What is an Accelerated Death Benefit Rider? Also known as a living benefit rider, it allows you to access part of your life insurance benefit early if you’re diagnosed with a life-shortening illness. Funds can help with medical bills, care costs, rents, mortgage payments or other expenses almost close to having a Disability Insurance rider added Free!  Rules vary by company—some allow up to 50%, with age and other limits applying

Life insurance isn’t just for the Seniors—it’s peace of mind for the young too. Life Insurance for young singles or married couples helps to Protect Loved Ones & Leaving a Legacy not a stack of unpaid debt

At Dan Burghardt Insurance, we’ve been helping Louisiana & Mississippi families find the right coverage for 40+ years.

A Local Perspective

After 40 years in business, Dan Burghardt Insurance has grown to be licensed in both Louisiana and Mississippi, with a strong presence in cities including New Orleans, Metairie, Kenner, Gretna, St. Bernard, Slidell, Mandeville, Covington, Baton Rouge, Hammond, Houma, Thibodeaux, LaPlace, Lake Charles, Bossier City, Central, Lafayette, Monroe, Shreveport, and Alexandria.

Each of these communities is unique, but young families everywhere share the same challenge: balancing today’s expenses with tomorrow’s security. The affordability of life insurance allows them to do both. In a region known for hurricanes, gumbo, and the occasional pothole big enough to swallow a compact car, planning for the unexpected just makes sense.

The Humor in Preparation

Talking about life insurance doesn’t have to be heavy. Think of it like an umbrella. Nobody really enjoys carrying one around, but when the sky opens up during Jazz Fest, the person with the umbrella becomes the smartest one in the crowd. Life insurance is the financial umbrella—nobody hopes to use it, but everyone’s glad it’s there.

Young families may laugh at the idea of preparing so far ahead, but that’s exactly why it’s affordable. Planning now turns a serious subject into a simple monthly line item, leaving more room to focus on raising kids, paying bills, and maybe even sneaking in a Saints game on Sunday.

Closing Thoughts

Life insurance isn’t just for later in life. For young families, it’s the smartest and most affordable time to put protection in place. The coverage offers peace of mind, financial stability, and a safeguard for those who matter most.

For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.