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Auto insurance protects you against financial loss if you have an accident.

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A standard policy insures the home itself and the things you keep in it.

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Discover the perfect insurance options to meet your specific and unique needs.

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Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

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Life Insurance


Life Insurance Quote Forms

Insurance coverage in Alexandria, Baton Rouge, Prairieville, Denham Springs, Gonzales, Central, Baker, Zachary, Port Allen & throughout Louisiana. 
 Click any of the following links to submit a quote for quick, accurate and affordable rates.

The Louisiana Insurance Center works closely with several top rated companies to shop around for your insurance needs. Some of our trusted partners include: Safeco, Progressive, ASI, Foremost, UPC, MetLife, Maison, Blue Cross Blue Shield of Louisiana, Humana, United HealthCare, Principal Life, Protective Life, LWCC and more.



Life Insurance Information

Life Insurance

Baton Rouge, Prairieville, Gonzales, LA

 

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Thank you for your interest in The Louisiana Insurance Center. We work with multiple A+ rated carriers to bring you the best coverage to fit your needs and budget. Please feel free to call our office at 225-292-7680 to talk to an insurance agent or email your questions and an insurance professional will reply promptly.


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