The heartland of music in America, Tennessee offers seniors and retirees a laid-back, beautiful environment in which to enjoy their twilight years. From Music City to the scenic Great Smoky Mountains, seniors have a lot to love about the Volunteer State. Another hidden benefit is the state’s below-average funeral costs, which seniors often further reduce or completely cover with burial insurance in Tennessee.
Also called final expense insurance, burial insurance is an affordable type of whole life insurance created with seniors and their complex health and coverage needs in mind. It’s perfect for covering funerals, cremations, burial plots, and other end-of-life expenses.
Final Expense Benefits is here to help you find your best burial insurance in Tennessee. As a leading life insurance brokerage, we partner with over 20 of the top life insurance companies, so that you can be certain you’re getting the best coverage, regardless of your budget or health concerns.
To learn more about your best burial insurance in Tennessee, call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. Check our free online funeral cost calculator and personalized quoting tool to see how much coverage you need and how much it could cost.
Key takeaways
- The average cost of a funeral in Tennessee is $8,159, plus $2,709 for a burial plot, a significant sum usually due up-front.
- Tennessee seniors can cover these expenses and more with the right burial insurance policy.
- Tennessee burial insurance laws help protect senior consumers and promote a trustworthy market.
- Final Expense Benefits partners with over 20 of the best senior burial insurance companies and can connect you to burial insurance in Tennessee at any budget.
Average Cost of a Funeral in Tennessee
Funeral costs are on the rise: the average cost of a funeral in Tennessee is $8,159. Though this expense is below the national average of $8,593, funeral bills vary by your preferred type of memorial and are often expected to be paid up-front.
Per Funeralocity, average costs for a funeral in Tennessee range from:
- Traditional funeral & burial: $8,158 + $2,273 burial plot cost
- Cremation with traditional funeral service: $5,923
- Direct burial (burial with no funeral service): $4,774
- Direct cremation (cremation with no funeral service): $1,933
These prices are for basic services and may vary depending on your location, desired funeral amenities, and more. Check our funeral cost calculator for more information.
With national funeral costs nearing $9,000 and continuing to rise, savvy seniors are turning to burial insurance to secure affordable coverage and peace of mind for their loved ones. Here’s more information about funerals in Tennessee and how burial insurance can help cover them:
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Top Funeral Homes in Tennessee
Here are some of the most popular funeral homes in Indiana. Contact them for more accurate Indiana funeral cost estimates:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
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Fayetteville, TN |
4.8 / 5 |
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Dickson, TN |
4.8 / 5 |
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Madisonville, TN |
4.8 / 5 |
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Monterey, TN |
4.7 / 5 |
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Newport, TN |
4.6 / 5 |
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Tennessee Funeral Cost Breakdown
Funeral costs vary depending on the type of funeral, memorial services, and more. Traditional funerals with burials are the most expensive, as they require pricey services like funeral home rentals, caskets, body preservation, grave markers, and memorial officiants.
Here’s a breakdown of the average cost of a traditional funeral with a burial in Tennessee:
- Basic services
Funeral homes charge fees for basic services, including funeral directors and permits. Average basic service fees are about $2,153 in Tennessee. - Transport
Funeral transportation services include moving the body from the morgue to the funeral home and delivering the casket to the cemetery in a hearse. Costs average about $716 in Tennessee, though they will increase if shuttle services are required for attendees. - Service preparation
Traditional funerals with a viewing require extensive body preparation and preservation services, including embalming, makeup, and clothing. These costs average about $919 in Tennessee. - Memorial service
Memorial services fees include charges for memorial officiants, funeral home rentals and staffing, decorations, flowers, and more. They average about $872 in Tennessee, but will increase if the memorial is a large gathering or requires catering. - Casket
Casket costs vary depending on construction, material, and quality, but the average wooden casket costs about $3,500. - Burial plot
The average cost of a burial plot in Tennessee is about $2,273, though they vary widely by location and plot type. Costs are typically higher in cities, like Nashville or Memphis, than in rural, open areas.
Most funeral homes require these costs to be paid up-front, but burial insurance can cover them. If you’re interested in applying for burial insurance in Tennessee, remember that the Volunteer State’s simple life insurance laws help foster a healthy market based on trust. Here’s how they work:
Tennessee Burial Insurance Laws
Here are Tennessee’s main burial insurance laws and requirements, and how they can help protect senior customers:
- Free look period
Tennessee state law requires insurers to provide new policyholders a 10-day free look period after receiving a paper copy of the policy. Policyholders can use this time to review the policy and ensure they want to keep it. If they decide to cancel the policy, they are entitled to a full refund of any paid premiums or service charges.
- Grace period
Tennessee state law requires insurers to provide policyholders a 31-day grace period to pay missed premium payments before the policy lapses.
- Delayed claim interest
If an insurer doesn’t pay beneficiaries the policy’s death benefit within 15 days of the policyholder’s death, Tennessee state law requires that they add interest to the payout. Interest is calculated starting from the policyholder’s death, and interest rates are determined when the policy is signed.
- Tennessee Life and Health Insurance Guaranty Association
Tennessee law offers protection for policyholders and beneficiaries of policies managed by an insurer that is unable to pay benefits through the Tennessee Life and Health Insurance Guarantee Association. This association pays the benefit, up to $250,000, if the insurer goes out of business or is otherwise unable to pay.
- FTC funeral rule
If you are confused about any funeral service charges, the FTC funeral rule entitles you to a full itemized list of funeral charges. This Federal Trade Commission rule is a great tool for Tennessee seniors who want to ensure they aren’t being overcharged.
