Final Expense Insurance in Tennessee: Rates by Age

The short answer

About 1,274,000 people in Tennessee are 65 or older. A $10,000 final expense policy is a common pick. In a published national sample, that costs $33 to $134 a month between ages 60 and 80.

Sample $10,000 rates by age

Age	Women	Men
50	$24	$31
55	$28	$36
60	$33	$43
65	$41	$54
70	$53	$70
75	$71	$97
80	$98	$134
85	$136	$193

National sample from Choice Mutual, Rates valid as of March 9, 2026. Not a Tennessee quote.

Tennessee rules

Free look: Set by policy
Grace period: One month
Guaranty protection: $300,000
Help line: 1-800-342-4029Tennessee Department of Commerce and Insurance

What a funeral costs

Nationally, the median funeral with viewing and burial was $8,300 in 2023. With cremation it was $6,280. Cemetery costs are extra. Add up your own.

Tennessee cities with the most seniors

Chattanooga 17% 65+Memphis 16% 65+Knoxville 14% 65+Nashville 13% 65+Murfreesboro 11% 65+Clarksville 10% 65+

Common questions

How much is final expense insurance in Tennessee?

It depends on your age, health and tobacco use. A published national sample puts a $10,000 policy at $41 a month for a 65 year old woman and $54 for a 65 year old man. Prices in Tennessee may differ.

Is burial insurance the same as final expense in Tennessee?

Yes. Burial insurance, final expense and senior life are names for the same kind of small whole life policy.

Source: FTC Funeral Rule · NFDA price study

Can I return a final expense policy in Tennessee?

No general free look period for individual life found in Tennessee law. 20 days if the policy replaces an existing one (Tenn. Comp. R. & Regs. 0780-01-24-.07).

Source: Tennessee free look law

What if I am turned down for health reasons?

Guaranteed issue plans ask no health questions. They usually have a waiting period of about 2 years before the full benefit pays for a death from illness.

Final expense insurance in Tennessee