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Getting Instant Approval Life Insurance in Tennessee

Instant Approval Life Insurance

Tennessee, the home of the Great Smokie Mountains and the famed theme park, Dollywood is also home to some of the friendliest people in the country. People in Tennessee are genuinely friendly folks who always great you with a smile. Many people from Tennessee call us in regards to getting life insurance. And as with all of the calls we get from people across the country, lots of those who call us from Tennessee are interested in getting instant approval life insurance coverage.

About Instant Approval Life Insurance

In the recent past, if you wanted a to get a large life insurance policy at a low cost, you would have to fill out all sorts of paperwork, go through a medical exam, and provide a urine sample or have blood work done. After all of that, you would typically be required to wait between 30 and 90 days to get your policy.

But nowadays, we can off instant approval life insurance policies people using a process known as accelerated underwriting. Now, we have policies like this available to younger folks as well as for seniors. Instant life insurance approval for seniors is usually going to be in the form of a small whole life policy (between $5,000 and $25,000 on average). These policies can be very helpful to the families of the deceased as funeral and cremation costs can be a huge hardship on them.

Now, not everyone is eligible for instant approval life insurance. The insurance company will require that you fill out a questionnaire and then compare it to your MIB file which will contain your prescription history. If you aren’t truthful on the questionnaire and then something is detected on that file, they may still get you covered, but could impose a two-year waiting period.

Tennessee State Flag

Leading Causes of Death in Tennessee

RankCause of DeathTotal Deaths
1Heart Disease16,019
2Cancer14,302
3Chronic Lower Respiratory Diseases4,657
4Accidents4,435
5Alzheimer’s Disease3,522
6Stroke3,519
7Diabetes4,176
8Flu/Pneumonia1,656
9Suicide1,166
10Kidney Disease1,140

(note: these statistics are taken from CDC website and the data is for the year of 2017. Keep in mind that these numbers vary from state to state due to population and state rank across the U.S.)  

Life Expectancy in Tennessee

The average life expectancy in Tennessee was 76.0 years (in 2018), putting Tennessee at number 45 among all US states. The statistics went down by .2 from 2010, when Tennessee’s life expectancy was on average 76.2 years old.

So, Tennessee is towards the bottom of the list of states in terms of life expectancy. But don’t think that this has any effect on your life insurance rate or policy. And it also has no effect on your ability to qualify for instant approval life insurance as an individual.

The Best Things to Do in Tennessee

Take a look at 14 of the best things to do in Tennessee:

  • The Smokies: The Great Smoky Mountains National Park:
  • Graceland and the Elvis Presley Memphis Complex
  • Birth of the Music Biz: Memphis and Nashville
  • Hello, Dollywood
  • Tennessee’s Civil War Heritage
  • The Hermitage: President Jackson’s Home
  • The Parthenon
  • Oak Ridge: American Museum of Science and Energy
  • Chattanooga and the Tennessee Valley Railroad
  • Downtown Knoxville
  • Lookout Mountain
  • The Titanic Museum
  • The Museum of Appalachia
  • The Lost Sea Adventure

Shopping for Life Insurance in Tennessee

It is important to use good old common sense when shopping for life insurance in Tennessee. Here at Insurance for Final Expense, we make the process as seamless as possible, whether you are looking for an instant approval life insurance policy, a burial (funeral) insurance policy, term life, etc.

Now we are well aware of the many big-name insurance agencies that heavily advertise. You know who we are talking about… Companies like State Farm Life Insurance, Colonial Penn Life Insurance, Gerber Life Insurance, John Hancock Life Insurance, Globe Life Insurance and AARP Life Insurance. We aren’t saying anything bad about these companies. Our only intention is to educate you on your options and offer you the best and most affordable insurance carriers available.

If you are a senior, please feel free to fill out the final expense insurance quote form on the side of this page to assess and compare rates and carriers. The cost of insurance over the life of the policy is minimal, and the benefits provided are essential to your family during the difficult time of your passing. Think about what they will need at that time. Then, call us with any questions. If you are younger and are looking for a term or other type of policy, please call us at 1-800-400-8319 to discuss.

Independent Insurance Agency vs. a Captive Agency

Many of you in Tennessee have seen the nonstop advertisements for Life Insurance. These are usually Captive Agency’s. This means that they can only sell their own insurance products.

We are in very difficult times in this country due to the Covid-19 virus, but our industry is staying strong and vigilant. We are staying abreast of all changes in the industry and are her to keep you informed and get you covered.  

At Insurance for Final Expense, we give you tons of choices of life insurance carriers, many who offer instant approval, but we make sure not to overwhelm you at the same time. We are able to do this because we are an Independent agency. It is a time in our country where it is so very important to do business with a dependable company that doesn’t employ shenanigans or presumptuous salespeople. We believe in giving our valued customers complete honesty, transparency and options. We want to protect you and your family. It’s that simple.

You shouldn’t have to be a burial insurance policy genius to find an excellent, affordable burial insurance policy. That’s our job. This is what we do every day, helping Americans across this beautiful country protect their families without breaking the bank in the process.

Insurance 2 Year Waiting Period With Gary Cubeta

Only the Best to Help you in Tennessee with Life Insurance!

It is part of our business model and promise to you that we only work with the absolute best of life insurance carriers. We are talking about companies like Mutual of Omaha Life Insurance, Sentinel Security Life, Royal Neighbors Insurance, AIG, Liberty Bankers Life, Prosperity Life Group, and Great Western Insurance Company. These are all reputable companies with incredible ratings. We wouldn’t do business with them if we couldn’t assure you that they will treat you great. Take a moment to read all of our burial insurance reviews for more information.

How Does Instant Approval Life Insurance Work?

Instant Approval Life Insurance plans are policies tailored for folks who don’t want to leave their families in financial distress when they die. Instant Approval Life Insurance policies can put your mind at ease right away, knowing that your loved ones are protected.

Insurance for Final Expense Can Provide Coverage on Day One

After approval, you will be protected on the day of your first payment (unless you have certain major health conditions, in which case a two-year waiting period may be imposed by the insurer).  But we would rather get you into a policy with a NO two-year waiting period when possible.

So How Do You Find the Best Life Insurance Policy in Tennessee?

When it comes to getting Life Insurance in Tennessee, it is so important to work with a licensed, independent agency that specializes in life insurance.

To find the best life insurance in Tennessee, you must be working with an independent agency representing multiple instant approval life insurance companies. Working with an independent agency like Insurance for Final Expense is completely free to you. Unlike working with a captive agent, we as independent agents are paid by the insurance companies. It has no effect on your rates. 

If you need help with guaranteed issue or instant approval life insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.