64 |
| 75 | $97.78 | $133.12 | $71.15 | $95.12 |
| 80 | $134.71 | $182.25 | $97.78 | $135.81 |
| 85 | $187.89 | $258.32 | $132.17 | $192.44 |
Best Life Assurance In Clarksville
Clarksville, nestled in the heart of Tennessee, offers a unique blend of historic charm and modern vitality. This picturesque city, positioned near the confluence of the Cumberland and Red Rivers, boasts a rich history, dating back to its establishment in 1785. Known for its role in the Civil War and as a hub for the tobacco trade, Clarksville has evolved into a thriving community. Today, it serves as a gateway to the natural beauty of the state, offering lush parks, scenic trails, and access to outdoor adventures. Its vibrant downtown area, filled with local shops, art galleries, and diverse dining options, reflects its cultural richness. Clarksville also prides itself on being home to Austin Peay State University, contributing to its lively and youthful atmosphere. With its blend of historical significance, natural beauty, and educational opportunities, Clarksville stands as a testament to Tennessee’s enduring spirit and appeal.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Clarksville Insurance Agency | 715 W Main St | +14797543473 |
| Lighthouse Insurance Group | 1860 Wilma Rudolph Blvd #107 | +19312413062 |
| Nussbaumer Insurance | 212 Madison St # 101 | +19316473541 |
| Mid South Insurance | 35 Crossland Ave | +19315520874 |
| Protected Insurance Dana Dunn Dewberry | 1310 Madison St | +19315429388 |
| Shelter Insurance – Freddie Hoard | 138 Center Pointe Dr Ste D1 STE 1 | +19316482275 |
| Shelter Insurance – Shawnee Bledsoe | 120F Merchants Blvd | +19313785212 |
Best Coverage In Chattanooga
Nestled along the picturesque Tennessee River and surrounded by the rugged Appalachian Mountains, Chattanooga is a city that effortlessly blends natural beauty with urban sophistication. Known as the “Scenic City,” Chattanooga has transformed from its industrial roots into a vibrant hub for outdoor activities, arts, and cultural experiences. It boasts renowned attractions such as the Tennessee Aquarium, the historic Chattanooga Choo Choo, and the Lookout Mountain, where visitors can explore Ruby Falls, Rock City, and the Incline Railway for breathtaking views. With its innovative Gig City status thanks to ultra-fast internet speeds, Chattanooga attracts tech companies and remote workers alike, contributing to its growing economy. Whether you’re drawn to its Civil War history, its thriving downtown riverfront, or its endless outdoor adventures, Chattanooga offers a captivating blend of past and present for explorers and residents alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Ariel Long, Bankers Life Agent | 1301 Riverfront Pkwy Ste 100 | +14237561607 |
| Gary Hathaway Insurance | The Lee Building, 122 Lee Pkwy Dr # 200 | +14234999615 |
| Pacific Insurance Agency Chattanooga | 6400 E Brainerd Rd # 140 | +16157227547 |
| Stability Insurance Agency TN | 1721 Julian Ridge Rd | +14239228681 |
| US INSURANCE AGENCY CHATTANOOGA | 720 Walnut St | +14239229401 |
| Nicholas Maclellan, Bankers Life Agent | 1301 Riverfront Pkwy Ste 100 | +14237561607 |
| First Volunteer Insurance | 4757 TN-58 | +14236684621 |
| Cole Nichols, Bankers Life Agent | 1301 Riverfront Pkwy Ste 100 | +14237561607 |
| Horsepower Insurance | 345 Frazier Ave #103 | +17206816794 |
| Brownie Au – State Farm Insurance Agent | 833 McCallie Ave | +14232667361 |
| Shelter Insurance – Bob Standifer, Jr. | 4830 TN-58 Ste 118 STE 118 | +14238999142 |
| Bradley Thompson, Bankers Life Agent | 1301 Riverfront Pkwy Ste 100 | +14237561607 |
| Globe Life Liberty National Division: Stephanie Jackson | 7625 Hamilton Park Dr #14 | +14238559245 |
Best Policies In Knoxville
Knoxville, nestled in the Great Smoky Mountains of Tennessee, offers a perfect blend of natural beauty, rich history, and vibrant culture. Known as the gateway to the Smoky Mountains, it captivates visitors with its stunning landscapes and outdoor adventures. From the historic Market Square to the World’s Fair Park, Knoxville boasts an array of attractions, including the Sunsphere with its panoramic views. The city’s strong cultural scene is evident in its theaters, museums, and galleries, alongside a thriving culinary scene. With its warm southern hospitality, Knoxville provides a welcoming atmosphere that makes it an unforgettable destination for all who visit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Monumental Life Insurance Co | 217 Fox Rd | +18652643510 |
