Home Page Contact Us  
 

 
State Specific Insurance Information

Quick Health Quotes

Quick Life Quotes

Quick Disability Quotes

Quick Dental Quotes

Health Insurance Information

Life Insurance Information

Disability Insurance Information

Dental Insurance Information

Louisiana Life Insurance

 

Life Insurance Laws in Louisiana are more designed to protect residents from claims instead of regulating the actual policies and coverage's like is done on many other types of Louisiana Insurance.

 

Most all laws regarding Life Insurance are covered under title 22 of Louisiana's Revised Code.  This is where Louisiana residents are guaranteed benefits like a 10 day free look.  A 10 day free look offers a consumer the right to cancel their life insurance policy, with in 10 days, for a full refund of their premiums.

 

Another mandated coverage for all Louisiana Life Insurance is for it to pay claims in a quick and reasonable manner.  In Louisiana this means to pay them within 60 days.  If the claim is not paid in 60 days, an interest rate of 8% will be attached to the claim.

 

In Louisiana, Life Insurance companies will pay fees to join the Louisiana Life and Health Guaranty Association.  This association protects the consumers from the insurance company going broke and not being able to pay claims.  The association offers maximum pay outs of $300,000 for a life insurance death claim, and $100,000 for losses of cash surrender value.  All Louisiana Life Insurance Companies must be licensed to be listed by this association so you can feel comfortable with the quality of company you are dealing with.

 

Louisiana does offer some protections for Life Insurance Companies, one of which allows life insurance companies to deny claims for Suicide for the first 2 years.

 

Louisiana Life Insurance Policies

 

 

 

Cities in Louisiana

 

New Orleans LA

Baton Rouge LA

Shreveport LA

Lafayette LA

Lake Charles LA

Kenner LA

Bossier City LA

Monroe LA

Alexandria LA

New Iberia LA

 

 

 

 

Commonly Searched Terms

 

Louisiana Life Insurance

Life Insurance in LA

LA Term Life Insurance

Affordable Life Insurance in LA

Whole Life Insurance in LA

LA Variable Life Insurance

LA Life Insurance Quote

Life Insurance Companies in LA

LA Life Insurance Agents

LA Life Insurance Policies

 

 

There are many policies and options when choosing a Louisiana Life Insurance Contract. The most important question to answer is: How much insurance do you need?  Once that question is answered you can decide which policy is right for your family. By speaking with a Louisiana Insurance Agent you can fully understand

the options available. QuicklyQuoteMe will give you some insight into the different policies available in the market place.

 


                           Request a Louisiana Life Insurance Quote

 

 

LA Universal Life Insurance

This type of Louisiana policy is also called LA permanent life insurance or LA whole life insurance. It provides either a level death benefit or variable death benefit to consumers. The underlying contract fund will grow on a more level basis than a comparable Louisiana variable life insurance policy but it is certainly not Louisiana guaranteed life insurance.

 

If you would like additional information about Universal Life Insurance in Louisiana click here.

 


                            Request a Louisiana Universal Life Insurance Quote

 

 

LA Variable Life Insurance

Louisiana Variable Life Insurance combines permanent life insurance with an underlying investment account. It allows for further tax deferred savings in an account that can be accessed prior to retirement.  Each Louisiana policy will allow many different fund options for the conservative investor or the aggressive. A professional Louisiana Life Insurance Agent will be able to appropriately recommend when this policy. 

 

If you would like additional information about Variable Life Insurance in Louisiana click here.

 


                            Request a Louisiana Variable Life Insurance Quote

 

 

LA Term Life Insurance

Louisiana Term Life insurance allows for an individual to fully protect their family while on a budget. It is offered in 10, 15, 20, and 30 year increments and is typically level for the entire time period. Due to many debts and financial obligations families are often left with less than adequate life insurance protection. By talking with a Louisiana Insurance Agent you will get a proper recommendation for the correct amount of insurance. Many times it makes the most sense to combine a LA Whole Life Insurance Policy with a LA Term Life Insurance Policy into what is called a blend.

