Which Companies Offer Burial Insurance In Louisiana?
States regulate insurance companies rather than the federal government. For that reason, final expense insurance in the USA may vary from one state to another.
Below is a table with a comprehensive list of burial insurance companies in Louisiana.
How Much Does Final Expense Insurance Cost In Louisiana ?
The cost of funeral insurance is typically $50 to $100 per month for a $10,000 death benefit. Remember that the premium you pay is based on your exact age, gender, health, state, tobacco usage (if any), and how much coverage you want.
Below are some sample Louisiana final expense insurance quotes (monthly).
How Does Final Expense Life Insurance Work?
Burial insurance is a type of whole life insurance plan with very small coverage options ($2,000-$50,000) and doesn’t require a medical exam.
While the policy’s proceeds are typically meant to cover your final expenses, the money can technically be spent on anything.
That means your beneficiaries may use the funds to cover funeral costs, medical bills, credit card debts, legal bills, or any other expenses. Plus, if they have any remaining money after the funeral bills are paid, they get to keep it.
In most cases, you only have to answer basic health questions to qualify. If approved, there is no waiting period. However, some plans are guaranteed acceptance and have no health questions.
Please note that guaranteed issue life insurance plans always have a two-year waiting period. If you die within the first two years, the insurer will only refund your premiums, plus approximately 10% interest.
Since burial insurance policies for seniors are a type of whole life insurance, the coverage will last indefinitely. Also, the premiums and coverage never change, and it will build cash value you can borrow against as it grows.
How Much Does A Funeral Cost In Louisiana?
| Service Type | Average Cost |
|---|---|
| Burial Service | $7,912 |
| Direct Burial (No Service) | $5,201 |
| Cremation Service | $5,890 |
| Direct Cremation (No Service) | $2,312 |
| Funeral with service data source: NFDA General Price List Study Direct funeral data source: Funeralocity |
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Funeral costs vary depending on your selections, but these averages provide a reasonable basis for estimating the price of a funeral.
The Free Look Period In Louisiana And The FTC Funeral Rule
Louisiana law mandates that every life insurance policy include a ten-day free look provision.
During the free look period, you can return your policy and get a full refund of any premiums you’ve paid.
Another law to keep in mind is the FTC’s Funeral Rule. It’s a national law that requires funeral homes to abide by certain principles, such as:
- Provide written or verbal prices upon request.
- Allow consumers to pick and choose which products and services they want.
- Consumers can use products (such as urns or caskets) from third-party vendors.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 19 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 19 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 14 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 14 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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States. https://www.iii.org/publications/commercial-insurance/how-it-functions/regulation
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NFDA General Price List Study. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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Funeralocity. https://www.funeralocity.com/average-funeral-price
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Louisiana law. https://legis.la.gov/Legis/Law.aspx?d=507805
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FTC’s Funeral Rule. https://www.ftc.gov/news-events/topics/truth-advertising/funeral-rule
- Data sourced from Choice Mutual quote calculator for a 65-year-old applicant who does not use tobacco. Data is valid as of 08/28/2025.
- Data sourced from Choice Mutual quote calculator using a 365-day rolling average (08/28/2024-08/28/2025).
- Data sourced from 2023 NFDA General Price List Study.
