Burial Insurance in Nashville TN: Costs & Eligibility Local Guide

Burial Insurance in Nashville TN(final expense insurance, cremation insurance, funeral insurance etc.) is a small simplified issue whole life insurance policy or guaranteed issue policy(policy amounts between $5,000 – $40,000 in most cases depending on carrier & policy type) designed to cover your end of life expenses(funeral services, cremation services, medical debts etc.) by providing a fast cash payout upon receipt of the death certificate of the insured to their named beneficiary on the policy(typically within 24-48 hours). In this article we are going to cover how the insurance works, provide sample costs, a free tool to help you see eligibility & potentially avoid a waiting period, average funeral costs in Nashville and the best recommended companies providing burial insurance in TN.

Key Takeaways

  • Burial insurance in Nashville TN covers final expenses with cash payouts between $5,000 and $40,000, offering options like simplified issue and guaranteed issue policies.
  • Sample costs for burial insurance in Nashville range from $60 to $90 monthly for coverage amounts of $10,000 to $15,000, influenced by factors like age and health.
  • Burial costs in Nashville can be high, averaging $8,500 to $13,500 for traditional funerals, while cremation ranges from $1,500 to $3,500.
  • To avoid a two-year waiting period, applying with health questions through a knowledgeable broker can help secure immediate coverage based on health conditions.
  • Utilize our free tool to check eligibility for burial insurance in Nashville TN and find reputable companies offering competitive plans.

Understanding Burial Insurance in Nashville TN

Burial insurance is a marketing term for final expense life insurance. Other marketing terms would be cremation insurance, funeral insurance etc.

Final expense insurance is a small simplified issue whole life insurance policy(immediate payout) or a guaranteed issue whole life insurance policy(2 year waiting period automatic) designed to provide a fast tax free cash payout of the policies face amount(typically $10,000, $15,000, $20,000 or $30,000 depending on the carrier) to your named beneficiary upon receipt of the death certificate to the life insurance company.

Both simplified issue whole life & guaranteed issue whole life plans do not have any medical exams to qualify. However simplified issue plans that can provide day one coverage(immediate payout) do require you to answer health questions on their application.

In addition to this they will look at your MIB(Medical Information Bureau Health Report) & Milliman script check. If those checks align with your answers to the health questions(all questions answered “no”) you can be approved for an immediate payout policy.

If the answers do not line up with what they see in those checks you will either be offered a graded or modified plan(gradual waiting period payout). Now if you do not get approved for either of those the last resort would be a guaranteed issue plan.

These plans have no health questions or health & prescription history checks that comes with an automatic 2 year waiting period.

We have written an extensive article on how a two year waiting period works for burial insurance. In a nutshell it still provides a return of premium benefit with 10% interest in most cases(policy pays back the premiums paid in plus 10% on the total). That is if death occurs within the first two years of having the policy.

If you die of an accident the full policy benefit is paid despite the waiting period.

Features:

  • Level Premiums: Premiums never increases.
  • Level Death Benefit: Death benefit never decreases.
  • Cash Value: Portion of the premium builds over time into a “cash value account”.

Cost of Final Expense Insurance in Nashville TN Sample Quotes

The cost of final expense insurance in Nashville TN is determined based on your age, health, life style, gender and tobacco usage. Burial insurance for a senior in TN is going to range between $60 – $90 a month for coverage amounts between $10,000 – $15,000 just for an example. Below you are going to see sample quotes in our chart to give you an idea of what burial insurance in Nashville could cost for you.

Age$10,000 Male Non Smoker$10,000 Male Smoker$10,000 Female Non Smoker$10,000 Female Smoker
19$12.87$16.59$12.03$13.74
20$13.19$17.02$12.13$15.40
21$13.50$17.46$12.74$17.02
22$14.17$18.18$13.06$17.05
23$14.54$18.51$13.77$17.08
24$15.43$19.19$15.16$17.10
25$15.95$20.00$15.28$17.39
26$16.28$20.83$15.40$17.69
27$16.61$21.75$15.51$17.95
28$16.92$22.15$15.61$18.22
29$17.25$22.54$15.73$18.48
30$17.57$23.07$16.09$19.06
31$17.97$23.60$16.45$19.66
32$19.84$24.25$16.79$20.21
33$20.34$25.00$17.12$20.75
34$20.93$25.83$17.45$21.28
35$21.53$26.59$17.99$21.89
36$22.14$27.37$18.54$22.50
37$22.84$28.18$19.06$23.08
38$23.54$29.08$19.55$23.62
39$24.34$29.87$20.05$24.18
40$23.13$30.66$20.70$24.98
41$23.62$31.43$19.75$25.80
42$24.11$32.21$19.93$26.57
43$24.64$32.93$20.10$27.30
44$25.18$33.41$20.38$28.03
45$25.79$34.00$20.88$28.80
46$26.43$34.57$21.43$29.55
47$27.10$35.17$22.01$28.06
48$27.71$35.58$22.33$28.56
49$27.35$38.27$21.78$29.22
50$28.29$39.47$23.56$30.14
51$29.26$40.77$24.48$31.06
52$30.31$42.22$25.09$32.72
53$31.47$43.83$25.62$34.54
54$32.77$45.44$26.26$38.99
55$34.25$48.12$27.11$40.85
56$35.88$52.06$28.20$42.71
57$37.69$54.25$29.51$42.30
58$39.64$56.72$31.70$43.61
59$40.10$55.60$31.00$44.50
60$41.84$56.72$31.70$43.61
61$43.76$59.64$32.87$45.19
62$46.41$63.28$34.51$47.48
63$49.07$67.72$36.06$49.78
64$51.22$69.53$37.72$52.07
65$53.58$72.72$39.36$54.36
66$56.48$76.06$41.01$56.66
67$59.85$80.53$43.44$60.22
68$63.18$84.67$45.86$63.60
69$66.84$89.65$48.29$66.09
70$70.79$94.64$50.81$70.45
71$73.15$98.31$53.24$72.18
72$78.81$103.97$56.20$75.86
73$83.99$109.94$58.46$79.74
74$89.46$116.69$63.55$84.14
75$94.87$123.65$67.78$88.66
76$99.97$132.48$72.41$94.42
77$107.04$141.32$78.25$101.63
78$114.13$150.57$83.51$108.24
79$122.13$161.81$88.44$115.15
80$129.52$171.23$93.41$125.01
81$139.73$181.75$98.43$135.14
82$149.95$192.98$106.21$147.04
83$160.16$204.65$113.96$160.56
84$171.02$219.19$121.31$170.76
85$181.88$237.28$128.55$179.58
86$192.74$257.57$135.90$192.35
87$236.25$337.32$171.33$237.32
88$276.68$353.99$205.98$253.99
89$317.10$370.65$240.63$278.99
90$357.53$378.98$275.28$303.99
Please Note: The rates shown above are strictly for illustrative purposes and represent sample quotes for individuals in standard health. Actual insurance premiums are highly dependent on your exact age, gender, state of residence, tobacco usage, and specific medical underwriting. Because health conditions (such as breathing or cardiac history) may require a specialized carrier to secure approval, your personalized quote may vary from this chart. Rates and carrier availability are subject to change. Always speak directly with a licensed independent broker to shop the market and secure the absolute lowest rate for your unique situation.

Burial Costs in Nashville TN

To give you an idea of your local area we will cover the rough data on burial costs in Nashville TN.

  • Traditional Funeral Costs: Based on local trends for Davidson County, a traditional funeral(viewing, burial, and ceremony) generally ranges from $8,500 to $13,500.
  • Cremation Costs: Direct cremation is significantly cheaper, ranging from $1,500 to $3,500 depending on the provider and services(memorial service or no service).
  • Beware of Hidden Costs: Remember there are hidden costs outside of the base prices. Cemetery fees, headstones and obituaries can add an extra $2,000-$4,000.

Funerals in Nashville can be expensive, with the costs usually going higher than $10,000 for traditional arrangements. These facilities like Highland Hills Funeral Home or Spring Hill Funeral Home(check out our Spring Hill Funeral Home Review) offer several options, but the total cost is usually a shock to families if you did not plan ahead.

It is not just about knowing your pricing it is about planning to fund the whole cost. This ensures the burden does not fall on your children.

Avoiding a 2 Year Waiting Period for Final Expense Insurance in Nashville TN

If you want to avoid a two year waiting period you must apply with a life insurance company(through a broker like us) that has health questions. The trick is to use us and our expertise to help you apply with a company most likely to favor your health conditions.

We are trained specifically to match you up with a company that could potentially offer you no waiting periods. This is entirely dependent upon your health.

We have helped clients with COPD, Heart Attacks, etc. get day one coverage in most cases. This is because we know which of our carriers look more favorably at your health conditions compared to others.

Our top priority is to match you with a company most likely to offer you no waiting period. When speaking with one of our agents they will ask you some preliminary health & prescription questions to make a recommendation. After that our agent will recommend the best company or tell you honestly if all you can get is a guaranteed issue plan.

Use our Free Tool to See Eligibility

We have provided a free tool below to help you assess your eligibility. Search your specific condition in the table to see what you could potentially qualify for.

Health ConditionDay One EligibilityBest Plan Option
ADL’s(Assistance of Daily Living Eating, Dressing, Toileting, Bathing)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
AIDS & HIVGuaranteed Issue Guaranteed Issue Plans(No Health Questions)
ALSModified Options ProbableGraded or Modified Broker Options
Alcohol AbuseExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Alzheimers & DementiaGuaranteed IssueGuaranteed Issue Plans(No Health Questions)
Amputation Caused by Accident (No ADLS Needed)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Amputation Caused by Accident(ADL’s Needed)Modified Options ProbableGraded or Modified Broker Options
Amputation Caused by Diabetes or Disease(No ADL’s Needed)Guaranteed IssueGuaranteed Issue Plans(No Health Questions)
Amputation Caused by Diabetes or Disease(ADL’s Needed)Guaranteed IssueGuaranteed Issue Plans(No Health Questions)
AneurysmExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
AnginaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
AngioplastyExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Assisted Living FacilityExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
AsthmaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
AFIB (Atrial Fibrillation)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Brain Tumer(Non Cancerous)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Bipolar DisorderExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Brain Tumor(Cancerous)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Bronchitis (Chronic)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Cancer-Must have occured and been cured over 2 yeas ago with no further complications or medicationsExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Coronary Bypass SurgeryExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
CardiomyopathyExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Cerebral PalsyExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
COPD Chronic Obstructive Pulmonary DiseaseExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Circulatory SurgeryExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
CirrhosisExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Congestive Heart FailureExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Cystic FibrosisExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
DefibrillatorExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
DepressionExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Diabetes(Without Complications)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Diabetes(With Complications)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
DialysisGuaranteed IssueGuaranteed Issue Plans(No Health Questions)
Down SyndromeExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Drug & Alcohol AbuseExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
EmphysemaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Heart AttackExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Heart DiseaseExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Obesity & Under WeightExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Hepatitis CExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Hospitlization(Current)Guaranteed IssueGuaranteed Issue Plans(No Health Questions)
Huntington’s DiseaseExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Kidney Disease Stage 1 – 3Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Kidney Disease Stage 4 – 5Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Lupus (Systemic)Excellent Chance
(Immediate)
Top Tier Independent Broker Plans
Multiple SclerosisExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Muscular DystrophyExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Organ TransplantModified Options ProbableGraded or Modified Broker Options
Oxygen TanksGuaranteed IssueGuaranteed Issue Plans(No Health Questions)
Oxygen ConcentratorExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Pacemaker ImplantExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
PancreatitisExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Parkinson’s DiseaseExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Pending SurgeryGuaranteed IssueGuaranteed Issue Plans(No Health Questions)
SchizophreniaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
SclerodermaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
SeizuresExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Sickle Cell AnemiaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Sleep ApneaExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
StrokeExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
StentExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
TIA Mini StrokeExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Tumor CancerousGuaranteed IssueGuaranteed Issue Plans(No Health Questions)
Tumor Non-CancerousExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Ulcerative ColitisExcellent Chance
(Immediate)
Top Tier Independent Broker Plans
Eligibility details shown above represent generalized carrier underwriting guidelines for educational purposes. Actual approval for immediate day-one coverage is subject to individual medical underwriting, prescription history checks, and final carrier approval. Call us directly to verify your specific eligibility.

