Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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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.

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.

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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.

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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.