Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Opelousas, 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
ATTN: 2024 Whole Life Insurance rates just released!
Get the latest Whole Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Whole Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
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
Lock in cheap rates.
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 Opelousas, 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.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Opelousas, LA.
Frequent Questions...
Whole life insurance provides coverage throughout an individual's lifetime, while term life insurance is only for a specific period (usually 10 to 30 years). Whole life insurance also features cash value growth, meaning there is automatic savings with a competitive interest rate, while term life insurance policies do not have cash value growth. In Opelousas, LA, a typical whole life insurance policy may be more expensive than a typical term life insurance policy, but the lifetime protection and the tax-deferred cash value growth offered by whole life insurance may offer more value for your premium dollar.
Are warfare actions excluded by whole life insurance companies in Opelousas?
Whole life insurance generally covers accidental deaths, including death caused by acts of war. In Opelousas, Louisiana, residents are eligible for standard life insurance regardless of occupation, including those who may serve in the military and risk harm due to acts of war. However, it's important for those who live in Opelousas, LA and are considering purchasing a life insurance policy to understand the specifics of how their policy may or may not cover death due to acts of war before signing an agreement.
How do my age and health impact my whole life insurance policy Opelousas?
Whole life insurance rates fluctuate depending on an individual's age and health in Opelousas, LA. Generally speaking, the younger and healthier an individual is, the lower their whole life insurance rate will be. On the other hand, people who are older and in poorer health can expect their whole life insurance rate to be higher. It's important to remember that age and health is just one of several factors considered when calculating a whole life insurance rate; other factors such as lifestyle, career, or driving record may also be taken into account.
How does whole life insurance near Opelousas differ from universal life?
Whole life and universal life insurance plans provide protection against financial hardships for individuals and their families in the Opelousas, LA area. However, there are many differences between the two. Whole life provides lifelong protection and pays a guaranteed death benefit regardless of age or health, and also builds cash value. Universal life offers more flexibility in premium payments and death benefit amounts, but there is generally no cash value accumulation. Additionally, with universal life, the value of the policy can fluctuate depending on the market.
Can I modify the payment schedule with a whole life insurance company Opelousas?
Here in Opelousas, LA, individuals have the ability to customize their payment plan for a whole life policy. Our agents can work with you to develop a plan most suitable to your budget and specific financial needs. Giving you our undivided attention, we will create a policy that provides you with the necessary coverage and a comfortable plan you can adhere to. Through the policy, you will also get the advantage of having your premiums accumulate cash value, which you can access prior to the maturity of the policy. Contact us today to get started with creating the best payment plan to fit your lifestyle.
In Opelousas, beneficiaries of a deceased's whole life policy will receive the death benefit in the form of a lump-sum payment or installments, depending on what was specified in the policy. The payment will be provided by the insurer and mailed directly to the designated beneficiaries. Life insurance policy beneficiaries may also receive the death benefit through digital deposits into a bank account, and some insurers offer pre-paid cards to access the payments. If the deceased policyholder set up a trust with the insurer, the death benefit will be paid directly to the trust, not the beneficiaries.
Can I liquidate my whole life insurance policies near Opelousas?
Yes, you can generally cash out your whole life insurance, either partially or in full, at any point. In Opelousas, LA, many financial advisors can assist you in determining if cashing out a life insurance policy is right for you. They can help you calculate the amount of money you will receive in exchange for the policy and discuss ways to use the money for retirement, investments, or debt. Consider your future goals and objectives before surrendering your policy.
Are payouts from whole life insurance in Opelousas subject to taxation?
Whole life insurance can be an excellent way to provide financial security. However, the benefits received from whole life insurance policies can be mildly to highly taxable, depending on your specific circumstances in Opelousas, LA. Generally speaking, if the premiums paid are higher than what the policy will payout upon the insured's death than the excess premium paid can be taxable, provided the policy was issued after 1982. Additionally, if the policy's dividends are higher than the insured's investment, then the difference will be taxable as well.
Which fees are tied to my Opelousas whole life insurance policy?
The charges associated with a whole life insurance policy in Opelousas, LA, depend on factors like your age, health, coverage amount, and the insurer. Generally, you can expect to pay a higher premium for a whole life insurance policy compared to other types of insurance. The policy will also require annual premium payments for the duration of the coverage. In addition, you may also be subject to policy fees and other charges which your insurer can explain in more detail.
Do my health conditions influence Opelousas whole life insurance company rates?
Yes, whole life insurance rates are heavily influenced by the health condition of the applicant. In Opelousas, LA, major insurance companies require health-related documents as part of the application process which allows them to evaluate an applicant's health condition and come up with appropriate rates. If an applicant has a pre-existing medical condition, the rates will depend on the severity and type of condition. Therefore, ensuring your health is in the best shape possible can translate to lower whole life insurance rates in Opelousas, LA.
Compare Opelousas, LA Whole Life Insurance Policies
Get started today and compare over 37 Whole Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved