Louisiana Fast, Free Louisiana Life Insurance Quotes
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Some Life Insurance Information: Louisiana

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the policy owner's death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals.

As with most insurance polices, life assurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy.

Insured events that may be covered include:

  • death,
  • accidental death

Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.

Life based contracts tend to fall into two major categories:

  • Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment.
  • Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums.

Report Names Vermont Healthiest State
A new report ranks Vermont as the healthiest state in the country for a second year in a row.
Vermont called healthiest state, Louisiana last
Louisiana has displaced Mississippi as the unhealthiest U.S. state and other Southern states were close rivals due to high obesity and smoking rates in new rankings that deemed Vermont the healthiest.
Utah ranks as nation's 5th healthiest state
Utah has replaced Connecticut as the nation's fifth healthiest state, moving up one notch in the United Health Foundation's 2008 American's Health Rankings.
Wednesday
Future System Advisors has been awarded the first patent for a form of life insurance, a move that could generate billions of dollars in royalty payments for the company.
State's health ranking down three spots
Colorado still has the lowest obesity rate in the country, but its overall health ranking fell this year, according to the results of an analysis released by the United Health Foundation on Wednesday.
Report finds Vermont is healthiest state
A new report ranks Vermont as the healthiest state in the country for a second year in a row.
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