 

If you would like additional information about Term Life Insurance in Louisiana click here.

 


                            Request a Louisiana Term Life Insurance Quote

 

 

As a further resource for Louisiana Life Insurance please go to this site and download the booklet:

 

Finding the Right Louisiana Life Insurance Professional

 

A large part of the process is working with the right agent.  Start by asking for referrals to Louisiana licensed agents from your accountants and/or attorneys. The attorney and accountant would be putting there reputation on the line if your future Louisiana life insurance agent was unprofessional.

 

Does the Louisiana agent have any professional designations? If an agent has one or more professional designations, it means that person has sought advanced training, passed rigorous exams and is serious about his or her professional growth and development. Keep in mind, though, that Louisiana professional designations are just one factor to consider when choosing a Louisiana agent. There are plenty of excellent Louisiana insurance agents who haven't earned professional designations, so don't assume that one Louisiana agent is better than another simply on the basis of earned designations, which are generally displayed as initials after his/her name.

 

Go through the following links to learn what some of the designations indicate:

Chartered Life Underwriter (CLU)

Life Underwriter Training Council Fellow (LUTCF)

Chartered Financial Consultant (ChFC)

Accredited Estate Planner (AEP)

Certified Financial Planner (CFP)

Registered Health Underwriter (RHU)

 

One other consideration is to ask whether the LA agent is a member of any professional organizations. This shows that the Louisiana agent is actively involved in developing his or her skills and staying on top of the latest industry trends and developments. The three most prominent organizations are listed below:

National Association of Insurance and Financial Advisors (NAIFA)

The Million Dollar Round Table (MDRT)

Association for Advanced Life Underwriting (AALU)

 

 

QuicklyQuoteMe’s Opinion on Life Insurance

Try blending your coverage to meet your current needs and future needs.  This means that you will have some term life insurance and also some permanent life insurance.  When you are young and the mortgage is high it is important to protect your family against loss.  The permanent insurance will last a lifetime and allow for protection throughout retirement years.

 

QuicklyQuoteMe recommends sitting down with our licensed professionals to determine which level of blend will work for your family.  Take the time to plan a budget and lock in those rates.  Fill out an online form and speak to one of our agents directly, they all come highly recommended!

 

                           Request a Life Insurance Quote from one of QuicklyQuoteMe’s Agents

 

 

If you are a Life insurance agent looking for Louisiana Life Insurance Leads click here.

 

 

Louisiana Insurance   Louisiana Health Insurance   Louisiana Disability Insurance   Louisiana Dental Insurance

Proudly providing Health Insurance in the following States*: Alabama, AL, Alaska, AK, Arizona, AZ, Arkansas, AR, California, CA, Colorado, CO, Connecticut, CT, Delaware, DE, Florida, FL, Georgia, GA, Hawaii, HI, Idaho, ID, Illinois, IL, Indiana, IN, Iowa, IA, Kansas, KS, Kentucky, KY, Louisiana, LA, Maine, ME, Maryland, MD, Massachusetts, MA, Michigan, MI, Minnesota, MN, Mississippi, MS, Missouri, MO, Montana, MT, Nebraska, NE, Nevada, NV, New Hampshire, NH, New Jersey, NJ, New Mexico, NM, New York, NY, North Carolina, NC, North Dakota, ND, Ohio, OH, Oklahoma, OK, Oregon, OR, Pennsylvania, PA, Rhode Island, RI, South Carolina, SC, South Dakota, SD, Tennessee, TN, Texas, TX, Utah, UT, Vermont, VT, Virginia, VA, Washington, WA, Washington DC, DC, West Virginia, WV, Wisconsin, WI, Wyoming, WY

Not all insurance types available in all states, request a health insurance, life insurance, or disability insurance quote for details