Best Burial Insurance Companies in Nashville TN

We have listed the best final expense companies available in Nashville TN that we work with.

Mutual of Omaha‘s Living Promise Product is excellent.

Mutual of Omaha Life Insurance, Burial Insurance, Final Expense InsuranceAge EligibilityPolicy Brochure

★★★★★

45-85Brochure
Policy Features & BenefitsType of Policy: Whole Life(Lifetime Coverage)Waiting Period: Graded Plan(yes) Level Plan(no)
Death Benefit Amounts: $2,000-$40,000Level Death Benefit(Death Benefit Never Decreases)
Available States: All Except NYLevel Premiums(Premiums Never Increase)
Cash Value Builds in PolicyNo Medical Exams Required
Accelerated Death Benefit RiderAllows the insured to access a portion of the policy’s death benefit while alive for various needs such as medical bills, living expenses, and funeral expenses.
EligibilityApplicable when the insured is diagnosed with a terminal illness (12 months to live) or has been confined to a nursing home for more than 90 days without the expectation of leaving.
InclusionAutomatically included in the policy at no extra cost.
Accidental Death Benefit RiderProvides an extra death benefit equal to the policy’s death benefit in case of death resulting from an accident.
InclusionRequires an additional charge to be added to the policy.

Aetna Accendo final expense has very good rates.

Aetna Accendo, Final Expense Insurance, Burial InsuranceAge EligibilityPolicy Brochure

★★★★★

40-89(Preferred & Standard Plans)
40-75(Modified Plan)
Brochure
Policy Features & BenefitsType of Policy: Whole Life
(Lifetime Coverage)
Waiting Period: Preferred & Standard Plan(No)
Modified Plan(Yes)
Available States: All Except NYLevel Premiums
(Premiums Never Increase)
Cash Value Builds in PolicyNo Medical Exams Required
Death Benefit Amounts: $2,000-$50,000Level Death Benefit
(Death Benefit Never Decreases)
Accelerated Death Benefit RiderAllows the insured diagnosed with terminal, critical, or chronic illness with an expected death within 12 months to access 50% of the policy death benefit for various purposes such as bills or funeral planning.
Accidental Death Benefit RiderPays out an amount equal to the policy death benefit for accidental death if the insured is between 40 and 70 years old.
Children’s Term Insurance RiderChildren and grandchildren aged 30 days to under 18 years old can be covered for amounts ranging from $2,500 to $10,000 each. The policy can be converted to a whole life policy for the child between the ages of 22 and 25.

American Amicable burial coverage is another one our clients love.

American Amicable, life insurance, burial insurance, final expense insuranceAge EligibilityPolicy Brochure

★ ★ ★ ★ ★

50-85Brochure
Policy Features & BenefitsType of Policy: Whole Life(Lifetime Coverage)Waiting Period: Immediate Benefit Plan(No)
Graded & ROP Plans(Yes)
Available States: All Except NYLevel Premiums(Premiums Never Increase)
Cash Value Builds in PolicyNo Medical Exams Required
Death Benefit Amounts: $2,000-$50,000Level Death Benefit(Death Benefit Never Decreases)
Terminal Ilness Accelerated Death Benefit RiderAllows the insured diagnosed with a terminal illness to use the entire policy death benefit (100%) for any purpose. If you have a $10,000 policy and are diagnosed with a terminal illness, you can access the full $10,000 for various needs.
Accelerated Death Benefit Rider Confined CareProvides 5% of the death benefit in monthly payments if the insured is confined to a nursing home 30 days after the policy starts. Can be used for monthly bills or other smaller expenses.
Grandchild RiderOffers $5,000 life insurance coverage per unit for a grandchild or great grandchild, with a maximum of 2 units totaling $10,000 in coverage. Costs an additional $1.00 on the monthly policy premium per unit for each grandchild.
Children’s Insurance AgreementProvides up to $6,000 in coverage for each child below age 25. Can be converted to a whole life or endowment policy when the child is over 25. Allows coverage up to 5 times the coverage amount, totaling $30,000, without demonstrating insurability.
Nursing Home Waiver of Premium RiderWaives premium payments on the policy if the insured is confined to a nursing home for over 90 days, making the insurance essentially free.
Accidental Death Benefit RiderDoubles the death benefit payout if the insured or loved one dies from an accident, with no additional cost to be added.

Guarantee Trust Life’s Heritage burial plan only has 5 health questions.

Guarantee Trust Life Insurance Company, Life Insurance, Burial Insurance, Final Expense InsuranceAge EligibilityPolicy Brochure

★★★★★

50-90Brochure
Policy Features & BenefitsType of Policy: Whole Life(Lifetime Coverage)Waiting Period:
Year 1: ROP+5% Interest
Year 2: 50% of Death Benefit Paid
Year 3: 100% Death Benefit Paid
Available States: All Except NYLevel Premiums(Premiums Never Increase)
Cash Value Builds in PolicyNo Medical Exams Required
Death Benefit Amounts: $2,500-$20,000Level Death Benefit(Death Benefit Never Decreases)

Gerber final expense stands as one of the cheapest guaranteed issue plans you can get.

Gerber life insurance, burial insurance, final expense insurance, guaranteed issue life insuranceAge EligibilityPolicy Brochure

★★★★★

50-80Brochure
Policy Features & BenefitsType of Policy: Whole Life(Lifetime Coverage)Waiting Period: Full 2 Year Waiting Period
Death Within 2 Years is ROP + 10% Interest
Accidental Death Within Waiting Period is Full Policy Payout
Available States: All StatesLevel Premiums(Premiums Never Increase)
Cash Value Builds in PolicyNo Medical Exams Required
Death Benefit Amounts: $5.000-$25,000Level Death Benefit(Death Benefit Never Decreases)

Two Year Contestability Clause in Nashville TN

All final expense plans come with a two year contestability clause. This basically means if you die within the first two years of having your policy active the insurance company reserves the right to investigate.

They investigate the original application to make sure you did not misrepresent or conceal anything when you applied. The insurance company will look at previous medical records and health history during this time.

Honesty is the best policy here, as long as you tell the truth there should be nothing for you to worry about.

10 Day Free Look Period for Final Expense Insurance in Nashville TN

In the state of TN you also have a 10 day free look period with your policy. This means upon receiving your policy physically in the mail you have a right to cancelation and refund.

If you decide you do not want the policy you can cancel it within 10 with premiums refunded. In addition to this these plans are month to month premiums. That means there are no contracts you are locked in to. If you decide you cannot pay for your policy you can cancel at anytime.

Keep in mind that the premium refund only applies to the 10 day free look. If you decide to cancel after your 10 day free look premiums are not refunded.

Conclusion

Work with us to secure your final expense insurance in Nashville TN! We are underwriting experts in the local Palmer, TN area. So many clients have come to us with health issues and most of the time we have found them day one coverage! Our expert level training makes us superior to most agents in the industry.

In addition to this we have access to several major life insurance companies offering burial insurance in TN! Use the quote form to your right to get a quote and talk with us today!