Central Texas landscape near Tennessee

Tennessee Burial Insurance for Seniors 50 to 85

Looking for burial insurance in Tennessee? No medical exam, claims paid in 24 hours. $5,000 to $35,000 coverage. Call (800) 930-7459.

Get a Free Quote Call (800) 930-7459
4.8 ★
Trusted by 1M+ policyholders
24 hrs
Approved claim payout
63+
Years serving families
No Exam
One-page application

What Happens When There's No Funeral Plan

The hardest moment for a family is also the most expensive. A small plan now spares them both.

Funeral costs over $10,000

Traditional burial in the Austin area averages about $7,912, and total costs often top $10,000 once add-ons are included.

Declined for life insurance

Many seniors are turned away because of age or health. Standard underwriting rules out coverage that families really need.

No plan in place

When a loved one dies suddenly, families face thousands in costs and impossible decisions in the middle of grief.

Overwhelmed by funeral homes

Comparing prices, reading contracts, and avoiding upsells at the worst possible time is a lot to ask of any family.

Local Expertise Across the Volunteer State

Nationwide Final Expense has served Tennessee families since 1963, helping seniors plan ahead for burial costs averaging $7,615 for a traditional funeral with viewing and burial, and $5,858 for cremation with a service, based on NFDA 2023 East South Central regional data, some of the most affordable in the nation. In Nashville, a full funeral with burial is estimated at approximately $7,705, while Memphis and Knoxville families can rely on the regional figure as the most reliable benchmark. With a cremation rate estimated at roughly 50 percent, coverage sized for both traditional burial and cremation is available from Clarksville to Chattanooga and everywhere in between.

Under TennCare, Tennessee's Medicaid program, a revocable burial fund up to $1,500 is exempt from asset counts, and a burial space, including a plot, vault, or marker, carries no dollar limit. Irrevocable funeral trusts (IFTs) are permitted under state law; confirm the current allowable cap in Tennessee's Medicaid manual with a licensed agent before finalizing a plan. The Tennessee Department of Commerce and Insurance (tn.gov/commerce) regulates all life insurance sold in the state, and every policy includes a standard 10-day free-look period during which you may cancel for a full premium refund. Broad company availability makes comparison shopping practical here.

With approximately 17 percent of residents aged 65 or older and a life expectancy of roughly 73.8 years, among the lowest in the nation, early planning is especially important for Volunteer State seniors. Unintentional injuries, chronic lower respiratory disease, and stroke rank among the state's leading causes of death. Nationwide Final Expense serves seniors across Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, and Franklin, with licensed agents available by phone throughout the state. No medical exam is required, and approved claims are paid within 24 hours. As of 2026, over 1,000,000 policyholders trust the Funeral Advantage program nationwide.

Areas served

  • Nashville
  • Memphis
  • Knoxville
  • Chattanooga
  • Clarksville
  • Murfreesboro
  • Franklin
  • Jackson
  • Johnson City
  • Kingsport

Local landmarks

  • Vanderbilt University Medical Center
  • Methodist Le Bonheur Healthcare
  • University of Tennessee Medical Center
  • Tennessee State University
  • University of Tennessee at Knoxville
Senior adult walking in the Tennessee area

Coverage Plans for Every Budget

No medical exam

A one-page application with a few simple health questions. Most Tennessee applicants qualify the same day.

24-hour claim payout

Approved claims paid in cash within 24 hours so your family has funds for the funeral home deposit and what comes next.

Personal Funeral Advisor

A live advisor calls Tennessee-area funeral homes, compares prices, and reviews contracts on your family's behalf.

Our services for Tennessee families

Every plan and planning service we offer is available to seniors and families in Tennessee.

Funeral Planning Assistance (FCGS)

Concierge funeral-planning support that activates at time of need, included free with every Funeral Advantage policy.

Guaranteed Acceptance Burial Insurance

Whole life burial coverage with no medical exam and easy qualification, built for seniors with health concerns or prior denials.

Irrevocable Funeral Trusts

How Central Texas seniors can shelter burial funds from Medicaid spend-down while keeping final expense coverage.

Preneed vs. Final Expense Funding

Plain-English help deciding between locking in prices with a funeral home and keeping flexible cash with final expense insurance.

Apply in 4 Simple Steps

From quote to policy to claim, every step is simple and no-pressure.

1

Get your free quote

Call or fill in the online form. No personal medical history needed to get a rate.

2

One-page application

A few simple health questions, no medical exam. Most applicants qualify the same day.

3

Policy issued

Pick your coverage from $5,000 to $35,000. Your premium is locked in for life.

4

24-hour claim payout

When the time comes, approved claims are paid within 24 hours so family has cash on hand.

