Best Life Insurance In Tennessee

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

What’s My Rate?
[comp-calculator-policy-cards company=”Transamerica” identifier=”transamericaWL”]


Approved Conditions
No approved conditions found.

Declined Conditions
No declinable conditions found.

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

What’s My Rate?
[comp-calculator-policy-cards company=”Mutual of Omaha” identifier=”mooWL”]


Approved Conditions
No approved conditions found.

Declined Conditions
No declinable conditions found.

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

What’s My Rate?
[comp-calculator-policy-cards company=”Aetna” identifier=”aetnaWL”]


Approved Conditions
No approved conditions found.

Declined Conditions
No declinable conditions found.

You Won't Find A Lower Rate

Please select a state.

Choose kindness.

You never know what battles people may be fighting.