Life insurance by state · LA
Life insurance in Louisiana
What Louisiana law gives you, which carriers quote in Louisiana, and how to get covered — from an independent agency licensed in Louisiana.
The short answer
Louisiana residents can choose from 10 final expense and 14 term life carriers we work with that quote in Louisiana. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Louisiana
| Regulator | Louisiana Department of Insurance |
|---|---|
| Free-look period | Typically at least 10 days · 30 days for replacement policies: unconditional full refund within 30 days of delivery (La. Admin. Code tit. 37, pt. XIII, § 8911(A)(5), Regulation 70) |
| Guaranty association | Louisiana Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | Yes |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Louisiana
- Louisiana insurers must settle life insurance death claims within 60 days of receiving due proof of death, and if they fail to without just cause the amount due bears 8% annual interest from receipt of proof until paid (La. R.S. 22:1811). Source
- A Louisiana preneed funeral contract buyer may cancel within 10 days after signing for a full refund of all monies, and no cancellation surcharge or fee may be imposed (La. R.S. 37:864). Source
Carriers we work with that quote in Louisiana
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · SBLI · Transamerica · UHL
From our quoting system’s Louisiana results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Louisiana
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Louisiana carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Louisiana. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Louisiana — FAQ
How long is the free-look period for life insurance in Louisiana?
New individual life insurance policies sold in Louisiana typically give you at least 10 days to review the policy and cancel for a full refund (30 days for replacement policies: unconditional full refund within 30 days of delivery (La. Admin. Code tit. 37, pt. XIII, § 8911(A)(5), Regulation 70)). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Louisiana?
The Louisiana Life & Health Insurance Guaranty Association protects Louisiana residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Louisiana?
The Louisiana Department of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Louisiana by phone?
Yes. United Eagles Financial is licensed for life insurance in Louisiana; most applications are done by phone or video with an electronic signature.
Does Louisiana community property law affect life insurance?
It can. Louisiana is a community-property state, so a policy bought with marital funds may be partly a spouse’s property — which can matter if you name someone other than your spouse as beneficiary. Ask an attorney if that applies to you.