Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Orleans, LA Whole Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Whole Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
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Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Whole Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Whole Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Whole Life Insurance rates from all the providers in New Orleans, LA. Get started in under 15 minutes.
All your Whole Life Insurance needs in one place.
Looking for whole life insurance? We've got you covered. PolicyHub makes it easy to find the best whole life insurance policy for you and your family. Whether you need traditional, single-premium, limited-payment, or variable whole life insurance, you'll find the best rates right here at PolicyHub.
Traditional whole life insurance provides a guaranteed death benefit, fixed premiums and a cash value component that grows over time. It's ideal for those seeking lifelong coverage with consistent payments. Single-premium whole life insurance requires a lump-sum payment upfront in exchange for a guaranteed death benefit. This policy suits those who have a large sum of money they wish to convert into a life insurance policy quickly.
Limited-payment whole life insurance allows policyholders to pay off their policy over a set period of time, after which no further premiums are due, but the coverage continues for life. Variable whole life insurance offers a death benefit and a cash value component that can be invested in sub-accounts, similar to mutual funds. This policy is suitable for those comfortable with investment risk, seeking potential for cash value growth.
Save time and get the best Whole Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Whole Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Whole Life Insurance agent.
Roy Stephens
Whole life insurance agent
Roy Stephens is a whole life insurance agent licensed in your state.
Mark Sidway
Whole life insurance agent
Mark Sidway is a whole life insurance agent licensed in your state.
Cale Reeves
Whole life insurance agent
Cale Reeves is a whole life insurance agent licensed in your state.
"I was searching for Whole Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Whole Life Insurance in New Orleans, LA.
Frequent Questions...
The answer to your question “Does whole life insurance have an expiration date?” is no. Whole life insurance policies are available for purchase in New Orleans, LA and provide coverage for a person’s life, without an expiration date. With whole life insurance there is a guaranteed death benefit, a guaranteed premium, and surrender values that are accumulated over time – they can be borrowed against as long as premiums are up to date. Additionally, whole life insurance policies typically increase in value over time, making them a great long-term solution for those looking for stability and asset growth.
Are warfare actions excluded by whole life insurance companies in New Orleans?
Whole life insurance policies, including those purchased in New Orleans, LA, are not typically designed to cover acts of war as they are viewed as uninsurable risks. For this reason, the coverage provided by a whole life insurance policy in New Orleans does not extend to the personal losses caused by armed conflict. Individuals looking for additional coverage for losses resulting from an act of war should look into supplementing their whole life policy with a specific war-risk insurance policy.
How do dividends function in a whole life insurance policy New Orleans?
In New Orleans, LA, dividends in a whole life insurance policy work similarly to how they work in other cities across the US. Dividends refer to amounts paid to policyholders by the insurance company for policyholders who have opted to pay for a portion, or the entire balance, of their insurance premiums. The dividends are typically paid out on an annual basis and are based on the company's performance in the preceding year. Dividends are not guaranteed, so policyholders should take care to research their insurance company when selecting a policy to ensure the company is financially stable.
Is it possible to convert my term policy to whole life insurance near New Orleans?
Upgrading your term policy to whole life insurance is a great option for New Orleans residents. Depending on the policy you have, you may be able to convert it to a permanent life insurance policy without having to provide additional medical information. Furthermore, your policy's death benefit may increase while remaining in your budget, making it a convenient option. To ensure your life insurance plan meets your exact needs, it's important to consult a professional who can explain the various options available from different providers in the New Orleans area.
Can I modify the payment schedule with a whole life insurance company New Orleans?
Absolutely. In New Orleans, LA, you can customize the payment plan for your whole life policy to ensure the financial security of you and your family. There are several insurance companies here that offer top-of-the-line solutions tailored to your individual needs and budget, such as the option for paying into the policy with an initial lump sum or breaking the payments into smaller, more convenient plans. You'll be able to work with your local agent to explore your options ensuring the best possible peace of mind.
Whole life insurance policies do not have a set maturity age, though some in New Orleans may reach maturity earlier than others. This depends on a variety of factors, including the duration of the policy and the rate of return on investment. Additionally, some policyholders may opt to pay a higher premium in order to achieve maturity sooner. Your local insurance agent can help you determine the specific maturity age for your policy.
Is it possible to sell whole life insurance policies near New Orleans in the secondary market?
Yes, it is possible to sell a whole life policy in the secondary market in New Orleans, LA. There are several licensed brokers in the New Orleans area that specialize in secondary market life insurance transactions. Selling a policy in the secondary market can provide policyholders in New Orleans with the financial support they need, whether it be for debt relief or investing in something more long-term. Furthermore, the process is relatively simple and straightforward. It requires paperwork and a few documents, but the broker can assist in guiding policyholders through the process.
What tax benefits can whole life insurance in New Orleans provide?
In New Orleans, LA, whole life insurance can offer certain tax advantages when invested properly. Premiums paid under the cash value portion of the policy are made with after-tax dollars, but this money accumulates tax-deferred and any subsequent withdrawals are tax-free up to the total premium amount paid in. Furthermore, when the policy is liquidated, any money remaining in the cash value portion of the policy is subject to earnings tax.
Can I remit premiums for a New Orleans whole life insurance policy on a monthly or annual basis?
Yes, in New Orleans, LA you are able to pay whole life insurance premiums on either a monthly or yearly basis. Many people decide to break up their payments into manageable monthly chunks, while others prefer the ‘one and done’ approach by paying for the entire policy each year. Deciding which payment option is right for you is an individual choice, so it is important to speak with a qualified insurance specialist who can guide you through the process. Ultimately, the choice is up to you.
How does my age when purchasing affect rates with a New Orleans whole life insurance company?
In New Orleans, LA, it is important to consider your age at the time of purchasing a policy. Generally, younger people may be charged higher premiums due to being perceived as higher-risk drivers. On the other hand, as drivers get older they can qualify for discounts as insurers see their driving experience as reducing the risk of a claim. Where your age falls can have a sizeable impact on the cost of your premiums so it is important to be aware of this when deciding what type of insurance policy to buy.
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