Life Insurance FAQ

Breaux Life Agency: Life Insurance is a financial benefit provided to protect your loved ones after you pass. It is designed to help cover for lost income, mortgage or final expenses costs.

Breaux Life Agency: When you buy a life insurance policy and make payment premiums, the insurance company pays a lump sum death benefit to your beneficiaries at the event of your passing.

Breaux Life Agency: Life Insurance is a financial planning designed for those who have financial obligations towards people who depend on their income to support them. It can be a support to cover the costs of final expenses, to cover a mortgage that otherwise would be difficult to pay, or to cover any other expense that would benefit the family in such a difficult moment.

Breaux Life Agency: This is actually the best time to look. The younger and healthier you are, the lower your rates will be, and you can lock those rates in for decades.

Breaux Life Agency: It’s a great start, but it’s often "temporary." If you leave your job or the company changes its benefits, you could lose that coverage when you need it most. Having a personal policy with Breaux Life Agency means your protection follows you, not your job.

Breaux Life Agency: The application process varies according to the insurance company. At Breaux Life Agency, we want to help you to make very informed decisions. We will have peace of mind conversations with you so you can have the opportunity to ask all your questions about insurance and clarify your circumstances, then fill out the application, send it for review and wait the approval from the insurance company. This may take up to 24 hours, depending on the company.

Breaux Life Agency: Companies need to understand who you are by requesting details about your age, primary occupation, annual income, desired coverage amount, any existing policies, your medical, family and prescription drugs history.

Breaux Life Agency: Physical exams and medical reviews help Life Insurance providers to determine how to calculate premium amounts. Depending on certain health requirements, you can be approved for accelerated underwriting and be assigned to appropriate premium amounts. Accelerated underwriting means you are eligible to complete a questionnaire about health and medical history instead of having an in-person exam.

Breaux Life Agency: Absolutely. Protection isn't all or nothing. We specialize in finding protection that fits your needs and your budget. We'll work together to find a number that keeps your family safe without stressing your bank account.