Burial insurance In Louisiana for Final Expense

For the Jazz Capitol of the World, There are quite a few burial insurance louisiana options.

For a complete guide on what these policies are you can read more on what is burial insurance.

Getting the best and most affordable burial insurance for seniors in Louisiana is simple and we will show you how. Burial coverage is simply final expense life insurance. They are the same thing just 2 different marketing names. These would be whole life insurance policies with face amounts typically between $1,000 to $50,000. These policies cover funeral and burial as well as many other end of life expenses.

We will explain how to pick the right life insurance company. We specialize in carriers that have a quick payout meaning your family gets the death benefits quickly which makes the funeral directors happy. This is the best kind of burial insurance Louisiana has to offer.

Related: Burial Insurance in All States

Understanding Burial Insurance

Burial insurance (funeral insurance, cremation insurance, final expense insurance ) is simplified issue whole life insurance ,guaranteed issue life insurance and in some cases prepaid funerals.

Coverage is permanent and offers amounts up to $50,000 to pay as a lump sum to your beneficiary to use for funeral and other end of life expenses. If any money is leftover after final expenses they can keep that money and use it for whatever they want.

There are no medical exams for final expense insurance due to the simplified underwriting. Only health questions, prescription and health history checks are required.

Cost of Final Expense Insurance in Louisiana Ages 19-91

Below is a table showing the average cost of funeral insurance for young adults all the way to seniors over 70, 80 and 90.

Age	$10,000 Male Non Smoker	$10,000 Male Smoker	$10,000 Female Non Smoker	$10,000 Female Smoker
19	$12.87	$16.59	$12.03	$13.74
20	$13.19	$17.02	$12.13	$15.40
21	$13.50	$17.46	$12.74	$17.02
22	$14.17	$18.18	$13.06	$17.05
23	$14.54	$18.51	$13.77	$17.08
24	$15.43	$19.19	$15.16	$17.10
25	$15.95	$20.00	$15.28	$17.39
26	$16.28	$20.83	$15.40	$17.69
27	$16.61	$21.75	$15.51	$17.95
28	$16.92	$22.15	$15.61	$18.22
29	$17.25	$22.54	$15.73	$18.48
30	$17.57	$23.07	$16.09	$19.06
31	$17.97	$23.60	$16.45	$19.66
32	$19.84	$24.25	$16.79	$20.21
33	$20.34	$25.00	$17.12	$20.75
34	$20.93	$25.83	$17.45	$21.28
35	$21.53	$26.59	$17.99	$21.89
36	$22.14	$27.37	$18.54	$22.50
37	$22.84	$28.18	$19.06	$23.08
38	$23.54	$29.08	$19.55	$23.62
39	$24.34	$29.87	$20.05	$24.18
40	$23.13	$30.66	$20.70	$24.98
41	$23.62	$31.43	$19.75	$25.80
42	$24.11	$32.21	$19.93	$26.57
43	$24.64	$32.93	$20.10	$27.30
44	$25.18	$33.41	$20.38	$28.03
45	$25.79	$34.00	$20.88	$28.80
46	$26.43	$34.57	$21.43	$29.55
47	$27.10	$35.17	$22.01	$28.06
48	$27.71	$35.58	$22.33	$28.56
49	$27.35	$38.27	$21.78	$29.22
50	$28.29	$39.47	$23.56	$30.14
51	$29.26	$40.77	$24.48	$31.06
52	$30.31	$42.22	$25.09	$32.72
53	$31.47	$43.83	$25.62	$34.54
54	$32.77	$45.44	$26.26	$38.99
55	$34.25	$48.12	$27.11	$40.85
56	$35.88	$52.06	$28.20	$42.71
57	$37.69	$54.25	$29.51	$42.30
58	$39.64	$56.72	$31.70	$43.61
59	$40.10	$55.60	$31.00	$44.50
60	$41.84	$56.72	$31.70	$43.61
61	$43.76	$59.64	$32.87	$45.19
62	$46.41	$63.28	$34.51	$47.48
63	$49.07	$67.72	$36.06	$49.78
64	$51.22	$69.53	$37.72	$52.07
65	$53.58	$72.72	$39.36	$54.36
66	$56.48	$76.06	$41.01	$56.66
67	$59.85	$80.53	$43.44	$60.22
68	$63.18	$84.67	$45.86	$63.60
69	$66.84	$89.65	$48.29	$66.09
70	$70.79	$94.64	$50.81	$70.45
71	$73.15	$98.31	$53.24	$72.18
72	$78.81	$103.97	$56.20	$75.86
73	$83.99	$109.94	$58.46	$79.74
74	$89.46	$116.69	$63.55	$84.14
75	$94.87	$123.65	$67.78	$88.66
76	$99.97	$132.48	$72.41	$94.42
77	$107.04	$141.32	$78.25	$101.63
78	$114.13	$150.57	$83.51	$108.24
79	$122.13	$161.81	$88.44	$115.15
80	$129.52	$171.23	$93.41	$125.01
81	$139.73	$181.75	$98.43	$135.14
82	$149.95	$192.98	$106.21	$147.04
83	$160.16	$204.65	$113.96	$160.56
84	$171.02	$219.19	$121.31	$170.76
85	$181.88	$237.28	$128.55	$179.58
86	$192.74	$257.57	$135.90	$192.35
87	$236.25	$337.32	$171.33	$237.32
88	$276.68	$353.99	$205.98	$253.99
89	$317.10	$370.65	$240.63	$278.99
91	$387.32	$387.32	$337.32	$337.32
90	$357.53	$378.98	$275.28	$303.99

Best Burial Insurance Companies in Louisiana

When looking for a company to get the right insurance plan with there are factors to consider.

