--- title: Life Insurance in Clarksville, TN: Free Quotes and Local Facts url: https://coverfolk.com/states/tennessee/clarksville updated: 2026-10-08 --- # Life insurance in Clarksville, TN Get a free price from a Tennessee agent, and see what families in Clarksville usually need. [Local facts](#local) Updated October 8, 2026[Fact checked](/editorial-standards) Clarksville185,680 people The short answer Families in Clarksville earn a median $73,465 a year, and the typical owned home is worth $307,300. A simple rule puts the need for a typical family here at about **$950,000**. Term life is usually the lowest cost way to get there. ## Clarksville by the numbers Median household income : $73,465Close to the Tennessee median of $71,997 Typical home value : $307,300Lower than the Tennessee median of $332,600 Homes owned : 51%68% of owned homes have a mortgage Households with kids : 32%72,910 households in all Age 65 and older : 10%Median age 31.7 Veterans : 21,50817.4% of adults ## Living in Clarksville Clarksville is the 5th largest city in Tennessee, with 185,680 residents and a median age of 31.7. That is younger than the state as a whole, so more families here are in the years when term life matters most. The median household here earns $73,465, below the US median of $81,604. The typical home costs about 4.2 times that income. Compared with nearby Nashville (41 miles away), homes in Clarksville are worth less ($307,300 vs $438,800), and more households have kids at home. The biggest hands on job group here is health care, at 11.9% of workers. Health care workers on shifts and contracts can lose group coverage between jobs. ## Who works in Clarksville The biggest groups of hands on and front line jobs here, as a share of all workers. Some of these jobs can change your price, and some companies treat them better than others. **Health care**11.9%[Nurses](/jobs/nurses)[EMTs and paramedics](/jobs/emts-paramedics)[Doctors](/jobs/doctors) **Driving and moving goods**10.8%[Truck drivers](/jobs/truck-drivers)[Rideshare and delivery](/jobs/rideshare-drivers)[Warehouse workers](/jobs/warehouse-workers) **Sales**10.5%[Real estate agents](/jobs/real-estate-agents)[Self employed](/jobs/self-employed) **Factory and production**7.2%[Factory workers](/jobs/factory-workers)[Welders](/jobs/welders) ## What fits families in Clarksville **Mortgage protection** 68% of owned homes in Clarksville still have a mortgage. If your family would struggle to make that payment without you, size a policy to the loan. [More on mortgage protection](/coverage/mortgage-protection) **Term life for parents** 32% of households here have kids under 18. Term life covers the years they depend on you for the lowest price. [More on term life](/coverage/term-life) **Final expense** 10% of people in Clarksville are 65 or older, lower than the Tennessee rate. A small policy keeps funeral costs off the family. [More on final expense](/coverage/final-expense) **Veterans** About 21,508 veterans live in Clarksville. VGLI is not your only choice. [More on veterans](/jobs/veterans) ## Final expense and burial insurance in Clarksville About 18,100 people in Clarksville are 65 or older. A small final expense policy, also called burial insurance, pays for the funeral so the family does not have to. | Age | Women, $10,000 | Men, $10,000 | | --- | --- | --- | | **60** | $33 | $43 | | **70** | $53 | $70 | | **80** | $98 | $134 | National sample rates, Choice Mutual, Rates valid as of March 9, 2026. Not a quote. [Funeral costs and help in Tennessee](/funeral-costs/tennessee) ## Tennessee rules that protect you * Free look: set by policy * Grace period: one month if you miss a payment * Guaranty protection: up to $300,000 in death benefits * Help line: Tennessee Department of Commerce and Insurance, 1-800-342-4029 [All Tennessee rules](/states/tennessee) ## Common questions in Clarksville How much life insurance do I need in Clarksville? A quick rule of thumb: 10 years of income plus what you owe on your home. With Clarksville's median household income of $73,465 and a typical home value of $307,300, that lands near $950,000 for a typical family. Your number depends on your debts, kids and savings. Our calculator does the math. Can I get life insurance in Clarksville without a medical exam? Often, yes. Many companies approve healthy people with health questions and records instead of an exam. Older buyers can also look at simplified issue or guaranteed issue final expense plans. Do I need an agent licensed in Tennessee? Yes. An agent must hold a Tennessee license to sell you a policy. You can check a license with the Tennessee Department of Commerce and Insurance at 1-800-342-4029. Source: [Tennessee Department of Commerce and Insurance](https://www.tn.gov/commerce/insurance.html) What does a funeral cost near Clarksville? Local prices vary by funeral home. Nationally, the median funeral with viewing and burial was $8,300 in 2023, and $6,280 with cremation (NFDA). Under the FTC Funeral Rule, any funeral home in Clarksville must give you an itemized price list. Source: [FTC Funeral Rule](https://consumer.ftc.gov/articles/ftc-funeral-rule) · [NFDA price study](https://content.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) What happens if my insurance company fails in Tennessee? The Tennessee Life & Health Insurance Guaranty Association protects Tennessee policyholders up to $300,000 in death benefits, per insured person. Source: [Tennessee Life & Health Insurance Guaranty Association](http://www.tnlifega.org) · [NOLHGA: how you are protected](https://nolhga.com/policyholders/how-youre-protected/) ## Near Clarksville [Nashville](/states/tennessee/nashville) (41 mi), [Murfreesboro](/states/tennessee/murfreesboro) (71 mi), [Chattanooga](/states/tennessee/chattanooga) (157 mi), [Memphis](/states/tennessee/memphis) (178 mi), [Knoxville](/states/tennessee/knoxville) (194 mi) ## Sources 1. [Census ACS 2024 1 year estimates, table based summary file](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/) 2. [Census 2024 Gazetteer place file](https://www.census.gov/geographies/reference-files/time-series/geo/gazetteer-files.html) 3. [2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)](https://content.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) 4. [Tennessee Department of Commerce and Insurance](https://www.tn.gov/commerce/insurance.html) 5. [Tennessee Life & Health Insurance Guaranty Association](http://www.tnlifega.org) Local numbers are Census American Community Survey 2024 one year estimates for Clarksville, TN. The coverage figure is a rule of thumb, not advice.