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Tennessee Life Insurance [2024]

Tennessee life insurance laws offer residents a 10-day free look period, 30-day grace period, and a guaranteed death benefit up to $300,000. TN life insurance may be similar to life insurance rates from other states.

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Written by:

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Reviewed by:

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

We offer Tennessee residents life insurance from several of the best TN life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your Tennessee life insurance rates to vary.

However, this guide should help you understand the differences in Tennessee life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Tennessee.

Before we dive into this guide, find affordable Tennessee life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Tennessee Life Insurance Quotes

We offer Tennessee residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.Read More: The Cost of Life Insurance

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Tennessee life insurance also offers residents a 10-day free look period, 30-day grace period, and a guaranteed death benefit up to $300,000. 

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Life Insurance Rates in Tennessee

For a ballpark figure of what Tennessee life insurance rates look like, check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers. Your Tennessee life insurance quotes may be different, especially if you smoke.

Also keep in mind that when it comes to Tennessee life insurance policies, term life is generally cheaper than whole life insurance policies. So, if you want a whole life policy, you can expect to pay more. 

In this next chart, you can also see how many Tennessee life insurance companies there are in comparison to other southern states.

Read more: South Carolina Life Insurance

As you can see in the above chart, 10 life insurance companies operate specifically in the state of Tennessee. 

By using our free quote comparison tool on this page, you can save money and get access to the best Tennessee life insurance.

Tennessee Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Tennessee, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Tennessee Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Tennessee life insurance claims and other related matters.

Guaranty Association

If you need information about a Tennessee life insurance or health insurance guaranty, contact the Tennessee Life & Health Insurance Guaranty Association at 1-615-242-8758 or visit the website.

Insurance Department

For the latest updates from the Tennessee Department of Commerce and Insurance, call 1-615-741-2218 or visit the website. Here, at the official Tennessee Department of Insurance, is where you’ll find information about all things State of TN insurance. Assistance with your Tennessee Department of Commerce and Insurance login may also be available via the contact methods listed.

Through the Tennessee Department of Commerce and Insurance license lookup, you can access information on any provider. Specifically, the State of TN license lookup or TN insurance license lookup is where you’ll find updated information on the status of any Tennessee life insurance company in Houston, Texas, or elsewhere in the state.

You can also access up-to-date information and resources about the State of Tennessee employee life insurance plans here as well.

Legal Info

QuickQuote is licensed to sell life insurance in Tennessee under Agency License Number 00005876.

The licensed company principal is Tim Bain, Agent License Number 844461.

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Tennessee Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in Tennessee. Get started now.

Frequently Asked Questions

What are the key features of Tennessee life insurance laws?

What are the key features of Tennessee life insurance laws?

Tennessee life insurance laws provide residents with a 10-day free look period, 30-day grace period, and a guaranteed death benefit up to $300,000.

Are Tennessee life insurance rates similar to rates in other states?

Are Tennessee life insurance rates similar to rates in other states?

Yes, Tennessee life insurance rates are generally similar to rates in other states, with a few exceptions.

How does the premium for a life insurance policy in Tennessee vary?

How does the premium for a life insurance policy in Tennessee vary?

The premium (cost) for a life insurance policy does not vary by state. It is the same regardless of which state you live in.

What factors affect the availability of life insurance companies in Tennessee?

What factors affect the availability of life insurance companies in Tennessee?

Not all life insurance companies are available in every state. Availability depends on whether a company has filed its products or rates with the State Insurance Department.

What is the Tennessee Guaranty Association and how does it protect policyholders?

What is the Tennessee Guaranty Association and how does it protect policyholders?

The Tennessee Guaranty Association is composed of insurance companies licensed to sell life insurance in the state. It steps in to protect policyholders and beneficiaries in the event of an insurance company’s insolvency, providing coverage and paying claims up to defined limits.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Written by:

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Reviewed by:

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

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Disclaimer: QuickQuote.com strives to present the most up-to-date and comprehensive information on saving money on life insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.

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