Life Insurance in Louisiana — Average Cost 2026
Average life insurance (term, $500k) in Louisiana: $624/year ($52/month). Louisiana ranks #43 out of 51 states — above the national average.
Average annual
$624
Average monthly
$52
National rank
#43
of 51 states
vs national avg
+8.3%
Louisiana vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Term life insurance in Louisiana: community property rules
Term life insurance rates in Louisiana are 8% above the national average, driven mainly by individual health, age, and lifestyle rather than geography. One thing that is state-specific: Louisiana is a community property state, which affects how life insurance proceeds and beneficiary designations are treated for married couples — a policy purchased during marriage can be considered joint property unless your beneficiary designation says otherwise.
The figures shown represent a benchmark rate for a healthy 40-year-old male with $500,000 in 20-year term coverage. If you're married and live in Louisiana, it's worth confirming your beneficiary designation matches your intent, ideally with an estate planning attorney.