1. Are they A-rated? An A rating means they have done quality business over a long period of time.
2. Have they been in business for more than 70 years? The longer the carrier has been in business the more certainty you have that they are not going anywhere any time soon.

When it comes to funeral insurance these 2 factors are key. Also, do the carriers specialize in burial insurance?

This is why when it comes to companies like Globe Life and State Farm, we do not recommend them when it comes to final expense life insurance. A carrier that specializes in burial insurance is what you would need.

These carriers specialize in the senior market and have designed their plans to not only accept seniors with health conditions such as diabetes,COPD, heart attack, and stroke. But also to provide a 1 – 2 day payout for their policies.

This means your family gets the benefits fast, pays for the funeral fast, and makes grieving just a little bit easier.

The best burial insurance companies are as follows:

1. Mutual of Omaha
2. Liberty Bankers Life
3. Aetna
4. Prosperity Life
5. Transamerica
6. AIG
7. Prosperity Life
8. American Amicable Final Expense
9. Gerber Final Expense

Quick Tip: To see rates for these companies fill out the form to your right

Cost of Funeral Services in Louisiana

With the burials averaging between $8,000 to $12,000 and cremations $3,000 to $5,000 selecting the right amount of coverage is important.

According to worldpopulationreview the total cost including the funeral cost and end-of-life cost is $20,186!

According to US – Funerals a cremation in Louisiana is $3,900.

Most families in America do not have these funds readily available which results in a big financial burden falling on them for the burial expenses.

Working with the right Insurance Agency

Working with an agency like ours is paramount to your success in finding the perfect policy for you and your family’s needs. When working with an agency some questions to ask would be:

1. Are they captive?
2. Are they national?
3. do they represent 10 or more carriers?

To answer all of those we are non-captive meaning we do not work for any single insurance carrier. We are a national agency that works with clients throughout the USA. Now we represent more than 10 carriers which allow our agents to shop the market for you and isolate the best carrier and rate available. We specialize in burial insurance louisiana.

Underwriting

We pride ourselves on our specialized risk assessment training. Our agents are trained to know what the in’s and out’s are of these companies. We have helped clients with health conditions such as COPD, CHF, stroke, heart attack in many cases obtain day one coverage.

In a lot of cases, we have seen other agencies put clients that qualify for day 1 coverage into policies with a waiting period. This could be due to them being captive or only having access to 2 companies which is by no means the best way to serve you! Getting final expense insurance with no waiting period should be the primary goal.

Burial Insurance Louisiana Guaranteed Issue Policies

We have an extensive guide on this topic you can read about Guaranteed Issue Life Insurance.

Above all, there are conditions that cannot qualify for day 1 coverage ever under any circumstances. Some examples of these conditions would include:

• Alzheimer’s
• Dementia
• Mental Incapacity
• Organ Transplant
• Diabetic Amputation

As you can see those examples are major high-risk issues. If you are a type 2 diabetic just taking metformin and no other health issues a Guaranteed Issue policy would not be for you.

The best part about Guaranteed Issue policies is no one can be denied regardless of health. So if you have any of those conditions you can still be accepted! Guaranteed Issue policies do have a 2 year waiting period for the full death benefit, however, if you were to pass within that 2 year period it would pay your family the premiums paid into it plus 10% which is an excellent rate of return so no money is lost.

Having access to all of these policies allows us to help any consumer we talk to.

Cremation Costs In Louisiana a $5,000 Death Benefit Final Expense Policy Should Do

According to US Funerals, a cremation service with a funeral is around $3,900. This means to make sure you cover your cremation costs in Louisiana you will need a $5,000 death benefit whole life final expense policy. This will 100% cover your cremation costs in Louisiana if you are planning to do a cremation when you die.

In addition to this getting funeral insurance with life insurance companies means that your burial insurance will send your beneficiary a check no matter what city you die in. This means you have the flexibility for which funeral home you would want your family to pay to cover the cremation costs in Louisiana. Having sufficient burial insurance in Louisiana for cremation or a full-service funeral is crucial to protecting your family from any big funeral bills.

Burial Costs for Each City in Louisiana

Below we are going to list each city in Louisiana and the average burial costs to give you a comprehensive idea of how much burial insurance in Louisiana you will need. When searching burial costs on the local level it is always important to search your specific city and check with local funeral homes. Making sure you have the right amount of final expense insurance in Louisiana takes care of everything for your family.

As long as you have the right amount of funeral insurance in Louisiana this should spare your family from any future grievances concerning your funeral costs in Louisiana.

Burial Costs for Each City in Lousiana

New Orleans – According to perfectgoodbyes.com the total cost of a funeral in New Orleans is $5,839 When all Service fees are added up.

Paramount Quote’s Mission

1. We are national & Independent. We work with the top carriers in all states to find you the best coverage for your unique needs.
2. We work with burial insurance only it is our specialty meaning our training is next to none.
3. When working with our agents they not only take the time to know you and find you the best coverage but also become your agent for life. They are always on call. We pride ourselves on developing relationships with our clients for life!