1, Hire an attorney in the county in Tennessee where the deceased passed.
2. Have the attorney do a county record search to obtain the certificate.
3. The attorney may pay for a certified copy of the death certificate.
4. Have the attorney file with the insurer to make claim for life benefit.
5. Pay the attorney and get your life insurance money.
In most places, death certificates are part of the public record and anyone can obtain a copy of one. You may be able to order online or from the county clerk.
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A Tennessee attorney hasn't answered this question, and you need to know the law in Tennessee. In Texas, you have to be related to the deceased to get a death certificate. They aren't public records. To find out about Tennessee, call the County Clerk in the county where he died and they can give you the rules. Unless you can get it without being related, contact an attorney in that county and see what they can do.
There is no legal relationship created or implied by the exchange of message on this website. All statements are not to be construed as legal advice but as general guidance. In all cases, an attorney should be retained to review the full circumstances and deliver advice consistent with the information learned.