Life Insurance

Life Insurance

Tatje QuoteLife insurance is an important part of a complete financial portfolio. Learning basic life insurance facts will help you make an informed decision about the type and the amount of life insurance that you need.

When you buy life insurance, you enter into a contract with an insurance company that promises to provide your beneficiaries with a certain amount of money upon your death. In return, you make periodic payments, called premiums. The premium amount is based on factors such as your age, gender, medical history, and the dollar amount of life insurance you purchase.

In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want, such as:

  • Making up for your lost income
  • Funding a child’s education
  • Paying off household debt
  • Paying for your funeral and other related expenses

life1Certain types of life insurance may provide benefits for you and your family while you’re still living. For example, permanent life insurance offers a cash value component, which can be put to good use during your lifetime.
Your income can be considered your family’s most valuable asset. Your income is used to obtain the necessities of life and provide for life’s comforts. The need for that income continues, whether or not you’re here to provide it. The following situations signal a need to consider purchasing life insurance.

The following situations signal a need to consider purchasing life insurance.

  • You have a spouse, domestic partner, children, and/or an aging parent or disabled relative—and your retirement pension and savings are not enough to insure your dependents’ future
  • You have a sizable estate.
  • You own a business.

Carefully chosen life insurance can help loved ones maintain their standard of living after your death. Several types of life insurance are available to meet your needs. There are two main categories of life insurance: term insurance and permanent insurance.

Term life insurance offers protection for your loved ones for a specified period of time—usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy; but they do not build cash value. If you want life insurance for a limited time—long enough to meet your anticipated responsibilities to those who depend on you—term life insurance may be right for you. A breadwinner might, for example, buy a term policy that matches the length of a home’s mortgage. Premiums for term insurance are often higher as you get older.
Term life insurance snapshot:

  • Easy to understand
  • Affordable way to get maximum coverage
  • Increases in cost after the specified period
  • Builds no cash value

Permanent life insurance policies do not expire; they are intended to protect your loved ones permanently. Some types of these policies accumulate cash value, although they should not be purchased solely for that use, since their primary purpose is to provide protection. Permanent life insurance policies have variations. Your insurance agent can provide you with specific details to help you choose the policy that best serves your needs. If you value added security, flexibility, cash value and lifetime coverage, some form of permanent life insurance may be right for you.
Permanent life insurance snapshot:

  • Protection for life, as long as you pay your premiums
  • Can build equity in the form of a cash value
  • Offers flexibility and many options to choose from
  • Initially higher premiums than term life insurance, but more cost-effective in the long run

Term and Permanent life together. Don’t think that you’re limited to one or the other; you may find that a combination of term and permanent life meets your needs best.  For example, the foundation of your life insurance plan could be permanent life, supplemented by term life during your family-building, mortgage-paying years when coverage needs are typically higher.


Tatje Insurance and Financial Products Inc.
133 Belle Terre Blvd • LaPlace, LA 70068
Phone (985) 652-8057 • Email Us


Get An Auto Insurance Quote – Then Get More


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With so many automobile insurance companies out there, choosing the right company for your automobile insurance needs is paramount. We make sure we provide you with all the information you need to make the right decision today, tomorrow or whenever you’re ready. A Tatje insurance auto quote includes car insurance rate comparisons, money-saving tips, automatic discounts, payment plans and more. Go ahead — find the auto insurance rate you’re looking for. We’ll help you every step of the way.

Group Health


  • Group Health Benefits are a non-wage compensation benefit provided to employees in addition to their normal wages or salaries. Other examples of this benefit would include: Group Life, Disability, Dental, Vision and Hearing in which individual employees or members are included under one master policy owned by their employers.
  • Group Health Insurance Benefits can vary from company to company, based on the choice of the employer. Almost all policies cover emergency room and routine medical procedures, as well as co-pay for doctor office visits and prescription drugs and hospital treatment for accidents, injuries, or illnesses.
  • Most often the employer pays a portion of the premium as an additional employee benefit and offers a pay-roll deduction for the remaining balance of the premium making it much more affordable for the employee. Spouse and dependent coverage is available, but may be at the employee’s expense.


  • To attract and retain quality personnel a complete Group Employee Benefit Program is a requirement many folks look for. Depending on the number of employees and the average age of the group, certain employees who are uninsurable can become eligible on large group plans at a very affordable rate. This includes uninsurable dependents as well. In some cases Group Insurance is the only way some employees could qualify for health insurance and would not be eligible for a personal policy through the same carrier.
  • It provides efficiency and productivity as employees are assured of security for themselves and their families.
  • Premiums are tax deductible as a corporate expense, which means savings with quality coverage.


  • We shop and compare rates with multiple companies, including Blue Cross, Humana, Coventry, and United Health Care, and can normally save you up to approx. 30% and when you buy through us you will get more then just a group insurance plan, you get a group insurance partner.
  • Our Group Specialist will work with you and discuss a variety of plans and premiums that best fit your budget. You can request quotes for combination packages of health, dental, life and disability, and for the most part, we shop these products separately and by packages, if available. Some companies that write health do not necessarily write disability.
    We will continue to shop for competitive quotes when it’s time to renew. Our group specialist can offer to review the availability of group rates for a single person group or as many employees as you need to cover.
  • Most of our carriers provide on line applications and enrollment tools to simpify the administration services required to maintain these employee benefits
  • These services are provided at no extra costs.


  • Health
  • Life
  • Disability
  • Dental, Vision and Hearing

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Flood Insurance

Whether you live on the coast, by a river, or just someplace that seems to get one too many rainstorms, flood insurance can help protect your home and possessions from this common source of property damage.

Louisiana Flood InsuranceWhat is flood insurance?

Homes and businesses located in communities that participate in the National Flood Insurance Program (NFIP) are eligible for flood insurance at a modest cost through this federal program. Under this program, insurance companies issue flood insurance and the federal government administers the program.
Flood insurance normally requires a 30-day waiting period before the insurance is effective. But exceptions are made for certain circumstances-such as if you’ve purchased a home and the closing is in less than 30 days.

Why do I need flood insurance?

If you own property in a special flood hazard area and have a mortgage, federal law normally requires you to have flood insurance. Even if you are not required to purchase flood insurance, your home may still be at risk for floods. Many people think that flood insurance is just for properties on the water, like beach-houses. But unfortunately because of factors like the shape of surrounding land, the type of soil, and weather patterns, you don’t have to have a view of the beach to be at risk for flooding.

What does a flood insurance policy cover?

Tatje QuoteFlood insurance covers the structure of your home and your personal property in the event of a flood. Typically long, heavy rain leads to the type of flooding that is covered by a flood policy. However, there are other ways that a home can sustain water damage (such as a pipe bursting in the wall) that are not usually considered floods so you should be sure of what your home or renters insurance policy covers.