Life Insurance for Seniors in Tennessee

Yes, many carriers offer life insurance to applicants up to age 85. While options may be more limited than for younger applicants, guaranteed issue and simplified issue policies are widely available.

Final expense insurance (also called burial insurance) is a type of whole life insurance with smaller coverage amounts ($5,000-$50,000) designed to cover funeral costs, medical bills, and other end-of-life expenses without burdening your family.

Yes, guaranteed issue policies accept all applicants regardless of health conditions. There are no medical exams or health questions. These policies typically have a 2-year waiting period for full benefits, but they ensure everyone can get coverage.

Final expense insurance for seniors typically costs $30-$100/month (illustrative) depending on age, health, and coverage amount. A 65-year-old might pay $50/month (illustrative) for $15,000 in coverage—enough to cover average funeral costs. Actual premiums vary by carrier and individual underwriting.

Whole life and final expense policies have level premiums that never increase. Your coverage amount is also guaranteed. Once approved, your rate is locked in for life. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier.