Final Expense Insurance in Tennessee
Help comparing final expense, burial and whole life insurance for Tennessee residents, by phone from QRS Life Group in Atlanta, Georgia.
Final expense coverage for Tennessee residents
Tennessee families often come to us after handling a parent’s funeral and deciding not to leave their own children in the same position. From Memphis to the Tri-Cities, the policies available are small whole life plans with fixed premiums, and the state gives you a clear right to change your mind after delivery.
We talk through your options by phone, including the difference between first-day coverage and a graded policy, and send the application only if you ask for it.
Our office is in Atlanta, Georgia, and we work with Tennessee families by phone and email. There is no local branch to visit, and there is no need for one: every step, from the first conversation to the application, is handled remotely.
How life insurance is regulated in Tennessee
Life insurance sold in Tennessee is overseen by the Tennessee Department of Commerce and Insurance, consumer line 1-800-342-4029. The department reviews the policies insurers may sell in the state, licenses the people who sell them and handles consumer complaints.
The Tennessee Department of Commerce and Insurance describes a 10-day free-look period after the purchase of a life insurance policy, during which you can cancel for a full refund (TDCI guidance). Replacement policies carry 20 days under the state’s replacement rule.
Cities we serve in Tennessee
We have written a page for each of these Tennessee cities with the local offices families need when a death happens: Nashville, Memphis. Residents of other Tennessee towns are just as welcome to call.
What Tennessee families usually ask us
- What is a waiting period? Some policies pay a reduced benefit if death from illness happens in the first two or three years. Graded death benefits explained covers it in plain language.
- What will it cost? Premiums depend on your age, sex, health, tobacco use and the amount of coverage. We give you quotes for your own details instead of a headline number.
- Does my policy move with me? Yes. A policy stays in force if you move to another state, as long as the premiums are paid, and the benefit can be used anywhere.
Tennessee resources for planning ahead
- Tennessee Commission on Aging and Disability, 1-866-836-6678 connects you to your Area Agency on Aging and Disability: programs and the local Area Agency on Aging for older residents and caregivers.
- Tennessee Office of Vital Records: how to order certified death certificates, which a beneficiary needs to make a claim.
- Tennessee Department of Commerce and Insurance, consumer line 1-800-342-4029: consumer help and complaints about an insurance company or agent.
- Tennessee Board of Funeral Directors and Embalmers: the state body that licenses funeral directors and handles complaints about funeral providers.
- Tennessee 211, dial 2-1-1: a starting point for local help with food, transport, caregiving and benefits.
- U.S. Department of Veterans Affairs, burials and memorials: cemetery, marker and allowance benefits for eligible veterans in Tennessee.
Coverage options we compare
The policies we compare are explained on their own pages: final expense insurance, burial and funeral insurance, whole life insurance for seniors, no medical exam life insurance and guaranteed issue life insurance. How it works describes the three steps from a first call to a policy in hand.
Our final expense planning checklist lists the documents and decisions worth putting in order, and the questions and answers page covers the questions we hear most.
Talk with us
Call +1 (319) 254-9055 during business hours, or send the quote form and we will call you. There is no cost and no obligation. All the states and cities we serve are listed on the Service Areas page.