Louisiana Term and Universal Life Insurance

Louisiana Life Insurance Resources

The underwriting requirements for Louisiana Term and Universal Life Insurance vary among companies. Some life insurance applicants may simply need to answer questions on an application taken by an agent. Or, they might need to take a brief medical exam. The Paramed exam generally includes a blood test, urine test, an an EKG. Whenever a medical or paramedical examination is required, the insurance company pays for the exam.

The need for an exam is usually based on three factors:

  • The proposed insured’s age
  • The amount of life insurance applied for
  • The proposed insured’s medical history.

Louisiana Department of Insurance  – The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the Louisiana Life insurance market.

Louisiana Life & Health Insurance Protection Association: The state life insurance guaranty association works to guarantee the safety of all Louisiana Life Insurance coverage, even in the face of an insolvency by a member life insurance company.

Louisiana Life Insurance Company Ratings: AM Best is the most prominent ratings company reviewing Louisiana Life Insurance Companies based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies.

Here is a complete list of the State Departments of Insurance

Learn more about our wonderful state. Check out Netstate’s Louisiana State Almanac

Our life insurance agents service all communities in Louisiana including:

  • New Orleans
  • Baton Rouge
  • Shreveport
  • Lafayette
  • Lake Charles

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