FAQ’s

Frequently Asked Questions

Q?

How Do I Make a Payment?

A.

You can call your local office, mail your payment to the Gretna office or complete the EFT form on this site and return it to your local office or Agent. If you have any questions, please call your Agent or local office, the contact numbers can be found on the Contact Us page.

Q?

How Do I Change the Beneficiary on my Policy?

A.

Click here - download and print the form called Change of Beneficiary, Age or Name. Print your policy number, name of insured and age - then fill in the new information in the proper section below that. Return this form and the original policy to your insurance company.

Unless signed in front of an agent or employee of this company, this form must be notarized.

Q?

How Do I File a Death Claim?

A.

Click here - download and print the form called Claimant's Statement. Print all necessary information and return the form and the original policy to your insurance company along with a certified death certificate and the insurance policy.

Unless signed in front of an agent or employee of this company, the form must be notarized.

Q?

How Can I Find Out Who my Agent is to Contact Them?

A.

Every policy holder has an agent and you can find out who your agent is and how to contact them by calling us at (504) 398-0777.

Q?

If I Move to Another State, is my Insurance Policy Still Good?

A.

Absolutely!

Q?

How Can I Replace my Lost Policy?

A.

Click here - download and print the form called Lost Policy Certificate. Print all necessary information, have the form notarized and return it to your insurance company.

Q?

What is Final Expense Insurance?

A.

Final expense insurance is used to cover the costs of things specifically associated with your death. This includes the funeral and burial costs such as the services, items (like a casket and hearse), or even cremation if that’s your preferred route. Although all types of life insurance can be important – depending upon one’s needs – final expense coverage can fill the specific need of ensuring that loved ones are not burdened with having to come up with a substantial amount of money at an already emotional time.

Q?

Can’t I Just Buy a Term Life Policy?

A.

Yes you can, but if you are in your retirement years the cost will be significant and you may outlive the term of the plan. Given the high cost of a funeral today, along with the many other related costs, the additional debt could leave loved ones with a great deal of undue stress. A final expense life insurance policy can help to ease this.

Q?

Do I Need to Pass a Medical Exam?

A.

No, our Final Expense policies do not require a medical exam – just a three-point questionnaire.

Q?

What is Pre-Need Insurance?

A.

Another type of life insurance policy that is intended for you to pre-select specific arrangements and gives you the assurance that those arrangements will be paid for and implemented. This includes the funeral and burial costs such as the services, items (like a casket and hearse), or even cremation if that’s your preferred route.

Q?

What is the Difference Between Pre-Need and Final Expense?

A.

Final expense policies leave your beneficiary with a certain amount of money to use at the time of your death and sometimes the cost of the funeral exceeds the amount of the policy and your choices are not preselected. Pre-need policies also leave your beneficiary (typically the funeral home of your choice) with a certain amount of money but the arrangements are pre-planned exactly as you want them and the cost of the funeral is locked in so inflation is not a factor.

Q?

When Should I Purchase a Pre-Need Policy?

A.

As soon as possible. Unfortunately, the one thing that you can never tell is the future. If you pass away before you have the chance to purchase this type of coverage, you will not be able to give your family the money that they will require. They will then have to pay for all of your funeral and final expenses when you pass away on their own.

Q?

Why Do I need Life Insurance?

A.

Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially.  Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.