Expertise.com

2024

Last updated:

Best Life Insurance Companies in Louisiana

Our Recommended Top 11

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Louisiana Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

204918Reviewed

122955Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Louisiana

Expertise.com Rating

Review Sources

Google
4.8 (21)

Why choose this provider?

Veillon Insurance caters to residents of Louisiana who need life policies. The team offers protection for unforeseen loss or harm suffered by individuals and has umbrella options that extend to properties. The assets covered include motorcycles, personal cars, watercraft, and recreational vehicles. Specialized programs that shield against flood damage are also available. Veillon Insurance was founded by Eric Veillon, who started in the insurance sector as a State Farm agent before opening his own agency in 2014.

  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Google
4.5 (22)
Facebook
5.0 (2)

Why choose this provider?

Acadiana Insurance Agency Inc. helps individuals and families in Louisiana prepare for the future by getting a life insurance policy. Its specialists work to determine the right coverage that best suits their clients' needs. Among the types of plans available are term, whole, and universal life insurance. There are also annuities and commercial coverage offered. The agency's partner carriers include Kemper, Foremost Insurance Group, and National General Insurance. Founder Jonathan Lewis and his business partner have over 40 years of combined expertise in the field.

  • Health Insurance
  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (7)

Why choose this provider?

Hearod-Lyons Insurance Group is an independent agency working with major providers to deliver various insurance plans to residents across Louisiana. Clients who are looking to protect and maintain the financial stability of their families can benefit from the company's life insurance products. It carries term life and whole life policies that cover federal death, estate taxes, and final expenses, as well as create inheritance. In addition to helping clients select a plan, Hearod-Lyons Insurance Group reviews existing policies.

  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Facebook
4.7 (29)
Google
4.9 (27)

Why choose this provider?

Core Insurance serves clients in Louisiana and the surrounding areas. The company offers life insurance to ensure the financial security of its clients' beneficiaries. Its independent insurance agents work with a variety of carriers to provide term and permanent life policies that can cover lost income, debt payments, education expenses, and funeral costs. The team also offers auto, home, renters, health, and business insurance. The company strives to build long-term relationships with its clients by ensuring that they have policies that cover every aspect of their lives.

  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Google
5.0 (58)
Yelp
3.0 (1)

Why choose this provider?

Attales Insurance Agency caters to individuals, families, and business owners in the Louisiana community. It offers life insurance policies, including term and permanent plans, based on clients' unique circumstances, needs, and financial goals. It also provides automobile, recreational vehicle, and homeowners' insurance policies. Additionally, the agency has risk management options for general business liability, workers' compensation, and commercial auto. Attales Insurance Agency partners with multiple carriers, including The Hartford, Liberty Mutual Insurance, Progressive, and Safeco.

  • Health Insurance
  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Facebook
4.9 (54)
Google
5.0 (25)

Why choose this provider?

Leauxcal Insurance is a locally owned and operated company that caters to people living in Louisiana. It provides customers with life insurance products to assist their families in covering debts and funeral and educational expenses in the event of their passing. It works with numerous carriers to help clients find coverage that fits their unique situations and needs. The firm has more than 10 years of experience in the field and also offers workers' compensation, auto, flood, and homeowners' insurance plans.

  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Google
4.9 (62)
Facebook
5.0 (19)

Why choose this provider?

Ozark Insurance Agency serves the residents of Louisiana and its surrounding areas. Its team of professional agents offers different types of life insurance policies, including term and whole or universal. The independent firm also handles personal coverages for autos, boats, classic cars, motorcycles, and recreational vehicles. In addition, it provides homeowners’, renters’, and umbrella plans. Ozark Insurance Agency has more than 50 years of industry experience. It is affiliated with companies like Progressive, Safeco, MetLife, and AmTrust Financial Services.

  • Health Insurance
  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Google
4.5 (20)

Why choose this provider?

Davis Insurance Agency LLP is a locally owned business that helps individuals, families, and business owners in Louisiana. Its agents provide a wide range of personal and business insurance solutions such as automobile, home, personal umbrella, general liability, and workers' compensation. The company also represents various carriers to give clients different options and help them find the right coverage that matches their needs. It has been in the insurance industry for more than 45 years and is a member of the Independent Insurance Agents and Brokers of America.

  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Facebook
4.1 (10)
Google
1.0 (1)

Why choose this provider?

Turrentine Insurance Agency, Inc. offers its services to its personal and commercial clients in Louisiana. The locally owned and operated independent agency provides packages that address life, health, umbrella, and auto insurance matters. Its team crafts personalized life insurance policies concerning term life and whole or universal life insurance products. The staff also handles both individual and group health insurance concerns. The agency has been assisting clients with their insurance concerns for more than 50 years.

  • Health Insurance
  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Facebook
4.7 (24)

Why choose this provider?

Kilpatrick Life Insurance Company is a locally owned business that has been protecting policyholders in Louisiana since 1932. It provides an array of life insurance options, such as ambulance policies, hospital indemnity, mortgage protection, term and whole life insurance, and policies for burial expenses. Content insurance is also offered through its subsidiary, State National Fire Insurance Company. The firm received the Pat Beard Industry of the Year award from 2012 to 2013.

  • Life Insurance

Louisiana

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
5.0 (18)

Why choose this provider?

Local Choice Insurance Agency serves clients throughout Louisiana. Its agents deliver over 35 years of collective experience in providing multiple coverages that meet customers' specific needs. They offer life insurance plans to financially prepare beneficiaries in the event of an untimely death. In addition, the company caters to residential and rental properties with protection policies against storms, fires, and floods. It also helps business owners and their employees regarding general and property liabilities, as well as workers' compensation.

  • Life Insurance

FAQs

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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