Burial insurance in Louisiana (2026)

Reviewed by licensed insurance agents· Updated July 2026

Whole-life final expense coverage for Louisiana seniors — no medical exam, rates locked in for life. Here's what Louisiana seniors actually pay, from our own book of placed policies.

Quick answer

Across the 39 policies we've placed for Louisiana seniors, the average premium is about $106/month (most choose $25,000 of coverage), and the typical buyer is age 68. A funeral in Louisiana runs roughly $8,100. No medical exam, available to age 85.

What Louisiana seniors really pay (our book)

Unique to us — figures from the burial insurance policies we've actually placed in Louisiana, not generic estimates.

Our real Louisiana data. Based on 39 burial insurance policies we've placed for Louisiana seniors: the average Louisiana policy runs $106/month, the typical buyer is age 68, and most choose $25,000 of coverage.

$106/mo average

The average monthly premium across our placed Louisiana policies. Your rate depends on age, gender, health and coverage.

Age 68 typical

The median age of Louisiana seniors we've helped — locking in while rates are lowest.

$25,000 most common

The coverage most Louisiana buyers choose — enough for a funeral and final bills.

Burial insurance rates in Louisiana by age (2026)

Real $10,000 whole-life monthly premiums, non-tobacco. Toggle gender and coverage.

Gender

Coverage

Your age	Monthly premium	Annual

Whole-life rates are set nationally — Louisiana has no state surcharge for final expense. Locked in for life; tobacco users pay 30-50% more.

Best burial insurance companies for Louisiana seniors

Carrier	Issue ages	Waiting period	Best for
Mutual of Omaha	to 85	Day one	Healthy seniors
Colonial Penn	to 85	2 yrs (GI)	Any health
Aetna / Accendo	to 89	Day one	Higher coverage
Gerber Life	to 80	2 yrs (GI)	Guaranteed accept

We compare A-rated carriers available in Louisiana and match you to the best fit for your age and health.

Frequently asked questions

How much is burial insurance in Louisiana?

Across our Louisiana book the average is about $106/month (most at $25,000). By age for $10,000: about $27/mo at 60, $45 at 70 and $54 at 80 (female non-tobacco). No medical exam.

What's the most common plan Louisiana seniors buy?

Most Louisiana buyers choose $25,000 of whole-life coverage, at a median age of 68. It's enough to cover a funeral (about $8,100 in Louisiana) plus final bills.

Is there a waiting period in Louisiana?

Healthy Louisiana applicants can get day-one coverage through simplified issue. Guaranteed-issue plans have a 2-year waiting period.

Does Louisiana Medicaid pay for funerals?

No — Louisiana Medicaid does not cover funeral costs, which is why many seniors buy a small final expense policy.

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About these figures: the premiums and averages shown are estimates based on our own placed-policy data (our internal systems) — not official carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health and coverage amount, and is confirmed by the carrier at application.