Tennessee Life Insurance

Find the right life insurance policy for you.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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Residents of Tennessee understand the importance of family values and caring for those who depend on them. Unfortunately, one in three Americans feels the need for more life insurance; and in Tennessee, these numbers may be even higher. Life insurance is an important way to care for the ones you may leave behind. If you have loved ones who rely on you for care or financial stability, you owe it to yourself and to them to start reviewing life insurance policies and quotes as soon as possible.

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Although life expectancy rates in Tennessee are lower than the national averages, residents of this state are still statistically more likely to live well into their golden years. However, there are no guarantees in life, and accidents and unexpected ailments can sometimes strike during the prime of life. If you have loved ones who depend on you, it is very important that you think about their financial welfare in the event of your untimely demise.

If you die prematurely due to an illness or accident, a suitable life insurance policy can ensure comfort and financial safety for your family so that they can continue to maintain their standard of living, both immediately after your death and well into the future. If you are a TN resident who is young and healthy, you probably do not see yourself as having a pressing need for life insurance; however, it is during this time in your life that you can purchase a policy at the most affordable rate. If you wait until you are older or until you have a serious disease, you may find that a good policy is simply unaffordable. When it comes to life insurance coverage, procrastination is never a good idea.

It is also worth noting that Tennessee ranks third in the nation for premature deaths caused by influenza and pneumonia. You may want to consider getting the flu or pneumonia inoculation once a year if you do not do so already.

For many people who are considering life insurance for the first time, the decision about what type of policy to purchase can be a difficult one. Residents of Tennessee can choose to purchase either term or permanent insurance. Even so, within those two major policy types, there are still other hybrid-type policies. Some people swear by term insurance, while others tout permanent policies as the best choice. There is no right or wrong answer when it comes to which type is best for you.

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Term policies provide you with coverage for a given number of years, referred to as a term. Term policies typically last for anywhere from 5 to 30 years, but insurance companies can be flexible with regard to the term. Once the term is up, the policy expires and ceases to be.

Permanent policies, which include whole life and universal life insurance, do not expire. They stay in effect for as long as you continue to make payments on your premiums. You will do best to purchase a permanent policy while you are young so that you can lock in low rates and retain those rates for the rest of your life.

Life insurance companies base their rate calculations on several different factors. When you call your agent to request quotes, you may get approximate rate quotes based on your age and the size and type of policy you want to buy, but many companies will not give you an actual, final rate until after you have completed a health history questionnaire and have passed a physical examination that includes blood tests. A number of factors go into calculating life insurance rates, but the four most influential factors are the following:

Tobacco users get much higher rate quotes than non-users because smokers compromise their health and longevity by smoking. Blood work can detect nicotine in your system, and an early smoking-related death can nullify your policy if you are listed as a non-smoker, so do not lie when asked whether you use tobacco products.

Save on Life Insurance

Our independent agents shop around to find you the best coverage.

You may find it perplexing when you are trying to decide how much coverage you need or what type of life insurance policy is best for you and your family. In that case, you can benefit from working with a knowledgeable, independent insurance agent in our network. These agents, many of whom are located throughout Tennessee, can answer your insurance-related questions and can provide you with a selection of policies and quotes for your review.

For more information, contact an agent in Tennessee so you can start comparing life insurance policies and quotes.

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