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Insurance - Life in Baton Rouge, LA
A Acadian Assurance Inc - Baton Rouge, LA - Phone: (225) 293-1837
Abadie Financial Services - Baton Rouge, LA - Phone: (225) 926-3400
Albert Salzer - Baton Rouge, LA - Phone: (225) 291-4008
Alfred- Anna Jones - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 356-1241
Allstate Insurance - Baton Rouge, LA - Phone: (225) 291-1010
Allstate Insurance Companies - Baton Rouge, LA - Phone: (225) 749-0091
Allstate Insurance Companies - Sales Offices- Port Allen - Baton Rouge, LA - Phone: (225) 344-2816
Allstate Insurance Company - Baton Rouge, LA - Phone: (225) 768-1550
Alpha Group Inc - Baton Rouge, LA - Phone: (225) 343-6822
American General Life & Accident Insurance CO - Baton Rouge, LA - Phone: (225) 926-6701
American National - Baton Rouge, LA - Phone: (225) 291-3386
Andrews John E - Baton Rouge, LA - Phone: (225) 926-0026
Aptaker Agency Inc - Baton Rouge, LA - Phone: (225) 343-9841
Barkas- William M - Baton Rouge, LA - Phone: (225) 924-3452
Beaucoudray Medica Insurance - Baton Rouge, LA - Phone: (225) 293-9009
Bill Coffey - Baton Rouge, LA - Phone: (225) 766-8191
Bill Whittle & Associates - Baton Rouge, LA - Phone: (225) 293-1484
Black Douglas A Insurance - Baton Rouge, LA - Phone: (225) 767-1189
Bordelon Dean A - Baton Rouge, LA - Phone: (225) 927-8691
Burley- Robert E - Baton Rouge, LA - Phone: (225) 927-3657
Campbells Insurance Agency - Baton Rouge, LA - Phone: (225) 216-1805
Cooper- Calvin Chip - Baton Rouge, LA - Phone: (225) 751-4840
Crane- James G - Baton Rouge, LA - Phone: (225) 766-7085
Cuevas- Jerry H - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 766-0361
Daily- Cheryl L - Baton Rouge, LA - Phone: (225) 292-3003
Daniel- Randal D - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 926-9575
Darnell Browning Ins Agcy Inc - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 752-1600
Debbie Whitlock-Kennedy - Baton Rouge, LA - Phone: (225) 766-1550
Delahaye Michael T Insurance - Baton Rouge, LA - Phone: (225) 923-2300
Detlefs & Company Benefit Resources - Baton Rouge, LA - Phone: (225) 924-1444
Don Esposito- CLU ChFC - Baton Rouge, LA - Phone: (225) 292-8600
Ebarb Julius - Baton Rouge, LA - Phone: (225) 763-6307
Elkins- Timothy B - Baton Rouge, LA - Phone: (225) 292-2222
Ellis Daryl Robert CFP - Baton Rouge, LA - Phone: (225) 925-8312
Eversberg H Wallace CLU - Baton Rouge, LA - Phone: (225) 344-9995
Exam One - Baton Rouge, LA - Phone: (225) 706-1377
Greg Williams and Associates - Baton Rouge, LA - Phone: (225) 292-2375
Griffith- Craig W - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 753-2070
Group Insurance Inc of Louisiana - Baton Rouge, LA - Phone: (225) 293-1770
Guaranty Income Life Insurance CO - Baton Rouge, LA - Phone: (225) 383-0355
Guardian Life Insurance CO of America - Baton Rouge, LA - Phone: (225) 766-9700
Harper- Danny R - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 778-0747
Hartford Life Insurance Company - Baton Rouge, LA - Phone: (225) 292-6783
Hoffman- David L - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 272-2284
Intersecurities Inc - Baton Rouge, LA - Phone: (225) 927-9988
Johnson- Ellis E - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 261-6280
Johnson- Steven K - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 752-1280
Kanatani Kirk W Insurance - Baton Rouge, LA - Phone: (225) 756-0041
Kelly L Elkins Ins Agency Inc - State Farm Insurance Agent - Baton Rouge, LA - Phone: (225) 293-7805
Kenneth Streater Jr. - Baton Rouge, LA - Phone: (866) 821-3555
Helpful Definition for: Insurance - Life
Life insurance, in Baton Rouge, is defined as a contract between the the insurer, & the insured according to which, the insurer pays a designated beneficiary or nominee a premium upon the demise of the insured person. Other events such as terminal illness or critical illness may also fall under the coverage of the policy. In return, the policy has to pay a fixed amount as per the deal, during his lifetime.
Life insurance policies in Baton Rouge are the legal contracts & possess limitations of the insured events. Often specific exclusions are written into the contract to limit the insurer’s liability. Life-based contracts are generally classified as:
Protection policies that are designed to provide monetary benefits in a specified event & Investment policies that mainly aim at facilitating the growth of capital by regular or single premiums. Life insurance may be of two basic types – temporary or term insurance and permanent insurance, which again has four subtypes –universal, whole life, limited pay and endowment life insurance.
Term assurance is a temporary insurance that provides life insurance coverage for a specified term of years against a specified premium. Accidental death is a sub-type of temporary insurance, which provides coverage to the insured in case of his death due to an accident and not any kind of health problem or suicide.
Permanent life insurance is life insurance that remains valid until the maturation of the policy due to failing of the owner to pay the premium.
Universal life insurance is a latest insurance product that intends to provide permanent insurance coverage with greater flexibility in premium payment and the potential for greater growth of cash values.
Whole life insurance provides guaranteed death benefits, guaranteed cash values, fixed and known annual premiums & non-reducible cash value even in case of mortality charges & other related expenses.
Limited-pay life insurance involves payment of all the premiums over a certain period after which no additional premiums are needed to keep the policy valid.
Endowments are the policies in which at a certain age of the insured, the cash value built up inside the policy, equals the death benefit.
