Life Insurance
Life Insurance Quote Forms
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Life Insurance Information
Life Insurance in Louisiana
Servicing Morgan City, Patterson, Berwick, Bayou Vista, Houma, Thibodaux, Franklin and surrounding areas
Come to Bruni Insurance Agency for local, personal service from one of Morgan City and Patterson, Louisiana's most established insurance agencies. We are here to help you sort through all your life insurance options so you can replace income for your dependents if you die. Life insurance is a wise choice for parents with young children, for couples who rely on each other's income, and for dependent adults, such as parents, siblings or children who continue to rely on you financially. You may also need life insurance for business purposes, to cover a key player or business partner.
Louisiana life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. It can also cover federal and state death and estate taxes so that your heirs do not have to liquidate other assets or take a smaller inheritance.
Our affordable life insurance policies can even help you create a source of savings. Some plans create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner's request.
What Is Life Insurance?
Life insurance is a contract between an individual or entity and an insurer. In exchange for regular premium payments, the insurance company provides a death benefit to named beneficiaries upon the insured person’s death.
Depending on the type of policy you choose, there may be a savings component included with the life insurance.
The policy’s beneficiaries can use a life insurance death benefit for any reason, including paying regular bills, reducing or eliminating debt or to support a charity.
What are the Different Types of Life Insurance?
Term Life Insurance pays out only if death occurs during the term of the policy, which usually ranges from 1-30 years. In contrast, Whole Life Insurance pays a death benefit whenever you die regardless of your age. The death benefit and premium will stay the same throughout the life of the policy.
How Much Life Insurance Do I Need?
The amount of life insurance you need depends on several factors. Many people consider the following when choosing a death benefit amount:
- Jointly held debts
- Children or other dependents that may need ongoing financial support
- Estate taxes
- Life insurance premium amounts
Your agent can help evaluate your situation and recommend a type and amount of life insurance to help meet the needs of your beneficiaries.
Our agents are here to help insure that your financial plan is sound. If you are in Morgan City, Patterson, Jeanerette, Franklin, Berwick or South Louisiana, life insurance from Bruni Insurance Agency might be right for you.
Are you ready to get a Life insurance quote? Fill out our quick and easy quote form today!
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