Life Insurance in Kenner, LA

Life insurance may provide lasting financial stability for your loved ones. If something unexpected happens to you, it may provide a payout to your beneficiaries, helping them cover things like funeral costs, outstanding debts, mortgage payments or daily expenses.

Who Needs Life Insurance?

Life insurance is worth considering if someone depends on your income, such as a spouse, kids or aging parents. Even if you’re single, you might want a policy to cover funeral costs or leave something behind for a cause you care about. Business owners sometimes use life insurance to help their company stay afloat if something happens to them.

How Much Does a Policy Cost?

Life insurance rates are different for each policyholder. Factors such as the insured’s age, health, lifestyle and the amount of coverage all impact costs. For instance, a healthy 30-year-old might pay less than someone older with medical conditions. Smokers usually have higher premiums.

You can choose between term life insurance, which lasts a set number of years, or permanent life insurance, which may remain active as long as you live. Term policies tend to be more affordable, especially for younger buyers.

How Do I File a Claim?

Filing a claim is usually straightforward. The person listed as the beneficiary contacts the insurance company and submits a claim form along with a copy of the death certificate. Some companies may ask for additional documents, but most try to process claims quickly. Once approved, the company sends the payment directly to the beneficiary. It’s a good idea to keep policy details in a safe place and let your loved ones know where to find them.

Life Insurance Agents Near Me

If you’re considering life insurance, Fitzwilliam Insurance Services LLC is here to help. Our experienced agents can guide you through the process and help you secure a suitable policy. Contact us today.