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Life Insurance Premium Highlights

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Life Insurance Premium Highlights February 2020

Trusted Carriers


Why Do Our Clients Love Us So Much?

It's simple really. We just genuinely care. With so many Life Insurance and Mortgage Protection companies out there and so many coverage options to choose from, shopping for life insurance can be overwhelming. That’s where we provide the most value. At Empyral, we make shopping for Life Insurance and Mortgage Protection super easy. We speak insurance in a language you can easily understand and relate to. No complicated terminology or overused sales jargon. 

We keep it simple. And we don’t throw every available solution at you while you're trying to make a decision, as we know that doing so will be frustrating for you. We get it. We only suggest solutions that truly benefit you and meet your specific needs. No pushy salespeople. Only sympathetic, knowledgeable, friendly and professional agents who consult rather than sell. Our specialty is senior life insurance, but we serve most other markets as well. Want to see what the fuss is about our great service? Give us a call today. You'll be happy you did.

Insurance Solutions That Work

Permanent Life Insurance

• Living Benefits

• Lifetime coverage as long as  premiums are paid

• Guaranteed death benefit 

• Premiums never increase; Guaranteed

• Tax deferred cash accumulation

• Possibility for dividends

• No Exam options available from     

select carriers

• Accelerated Death Benefits

Term Life Insurance

• Living Benefits

• Affordable options

• Guaranteed death benefit within  

selected term

• Flexible term options 


• Renewable  Options 

(carrier and age restrictions apply)

• Level premium options 

• Easy to understand

• Accelerated Death Benefits

Final Expense Burial Insurance

• Living Benefits

• Lifetime coverage as long as 

        premiums are paid

• Can cover 100% of  burial costs and 

        other final expenses

• Premiums never increase

• No Exam required

• Guaranteed death benefit; tax free 

        payout to beneficiary

• Mainly for Seniors aged 50-90;  

        Age 40-49 options available

• Accelerated Death Benefits

Mortgage Protection Life Insurance

• Term or Universal Life options

• Can cover 100% of your mortgage 

        payments in the event of death,       

        critical illness, or qualified disabilities

• Inexpensive 

• Flexible Term options up to 30 years

• No Exam, Simplified Issue options

• Living Benefits

• Accelerated Death Benefits  

Guaranteed Issue Life Insurance

• No Medical Questions

• No Exams

• Permanent Coverage

• Generally a $25,000 

    maximum death  benefit

• People up to age 85 can apply

• Health status does not matter 

• Accelerated Death Benefits

Guaranteed Universal Life Insurance

• Limited Medical Questions

• Permanent Coverage with flexible  period options

• Simple application

• Simple underwriting

• Available benefit amounts vary by carrier; generally no exams

• Living Benefits

• Accelerated Death Benefit

Disability Insurance (Short and Long Term)

  • Short Term
  • Long Term
  • Protects income if injured or sick and cannot work
  • Affordable premiums
  • Guaranteed Coverage without medical underwriting for government employees
  • No medical underwriting, guaranteed issue available for qualifying non government workers

Personal and Commercial Auto Insurance

  • Affordable coverage
  • Student Discounts
  • Good Driver Discounts
  • Education Discounts
  • Snapshot Discounts
  • Safe Driver Discounts
  • Early Payoff Discounts
  • Multi-policy Discounts
  • Teen Driver Discounts
  • Length at residence Discounts
  • Early quoting Discounts
  • and more...

Renters Insurance

  • Bundle Discounts
  • Protects personal possessions in your home, apartment, and car
  • Optional jewelry, antique, and gun collection coverage
  • Protection from out of pocket expenses related to theft, vandalism, fire, and more
  • Representation from attorneys if someone hurts themselves in your residence and sues you
  • and more...

How It Works: Simple Phone Process

At The Consultation

Stage 1 - Rapport Building

Relationships work better if both parties are comfortable with one another. It’s also important for us to know a little bit about each other. When you meet with any of our agents, one of the first things they'll do is build a rapport with you. 

Stage 2 - Discovery (Fact Finding)

Once everyone is warmed up, the discovery, or fact finding phase begins. If you have any existing policies, our agent will do a brief review with you at this time  to assess if the policies still meet your current and future needs. 

Afterwards, the agent will ask you some questions and do a quick budget analysis to help you and the agent better gauge what your goals and needs are, and how our company can best assist you with those needs.

Stage 3 - Solution Recommendations

Now that your field underwriter has a clear picture of your goals and needs, he or she will offer you product based solutions that align with them. Your agent will make the suggestions, and you will choose the ones that you believe best fit your needs. From there, you and your agent will fill out the appropriate application(s).  If you wish to be covered from the date of application, you will need to provide your first premium payment, which you will have the option to do via bank draft upon application approval, or via a personal check made out to your selected carrier.

Stage 4 - Policy Delivery and Followup

Once your policy is issued your agent will schedule a time for policy delivery if that is the delivery method that was chosen. Upon you receipt of your policy your agent will review it with you to make sure you understand it. We don't leave you hanging. From there your agent will conduct free  annual policy reviews to make sure your needs have not changed. 

Frequently Asked Questions

How much insurance do i need?

Life insurance needs vary from person to person. Factors used to determine need include, but are not limited to: income replacement, burial estimates, amount of debt, including medical bills, loans, and other expenses. The need can even be to simply leave a monetary gift behind for a loved one.

What are Accelerated Benefits?

Accelerated Benefits, sometimes referred to as Living Benefits, are riders attached to a life insurance policy that activate when a qualifying event is triggered, such as a specific type of Chronic, Critical, and Terminal Illness. The insured then receives an early portion of the death benefit.

What is Mortgage Protection?

Mortgage Protection is the type of insurance policy that safeguards your home from foreclosure or repossession in the event you pass away untimely. Should you pass away during the term period, your beneficiary will receive the full death benefit, tax free, to pay off your remaining mortgage balance.

We Are Empyral Insurance Group, LLC

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