Regardless of what state you live in, you can view instant quotes from multiple companies by filling out the quick quote tool. If you have a lot of health issues its very likely we can still get you immediate coverage. With that, you should speak with one of our agents, so they can determine which companies would be most accepting of all your health issues.
The Pelican State is rich in culture, cuisine, music, and more. This is also a state that has a ton of burial insurance companies.
The bottom line is this
You can easily secure affordable burial insurance in Louisiana. You just need to know what to look for!
Today is your lucky day because we are going to give you all the information you need to secure low cost coverage. We’ll show you important data about your state, and we will teach you a simple method to find the best final expense plan.
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|Rank||Cause of Death||Total Deaths|
|3||Lower Respiratory Disease (COPD & Emphysema)||2,274|
Don’t be discouraged by anything on that list. We have so many companies that we work with that we can find you one that will accept you no matter what. Furthermore, most every health issue on that list is still eligible for full first day coverage!
Just know that no matter what, we can get you approved with some company. That’s the power of having choices 🙂
On average, the typical resident of LA lives to be 75.7 years of age. Unfortunately, this is puts Louisiana at rank 48 among all the states in the USA.
Keep this in mind
You won’t pay a different rate just because you live in Louisiana. The rates here are the same as if you lived in Hawaii or Oregon.
Here’s the bottom line
Regardless of how old you are, you need to act now. Waiting to get your plan in place is guaranteed to ensure your policy will cost more than what it would right now. Not to mention, if you have no coverage you are currently at risk of leaving your family with a pretty hefty financial burden.
In Louisiana the free look period lasts 10 days for new policy sales, and 30 days for any replacement sales. This period entitles everyone the opportunity to review their policy to ensure it meets their expectations.
If for any reason you decide you don’t want the contract, you can refuse it and receive a full return of premiums paid if any. You don’t have to give a reason, and the insurance company is required to process the cancellation along with a return of any monies paid.
You can still cancel a policy or replace it at any time regardless of how long you have had your insurance. If you ever cancel outside of the free look period, you just won’t get any premiums back.
The first thing you must understand about burial insurance for seniors is that it’s still life insurance. It’s just a specific type of life insurance.
It’s very common for companies (us included) to call burial insurance “funeral insurance” or “final expense insurance”. Just know that all three terms mean the same thing.
A burial insurance policy is always whole life. Because they are whole life, you can expect the following:
- They cannot expire at any age
- The monthly price cannot change
- The death benefits cannot decrease
It’s important to note that a final expense policy is never term life insurance. Term life insurance is a policy that expires after a certain number of years. Usually, a term life policy will only last until you turn 80.
When a term life plan expires your coverage is simply over with. You don’t get any money back and you can’t choose to buy another one. At 80, your only option would be to buy a whole life burial insurance plan which can be done.
However, you are 80 so the cost will be much higher. Not to mention, you could have health issues that make it harder to qualify.
How They Are Truly Unique
Funeral insurance plans have two very unique features that you will not find among traditional life insurance plans.
First among them is the underwriting. Burial insurance plans have underwriting that is build to absorb some pretty major health risks.
So what does this mean?
It means that seniors with some serious health issues can still qualify for a plan. Furthermore, they can get coverage that likely protects them in full immediately, and comes at the lowest cost possible.
All around, it’s very rare that a person does not qualify for a final expense plan that offers them full first day coverage and a rock bottom rate. Even then, there are some plans that have no health questions at all. In the end, everyone qualifies regardless of your health.
You will not find life insurance that has more relaxed underwriting than with final expense life insurance.
The other unique feature to these plans is the small face value options. Traditional life policies require you to buy no less than $25,000 or $50,000 in coverage. With burial insurance, you can buy as little as $1,000.
This is great because it enables folks to buy just as much as they need to ensure their funeral costs are taken care of. You don’t have to spend a bunch of money on coverage you don’t necessarily need.
Every day we talk with folks looking for a burial insurance plan. Here’s what most people want:
- They want the lowest cost plan possible
- They want coverage that starts immediately if possible
- They want to be insured by a respectable financially stable insurance company
Does this sound good to you?
The above three bullet points represent the elements of the best burial insurance.
So how do you find it?
First you need to find an agency that specializes in final expense insurance. Then you need to make sure they represent at least 10 different insurance companies. Lastly, tell them everything about your goals, your budget, and your health. They will do the rest.
An agency like that will take all your information and determine which insurance companies will offer you the best deal. In essence, they shop the market to find you the best and lowest cost plan.
There are companies out there that only work with a single insurance company or maybe two or three. If you go to them, their lack of choices will all but ensure that you over pay. This is particularly true if you deal with any health issues.
Everyone loves to shop around to get the best deal. Working with a final expense agency like Choice Mutual is doing just that. The only difference is an agency like us gets all the quotes for you.
Now you know what type of agency to look for to ensure you get the best deal. The truth is, there aren’t many companies out there that truly meet the requirements we set above.
This is where we come in to save you time and money.
Below are the three biggest reasons why you should let us help you secure a burial policy.
- Our objective is to ensure you get the best deal. We are solely committed to making sure we find you the best price and coverage no matter which insurance company provides it.
- Burial insurance is all we do. We do not sell any other type of insurance. We believe in being experts at this rather than being good at many things.
- Our independent status means we can represent as many companies as we want. Furthermore, we presently have access to over 15 different insurance companies.
Lots of agencies may have 1 or 2 of those qualities, but it’s incredibly rare to find all three. Today is your lucky day because you found us 🙂