Tennessee burial insurance laws and regulations help protect seniors and their beneficiaries. To learn more about your Tennessee burial insurance rights and options, Final Expense Benefits is here to help. Call us today to learn more or start your application.
How Much is Burial Insurance in Tennessee?
The best way for Tennessee seniors to secure peace of mind for themselves and their loved ones, burial insurance offers lifelong coverage, locked-in rates, and benefits that grow in cash value. Average burial insurance benefit payouts range from around $5,000 to $50,000, enough to cover a funeral, burial plot, cremation, or other end-of-life expenses.
Seniors with pre-existing health concerns can qualify for reliable, affordable coverage, thanks to relaxed medical underwriting guidelines offered by most providers.
Call Final Expense Benefits today, and we can help you find your best option for Tennessee burial insurance, regardless of your health concerns or budget. And don’t wait: rates rise as applicants age, so apply early and secure your best rates.
Tennessee Burial Insurance Rate Chart
Burial insurance’s low, locked-in rates help make it such a bargain for Tennessee seniors. With average rates ranging from about $30 to $150, burial insurance is a reliable and affordable way for seniors to secure vital coverage.
Below are sample rates for a typical $10,000 burial insurance policy in Tennessee from Mutual of Omaha, one of our top partner burial insurance providers:
| Age | Monthly Rate (Male) | Monthly Rate (Female) |
|---|---|---|
|
50 |
$31 |
$24 |
|
55 |
$36 |
$28 |
|
60 |
$44 |
$33 |
|
65 |
$56 |
$41 |
|
70 |
$75 |
$53 |
|
75 |
$100 |
$72 |
|
80 |
$140 |
$98 |
These rates are calculated for a $10,000 burial insurance policy in Indiana from Mutual of Omaha, using a non-smoking applicant with no pre-existing health conditions.
To start your application today or to learn more about your options for burial insurance in Tennessee, call Final Expense Benefits. For an accurate, personalized price estimate, check our free online quoting tool.
How Final Expense Benefits Helps You Find Burial Insurance in Tennessee
Burial insurance brokerages like Final Expense Benefits handle the hardest parts of the life insurance process for you. We are proud to partner with over 20 of the top burial insurance companies to offer you your best rates and coverage.
We help you shop from any of our providers, so you can find the policy that fits. Our expert representatives will help you get the best policy, all from the comfort of your own home. Call Final Expense Benefits today at (866) 786-0725, and we can connect you to quality burial insurance in Tennessee. Here are some of our top providers:
What’s the Best Burial Insurance in Tennessee?
All of Final Expense Benefits’ top-rated senior life insurance providers are available in Tennessee.
We partner with only the best burial insurance providers, so that you know you are getting coverage you can trust.
All of our life insurance partners provide great coverage, but here are some of our top picks for burial insurance in Tennessee:
- Aetna Accendo
Backed by CVS Health, Aetna Accendo burial insurance is a standout choice for seniors with pre-existing conditions, thanks to their relaxed medical underwriting. In addition, these policies offer access to the broad catalog of Aetna Senior Products.
Best for: Seniors with health concerns seeking reliable coverage.
- Americo
Americo Senior Life Insurance is perfect for Tennessee seniors with constrained budgets. Their policies are reliable and affordable, and they offer a variety of life insurance riders to fit complex needs.
Best for: Seniors in good health seeking coverage on a budget. - Mutual of Omaha
With some of the market’s lowest rates, best customer service, and highest-rated policies, Mutual of Omaha is one of the most popular burial insurance providers for good reason.
Best for: Seniors seeking reliable coverage at low rates.
Final Thoughts
Burial insurance is a great choice for Volunteer State seniors looking to cover their funeral, cremation, and other end-of-life expenses ahead of time. These low-cost policies offer Tennessee seniors reliable, accessible coverage, regardless of health or budget.
If you’re looking for burial insurance in Tennessee, you’re in the right place. As a leading burial insurance agency, Final Expense Benefits’ mission is to help connect you to a great policy.
We’re proud to partner with over 20 of the top life insurance companies and can help you find lasting peace of mind.
Call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET, to learn more about your options for burial insurance in Tennessee. To see how much coverage you need and how much it could cost, check our free online funeral cost calculator and personalized quoting tool.
FAQ
How much does a funeral cost in Tennessee?
Though costs vary by the type of funeral and desired services, the average cost of a traditional funeral with a burial in Tennessee is $8,159, plus an average of $2,273 for a burial plot. Check our funeral cost calculator for personalized estimates.
How can I lower funeral costs in Tennessee?
Tennessee seniors who want to cover or lower their funeral costs should try government resources and non-traditional memorial services, such as:
- Social Security and military funeral reimbursements
- Direct burials & direct cremations
- Green burials
- Burial at sea
- Scientific body donation
These options could help reduce funeral costs, but burial insurance is the most reliable way to cover funeral costs in Tennessee.
Can you have a natural burial in Tennessee?
Also known as green burials, natural burials are permitted in Tennessee, though you should contact your local government and funeral service provider for permissible locations and natural burial types. Natural burial costs vary by type, location, and more; for example, tree pod burials normally cost between $2,400 and $4,400.
What is burial insurance?
Burial insurance is a low-cost type of whole life insurance that offers seniors accessible and reliable coverage. Payouts range from about $5,000 to $50,000, plenty to cover funerals and other end-of-life expenses in Tennessee.
How much is burial insurance in Tennessee?
Rates for burial insurance in Tennessee vary by the applicant’s age and health status, the policy’s payout value, and more. Average monthly rates for a $10,000 burial insurance policy in Tennessee range from $30 to $150 monthly for seniors ages 50 through 80. For an accurate, personalized pricing estimate, check our free online quoting tool.