Finding the Perfect Policy for You

Ensure you have an affordable life insurance policy when you turn to MUSCARELLO INSURANCE SERVICES, LLC. We provide a variety of plans for each phase of your life. As your Baton Rouge, Louisiana-based advisor, we pride ourselves in providing life insurance recommendations from several top insurance carriers. Having access to multiple carriers allows us to make a recommendation for a company that suits you. Several of the carriers include:

• John Hancock ™
• Protective ™
• Prudential ™

• MET Life ™
• Pacific
• Lincoln Financial ™

• Genworth ™
• TransAmerica ™
• American General ™

Term Life Insurance

Having term life insurance is the simplest form of life coverage. This allows you to purchase a certain amount of coverage for a specific period of time. If you should die during the coverage period, your designated beneficiary receives the coverage amount you selected for this policy. This gives you the option to renew coverage if your selected coverage period expires.

Whole Life

This form of life coverage is similar to term insurance. However, this purchase provides coverage throughout the duration of your natural lifetime. There is no specific amount of time that needs to be selected. Premiums remain constant throughout the life of the policy. Part of your premium is invested through the insurer. These are usually safe or guaranteed return investments.

Universal Life

With universal life coverage, you're able to choose how much you wish to contribute to the policy above the minimum premium. This allows the insurer to project the performance of the policy using current assumptions. While most fund this type policy with projections to last till age 90,95 or 100, many include no-lapse guarantees no matter future economic conditions. These policies build cash value which a portion is used to finance premiums in later years. Depending on the policy you select designated beneficiaries either receive the face value of the policy or all or part of the funds in the cash account plus the face value amount.