Life Insurance in Baton Rouge

Serving Customers Across Louisiana Since 1968

Life Insurance is one of the most important ways to protect your family. If something happens to you, it is vital to ensure your family is taken care of. In the event of death, the designee(s) will receive the policy payout. Below are a list of things that people in Louisiana normally use life insurance to cover.

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Top Questions About Life Insurance in Louisiana Answered

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What Life Insurance Usually Covers

  • End-of-life expenses. This pays for funeral expenses.
  • Day-to-day bills. Car payments, car insurance, groceries, clothes and school supplies for the kids.
  • The Mortgage. Knowing that life insurance proceeds can be put toward paying the mortgage can offer your spouse the freedom to make decisions that are best for your family during a trying time.
  • Cosigned debts. Even if you’re unmarried, there may be a co-signer who would be responsible for the outstanding debt you left behind.

Did You Know?

85 percent of consumers agree that most people need life insurance, yet just 62 percent say they have it.
LIMRA’s Life Insurance Barometer Study, 2013

What Life Insurance Usually Doesn't Cover

  • While some life insurance policies have a suicide clause that allows for payment of benefits after the policy is over two years old, not all policies have this clause.
  • Certain reckless endangerments are excluded in many policies.