Which Companies Offer Final Expense Insurance In Tennessee?
The federal government doesn’t dictate insurance law. It’s done at the state level. Therefore, funeral life insurance in the USA differs from state to state.
That said, the table below outlines some of the best funeral insurance companies in Tennessee.
How Much Does Burial Insurance Cost In Tennessee?
Generally, a $10,000 final expense insurance policy costs $50-$100 monthly.
However, your price varies based on your age, gender, health, state of residence, tobacco habits (if any), and the amount of coverage you choose.
How Do Burial Life Insurance Plans Work?
Final expense life insurance is a policy designed to pay for your end-of-life expenses. These are whole life policies, typically ranging from $2,000 to $50,000, with most insurance providers.
The cash payout is direct to your beneficiaries, who can spend the money on anything (not just funeral costs). Additionally, any remaining funds are theirs to keep.
Since the policy is a whole life insurance contract, the coverage remains in effect for the entire life of the insured. Additionally, the premiums remain fixed, and the policy will build cash value that you can withdraw at any time.
The requirements to qualify for a burial policy are very minimal. No medical exams are required, and you typically only have to answer some basic health questions.
At the same time, some policies offer guaranteed acceptance. Those don’t require answering health questions, so you cannot be denied due to previous medical issues.
Plans without health questions always have a two-year waiting period. Death from natural causes during the waiting period will only result in a refund of your premiums.
However, plans with health questions (if approved) have no waiting period.
How Much Does A Funeral Cost In Tennessee?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,615 |
| Direct Burial (No Service) | $4,774 |
| Cremation Service | $5,858 |
| Direct Cremation (No Service) | $1,933 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
|
The Free Look Period In Tennessee And The FTC Funeral Rule
In Tennessee, Title 56 of the insurance code requires that all life insurance contracts include a 10-day free-look provision. That clause grants you the right to return a policy for any reason and to receive a full refund of any money (if you made a payment).
Another law that will assist in the funeral planning process is the FTC Funeral Rule. This law requires funeral homes to provide consumers with written, transparent pricing information. Also, it grants consumers the right to select only the products and services they want from a funeral home. You don’t have to accept a funeral plan they may offer you.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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state level. https://www.iii.org/publications/commercial-insurance/how-it-functions/regulation
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Title 56. https://law.justia.com/codes/tennessee/2010/title-56/
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FTC Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 09/14/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (09/15/2024-09/15/2025).
- Data sourced from 2023 NFDA General Price List Study.
