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Louisiana Life Insurance [2024]

Louisiana life insurance offers residents a 30-day grace period, 10-day free look period, protection of personal information, and a timely payment within 60 days. Get affordable LA life insurance quotes to protect your loved ones.

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Written by:

Ty Stewart

Licensed Life Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Life Insurance Agent

Reviewed by:

Jeffrey Manola

Licensed Life Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Life Insurance Agent

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

UPDATED: Feb 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

We offer Louisiana residents life insurance from several of the best LA life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect some variance with your Louisiana life insurance rates.

However, this guide should help you understand the differences in Louisiana life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Louisiana.

Before we dive into this guide, find affordable Louisiana life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Louisiana Life Insurance Quotes

We offer Louisiana residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.Read More: The Cost of Life Insurance

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Louisiana life insurance also offers residents a 30-day grace period, 10-day free look period, protection of personal information, and a timely payment within 60 days.

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Life Insurance Rates in Louisiana

To give you an idea of what Louisiana life insurance rates look like, you can check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers. 

Keep in mind that your Louisiana life insurance quotes may be different, especially depending on which type of Louisiana life insurance policy you choose.

In this next chart, you can also see how many Louisiana life insurance companies there are in comparison to other southern states.

Read more: South Carolina Life Insurance

As you can see in the above chart, Louisiana is home to 30 life insurance companies that operate specifically in the state. Get access to the best Louisiana life insurance with our free comparison tool on this page to save money.

Louisiana Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits. (For more information, read our “How to Sell Your Life Insurance Policy“).

In Louisiana, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

Louisiana Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with Louisiana life insurance claims and other related matters.

Guaranty Association

If you need information about a Louisiana life insurance or health insurance guaranty, contact the Louisiana Life & Health Insurance Guaranty Association at 1-225-381-0656 or visit the website.

Insurance Department

For the latest updates from the Louisiana Department of Insurance, including information about the State of Louisiana employee health insurance or how to contact the Louisiana Office of Group Benefits for life insurance, call 800-259-5300 or visit the website.

You can also access the Louisiana Department of Insurance company search and the Louisiana Department of Insurance industry access portal. There, you’ll be able to find information on any Louisiana insurance agent license and learn if a specific company you’re interested in requires a Louisiana life insurance exam.

Legal Info

QuickQuote is licensed to sell life insurance in Louisiana under Agency License Number 278417.

The licensed company principal is Tim Bain, Agent License Number 274924.

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Louisiana Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in Louisiana. Get started now.

Frequently Asked Questions

What is life insurance?

What is life insurance?

Life insurance is a contract between an individual and an insurance company. In exchange for regular premium payments, the insurance company provides a death benefit to the designated beneficiaries upon the insured person’s death. It serves as a financial safety net to protect loved ones and cover expenses in the event of the policyholder’s passing.

Why is life insurance important in Louisiana?

Why is life insurance important in Louisiana?

Life insurance is important in Louisiana, as it provides financial security and peace of mind to individuals and their families. It can help cover funeral expenses, pay off debts, replace lost income, and ensure that loved ones are taken care of after the policyholder’s death.

How do beneficiaries receive the life insurance payout in Louisiana?

How do beneficiaries receive the life insurance payout in Louisiana?

When the insured person passes away, the designated beneficiaries should contact the insurance company to initiate the claims process. Beneficiaries typically need to provide a death certificate and complete the necessary claim forms. The insurance company will then review the claim and, if approved, distribute the life insurance payout according to the policy terms and beneficiary designations.

Do I need a medical exam to get life insurance in Louisiana?

Do I need a medical exam to get life insurance in Louisiana?

The need for a medical exam to obtain life insurance in Louisiana depends on the type and amount of coverage you’re seeking, as well as the insurance company’s underwriting guidelines. Generally, larger policies or certain types of coverage may require a medical exam to assess your health and determine the premium rates. However, there are also options for no-medical-exam life insurance, which may have certain limitations or higher premiums.

Can I have multiple life insurance policies in Louisiana?

Can I have multiple life insurance policies in Louisiana?

Yes, it is possible to have multiple life insurance policies in Louisiana. Many individuals choose to supplement their existing coverage or tailor policies to different financial needs. However, when applying for multiple policies, you should disclose all existing coverage to the insurance companies to ensure accurate assessment and avoid any potential issues during the claims process.

Your life insurance quotes are always free.

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Written by:

Ty Stewart

Licensed Life Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Life Insurance Agent

Reviewed by:

Jeffrey Manola

Licensed Life Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Life Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

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