Protect Your Family with the Right Policy

No medical exam, no pressure. A licensed advisor will tell you honestly whether the coverage fits.

Get a Free Quote Call (800) 930-7459

Why Central Texas Families Choose Nationwide

We treat a hard subject with dignity and make a confusing decision feel simple.

Approved claims paid in 24 hours

Your family has cash on hand right when they need it, not weeks or months later.

No medical exam to qualify

A one-page application with a few simple health questions. Most applicants qualify.

Pre-existing conditions accepted

Health issues that get you declined elsewhere don't disqualify you with us.

Premiums never increase

A fixed monthly rate from day one. Locked in for the life of the policy.

Personal Funeral Advisor included

A live advisor calls funeral homes for your family, compares prices, and reviews contracts - at no extra cost.

A.M. Best A- and BBB A+ rated

A 63-year-old company with more than 1,000,000 policies in force across the country.

What Tennessee-area families say

Real stories from policyholders who trusted us with the most important plan they ever made.

"After being turned down twice for my health, I was sure no one would cover me. They approved me with just a one-page form and no exam. Such a relief."

Carol R.

Round Rock, TX

"When my husband passed, their advisor called the funeral homes for us and saved us thousands. I don't know how we'd have managed the paperwork on our own."

Dolores M.

Austin, TX

"The claim was paid the very next day. The money was there when we needed it, not weeks later. Exactly what they promised."

James T.

Georgetown, TX

Final Expense Questions Tennessee Seniors Ask

What is the average funeral cost in Tennessee?
A traditional burial in the East South Central region averages about $7,615 for a full service with viewing and burial, and cremation with a service averages around $5,858 regionally, based on NFDA 2023 data, among the most affordable in the nation. In Nashville, a full funeral with burial is estimated at approximately $7,705; Memphis families can use the regional figure as the most reliable benchmark. A Funeral Advantage policy is sized to cover these typical costs with room for outstanding bills.

Does TennCare (Tennessee Medicaid) have a burial exemption?
Yes. Under TennCare, Tennessee's Medicaid program, a revocable burial fund up to $1,500 is exempt from asset counts, and a burial space, including a plot, vault, or marker, is exempt with no dollar limit. Irrevocable funeral trusts (IFTs) are permitted under state law, giving families pursuing Medicaid eligibility an additional way to protect burial funds. Confirm the current IFT cap with a licensed agent, as specific limits may be updated.

Who regulates burial insurance in Tennessee?
The Tennessee Department of Commerce and Insurance (tn.gov/commerce) regulates all life insurance sold in the state. Final expense policies include a standard 10-day free-look period: you may cancel within 10 days of receiving your policy and receive a full premium refund. Standard two-year contestability and suicide clauses apply. The state guaranty fund covers up to $300,000 in benefits, which fully protects any final expense policy since face amounts are under $50,000.

Are irrevocable funeral trusts available in Tennessee?
Yes. State law permits irrevocable funeral trusts (IFTs), which can shelter burial funds from TennCare spend-down. This is useful for seniors planning for long-term care who want to protect their final expense savings from Medicaid asset limits. Confirm the current allowable cap in Tennessee's Medicaid manual with a licensed agent before finalizing a plan.

What is the cremation rate in Tennessee, and does coverage account for it?
Tennessee's cremation rate is estimated at roughly 50 percent. Final expense coverage is available for both cremation and traditional burial, with face amounts from $5,000 to $35,000 so families can match coverage to their preferred arrangement. An agent can help you select a coverage amount sized to the regional averages for either option.

Can Tennessee seniors qualify with a pre-existing health condition?
Yes. Most applicants with pre-existing conditions qualify on a simplified-issue basis with no medical exam. For more severe conditions, a guaranteed acceptance option is available with a modified benefit and a 2 to 3 year waiting period that refunds premiums plus interest if a claim occurs during that period.

Which Tennessee cities and communities do you serve?
We serve seniors statewide, including Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Jackson, Johnson City, and Kingsport, with licensed agents and over-the-phone applications available from anywhere in the state.

How quickly can I get a burial insurance quote in Tennessee?
Most applicants receive a same-day quote. There is no medical exam, just a one-page application with a few health questions. Policies are typically issued within days of applying, and approved claims are paid within 24 hours.

Where can I find burial insurance near me in Tennessee?
Nationwide Final Expense serves seniors statewide with licensed agents available by phone. Whether you live in Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, or a rural community, you can apply over the phone with no in-person visit required. Call (800) 930-7459 for a same-day quote.

Nearby service areas

Kentucky

Georgia

North Carolina

Ready to protect the ones you love?

Get a free quote in minutes — no medical exam, no pressure. Most applicants qualify.

Get a Free Quote Call (800) 930-7459