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Best Life Insurance Companies in Lake Charles

2024

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Providers

Last updated:

Website
2356 East McNeese Street, Lake Charles, LA 70607
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Firm Of Louisiana Property & Casualty, LLC, is a full-service brokerage that serves Lake Charles. Included in its wide range of products is whole life insurance, which provides death benefits for as long as the policyholder lives. Its agents have access to protection plans from numerous carriers, including Travelers and Safeco Insurance, allowing them to find policies that cover their clients' assets and risks. Furthermore, The Firm Of Louisiana Property & Casualty offers health, home, and auto insurance plans.

License Verified:

License: 472440

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
687 South Post Oak Road, Sulphur, LA 70663
  • Life Insurance

Why choose this provider?

Mike Granger is a Louisiana Farm Bureau Insurance agent that caters to clients in Lake Charles. He can provide life insurance policies to first-time and seasoned customers. He also explains important conditions and coverages, such as incremental term-life plans and whole life cash-value policies. Through the company's MOBILE app, Mike can immediately respond to insurance queries and emergencies via his phone. He can also process online paperwork for life insurance claims and policy changes, such as new addresses or beneficiaries.

License Verified:

License: 771033

Louisiana Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
324 Alamo Street, Lake Charles, LA 70601
  • Life Insurance
  • Health Insurance

Why choose this provider?

McFatter Insurance Agency, Inc., delivers insurance solutions to business owners, families, and individuals in the Lake Charles metro and the surrounding communities. In addition to life insurance, the company accommodates clients who need assistance in purchasing long-term care and short-term and long-term disability coverages. It also offers other personal and business policies, such as homeowners', flood, auto, commercial property, and workers' compensation insurance. McFatter Insurance Agency, Inc., creates customized coverages suited to the personal needs and budget of its clients.

License Verified:

License: 196378

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
807 West McNeese Street, Lake Charles, LA 70605
  • Life Insurance
  • Health Insurance

Why choose this provider?

Demarie Insurance Agency provides insurance and financial solutions in Lake Charles. It offers life insurance products such as term life insurance, whole life insurance, universal or variable life insurance, accidental death and dismemberment insurance, and structured settlements. The company also carries supplemental coverages for short-term or long-term disabilities, accidents, vision and dental, and cancer. Other available services include commercial insurance, specialty insurance, health insurance, bonds, and retirement. Demarie Insurance Agency represents numerous insurance companies to continue delivering risk management and coverage to its clients.

License Verified:

License: 865426

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
509 7th Street, Lake Charles, LA 70601
  • Life Insurance
  • Health Insurance

Why choose this provider?

Curtis Insurance is a local insurance agency that has been serving the residents of Lake Charles and the surrounding areas for more than 45 years. It offers term life insurance and whole life insurance, which includes traditional whole life, universal life, variable universal life, and variable life insurance. It also provides auto insurance, recreational vehicle insurance, and Medicare insurance. Insurance companies that Curtis Insurance works with include the Midland National Life Insurance Company and the Columbian Life Insurance Company.

License Verified:

License: 86959

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (21)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3100 Lake St, Lake Charles, LA 70601
  • Life Insurance
  • Health Insurance

Why choose this provider?

Lyons Insurance, Inc. is an independent insurance agency in Lake Charles that has been serving local individuals, families, and businesses since 1960. The agency specializes in various life insurance products, including individual life, individual disability, and individual long-term care insurance. It also carries auto, homeowners', valuable items, and flood insurance. Lyons Insurance, a member of the Northlake Insurance Group, has handled the insurance needs of about 4,000 individuals and families and 500 businesses in Southwest Louisiana and East Texas.

License Verified:

License: 310656

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
375 Sam Houston Jones Parkway, Moss Bluff, LA 70611
  • Life Insurance
  • Health Insurance

Why choose this provider?

James Burnham has been a State Farm insurance agent for 17 years. He writes life insurance policies for individuals and families living in Lake Charles. His team has a combined experience of more than 70 years in helping people protect their finances and recover from unexpected life changes. The team lives across various areas in Calcasieu Parish, which has allowed them to understand the unique insurance needs and situations of their clients. James also offers health, homeowners', farm, and ranch policies.

License Verified:

License: 205223

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
201 West College Street, Lake Charles, LA 70605
  • Life Insurance

Why choose this provider?

Protective Risk Agency is an insurance company that serves businesses, families, and individuals in the Lake Charles area. It offers a range of life insurance policies to help its customers secure their financial responsibilities to their beneficiaries and loved ones in the future. Its policies include whole life, term life, and universal life options. The firm also provides risk protection plans for renters, commercial properties, recreational vehicles, and homes. Protective Risk Agency has been in service since 1993.

License Verified:

License: 677593

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
3.9 / 5 (11)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1107 Enterprise Boulevard, Lake Charles, LA 70601
  • Life Insurance

Why choose this provider?

People First Insurance Family is an independent agency that serves the residents of Lake Charles and the surrounding areas. It offers life insurance, as well as health, long-term care, final expense, and pre-need insurance. In addition, it provides other insurance products, such as homeowners', renters', and auto insurance plans. It also offers commercial insurance and workers' compensation insurance policies. Moreover, People First Insurance Family works with various insurance carriers, including The Hartford, UnitedHealthcare, and Progressive.

License Verified:

License: 818733

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Can riders be taken out of a life insurance plan in Lake Charles?

    It is feasible to remove riders from a life insurance plan in Lake Charles at particular times, such as when certain life events occur or the anniversary of the policy. It is important to note that including or eliminating riders on the policy can necessitate underwriter clearance and affect the premium cost.

  • Are dividends from a Lake Charles life insurance policy taxable if they are used to pay for more coverage?

    If dividends from a life insurance policy in Lake Charles are used to pay for paid-up additions or more insurance, they are not subject to taxes. This is because dividends are normally tax-free since they are viewed as a return of premiums.

  • Is it possible to reduce your Lake Charles life insurance premiums over time?

    Over time, you can lower your life insurance premium in Lake Charles by using tactics such as modifying the amount of coverage, utilizing riders and endorsements, and enhancing your medical condition. Regularly evaluating and revising your policy to reflect your changing wants and situations can help reduce your premium.

  • Does your life insurance premium in Lake Charles change depending on how many beneficiaries you name?

    Your life insurance premium in Lake Charles is unaffected by the number of beneficiaries you specify. When naming several beneficiaries, it's important to indicate in the policy the amount of the death benefit each one will receive. You can choose to divide your death benefit equally among your beneficiaries or you can assign a certain amount for each recipient.

  • Will your credit score decrease if you get several Lake Charles life insurance quotes?

    Your credit score will not decrease if you get numerous Lake Charles life insurance quotes from several providers in a short period of time. These soft credit checks shouldn't have a negative effect on your credit history as long. An initial check known as a "soft credit inquiry" is performed by insurance companies to determine your creditworthiness without putting a permanent trace on your credit report.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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