| First Volunteer Insurance Agency | 2367 Callahan Dr | +18666684900 |
| Holland Insurance Services | 8200 Kingston Pike | +18656916642 |
| Cates Insurance Agency | 7347 Middlebrook Pike Suite B | +18652344134 |
| Hancock & Associates, Inc | 8200 Kingston Pike UNIT 21 | +18652767016 |
| Independent Insurance Consultants | 9724 Kingston Pike #1200 | +18656915571 |
| The McCullock Agency | 4620 Old Broadway STE 101 | +18658019977 |
| Knoxville life insurance | Bradley Bell Dr | +13044163157 |
| Privett Insurance Group | 105 Center Park Dr #102 | +18658624858 |
| Russell Rickard: Primerica- Financial Services | 124 Perimeter Park Rd #102 | +18652476361 |
| Shelter Insurance – Elaine Q. Shipe, Cpiw, Lutcf | 3208 Tazewell Pike Ste 102 STE 102 | +18656877701 |
Best Life Cover In Memphis
Memphis, nestled along the mighty Mississippi River in southwestern Tennessee, is a city rich in history, culture, and sound. Famed for being the birthplace of blues, soul, and rock ‘n’ roll, Memphis boasts landmarks like Sun Studio, where legendary artists such as Elvis Presley and Johnny Cash recorded iconic tracks, and the Stax Museum of American Soul Music. The city is equally renowned for its pivotal role in the civil rights movement, with the National Civil Rights Museum at the Lorraine Motel offering a deep dive into America’s past. Apart from its vibrant music scene and historical significance, Memphis dazzles with mouthwatering barbecue cuisine, scenic riverfront vistas, and a warm, welcoming atmosphere. Whether you’re exploring Beale Street’s lively entertainment district, visiting the majestic Graceland mansion, or engaging with the city’s rich cultural tapestry, Memphis promises an unforgettable experience filled with soulful rhythms, profound history, and authentic Southern charm.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Prestige Insurance TN | 2241 Elvis Presley Blvd | +19015579746 |
| Insurance Agency Tennessee | 1390 Airways Blvd | +19015576638 |
| Elliott Properties and Insurance Services | 5774 Rayben Cir | +19018420000 |
| Liberty Mutual Insurance Dustin Hopkins | 6060 Poplar Ave #301 | +19012121797 |
| Lexico Insurance Options | 3181 Poplar Ave | +19014178578 |
| Allen’s Affordable Insurance | 5300 Cottonwood Rd Ste 3 | +19014013226 |
Best Life Insurance In Nashville
Nashville, the vibrant capital of Tennessee, is renowned as the heart of the country music scene, epitomized by the legendary Grand Ole Opry House, the Country Music Hall of Fame and Museum, and a myriad of honky-tonks and bars that feature live music. Dubbed “Music City,” Nashville is not only a pivotal cultural and entertainment hub but also boasts a rich historical tapestry, with sites such as the historic Ryman Auditorium and the Johnny Cash Museum. Beyond its musical heritage, Nashville offers a diverse array of attractions, including sprawling parks, contemporary art galleries, and a burgeoning culinary scene, making it a dynamic destination for travelers and locals alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Elite Insurance Agency TN | 2525 Lebanon Pike | +17312900970 |
| Universal Insurance Agency | 392 Harding Pl #250 | +16154572458 |
| Best Savings Insurance TN | 2401 White Ave | +16159141829 |
| Hustle Insurance Nashville | 1913-1915 Church St | +14236170934 |
| Citadel Insurance Co | 630-634 Melrose Ave | +14235281160 |
| Music City Insurance & Finance | 2720 Nolensville Pk # 201 | +16152488899 |
| Jeff Summers – State Farm Insurance Agent | 3805 Charlotte Ave | +16153203016 |
Top Life Insurance Companies In Tennessee
For the residents of the great state of Tennessee, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
Very low prices
No medical exam
Flat, never-increasing premiums
No waiting period
Underwriting has become stricter (e.g., no insulin)
Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
Excellent customer service
No medical exam
Flat, never-increasing premiums
No waiting period
Moderately strict underwriting
Aetna

“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
Lenient underwriting
Shortest application, industry-wide
Automated underwriting (approval potentially in minutes)
No medical exam
Flat, never-increasing premiums
N/A
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.