Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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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.

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.

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

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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.

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.