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Life Insurance Premium Highlights

Life Insurance Premium Highlights

Life Insurance Premium Highlights

List of Current Insurance Carriers

Life Insurance Premium Highlights

Life Insurance Premium Highlights

Available Insurance Products

Life Insurance Premium Highlights

Available Insurance Products

How Our Phone Process Works

How Our Phone Process Works

Available Insurance Products

How Consultations Work

How Our Phone Process Works

How Consultations Work

Google Reviews

How Our Phone Process Works

How Consultations Work

We Are A Leading Independent Insurance Agency For Louisiana

Life Insurance Premium Highlights April 2020

Trusted Carriers

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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.



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Quick Life Insurance Fact -1

 Insufficient coverage has grave consequences for countless families. More than half of consumers say they would have immediate or near immediate trouble paying living expenses if their primary wage earner died. 


LIMRA-2017, Facts of Life

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Quick Life Insurance Fact -2

 • Nearly one in three Americans believe they need more life insurance and nearly 40 percent of Americans say they wish their spouse or partner had more life insurance coverage.

 

LIMRA-2017, Facts of Life

Benefit Highlights of Our Insurance Services

Permanent Life Insurance

Final Expense Burial Insurance

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

Final Expense Burial Insurance

Permanent Life Insurance

  • Living Benefits
  • Affordable options
  • Guaranteed death benefit within  selected termFlexible term options (5,10,15,20,25,30)
  • Renewable  Options (carrier and age restrictions apply)
  • Level premium options 
  • Easy to understand
  • Accelerated Death Benefits

Final Expense Burial Insurance

Final Expense Burial Insurance

Mortgage Protection Life 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

Guaranteed Universal Life Insurance

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

Guaranteed Universal Life Insurance

Guaranteed Universal 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

Guaranteed Universal Life Insurance

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)

Disability Insurance (Short and Long Term)

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
  • and more.

Renters Insurance

Disability Insurance (Short and Long Term)

Disability Insurance (Short and Long Term)

  • 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...

Homeowners Insurance

Disability Insurance (Short and Long Term)

Condo (Condominium) Insurance

  • Bundle Discounts
  • Accredited Builder Discount
  •  Advance Quote Discount
  • E-Policy Discount
  • Flood Companion Discount
  • New Purchase Discount
  • Non-Smoker Discount
  • Paid in Full by Insured Discount
  • Protective Device Discount
  • Burglar System Discount
  • Updated Home Discount
  • and more...

Condo (Condominium) Insurance

Condo (Condominium) Insurance

Condo (Condominium) Insurance

  • Protects Your Personal Property 
  • Upgrades To The Inside of Your Condo
  • Injuries Suffered By Visitors/Guests
  • Protection From Certain Lawsuits From Injured Parties
  • Bundle Discounts (ex. Condo & Auto Insurance)
  • Pay in Full Discount
  • Safety Device Discount (ex. Burglar & Fire Alarms, Automatic Sprinklers, etc.)
  • New Condo Purchase Discount
  • Single Deductible Discount
  • and more...

Flood Insurance

Condo (Condominium) Insurance

Flood Insurance

In Louisiana we know all too well the dangers our region faces from flooding. This is why it's imperative to invest in a Flood policy. 


Unlike most other insurance products, Flood Insurance is the same price no matter what company you get it through.


This is because the flood program is a government run program. The official name is The National Flood Program. Because the government believes it best for all residents should have flood protection, they regulate pricing for it in every state.

Personal Auto Insurance

Recreational Vehicle (RV) Insurance (Motor Home and Travel Trailer)

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...

Commercial Auto Insurance

Recreational Vehicle (RV) Insurance (Motor Home and Travel Trailer)

Commercial Auto Insurance

  • Paid In Full Discounts
  • Commercial Driver's License Discount
  • Proof of Prior Insurance Discounts
  • Claim Free Loss Runs Discounts
  • Business Experience Discounts
  • Special Coverage Options
  • and more...

Recreational Vehicle (RV) Insurance (Motor Home and Travel Trailer)

Recreational Vehicle (RV) Insurance (Motor Home and Travel Trailer)

Recreational Vehicle (RV) Insurance (Motor Home and Travel Trailer)

  • Advance Quote Discount 
  • Responsible Driver Discount
  • Homeowner Discount
  • Paid In Full Discount
  • Transfer Discount
  • Multi Vehicle Discount
  • Multi Policy Discount
  • Electronic Funds Transfer (EFT) Discount
  • Prompt Payment Discount
  • Claim Free Renewal Discount
  • Several Coverage Options
  • and more...

Boat & Personal Watercraft Insurance

Boat & Personal Watercraft Insurance

Recreational Vehicle (RV) Insurance (Motor Home and Travel Trailer)

  • Electronic Funds Transfer (EFT) Discount
  • Advance Quote Discount
  • Claim Free Renewal Discount
  • Paid In Full Discount
  • Homeowner Discount
  • Multi Policy Discount
  • Boats Don't Age Out of Coverage
  • High Coverage Limits
  • On-Water Towing
  • Hurricane Haul-Out Coverage
  • No Depreciation on Partial Losses
  • and more...

Motorcycle & ATV Insurance

Boat & Personal Watercraft Insurance

Motorcycle & ATV Insurance

  • No Depreciation on Partial Losses
  • Genuine Manufacturer Parts Guarantee
  • Small Claim Forgiveness and Accident Forgiveness
  • Safety Riding Apparel Coverage Available
  • Carried Contents Coverage Available
  • Accessory Coverage Available
  • Electronic Funds Transfer (EFT) Discount
  • Advance Quote Discount
  • Claim Free Renewal Discount
  • Paid In Full Discount
  • Homeowner Discount
  • Multi Policy Discount 
  • and more...

Umbrella Insurance

Boat & Personal Watercraft Insurance

Motorcycle & ATV Insurance

  • Up to $5 million in added protection
  • exceeds max limits on standard personal insurance policies
  • serves as excess coverage
  • worldwide protection

What To Expect When You Call

Stage 1 - How Can We Help You

Stage 1 - How Can We Help You

Stage 1 - How Can We Help You

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 Upon being greeted, our friendly client service representative will gather some basic information as well as the reason for your call to determine how to best serve you. If it's your first time calling, the representative will collect additional information to establish a simple client profile. We value your time and don't want to keep you on the phone longer than necessary by asking repetitive questions.  

Stage 2 - Placement

Stage 1 - How Can We Help You

Stage 1 - How Can We Help You

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 Once the representative has established how to best serve you, you will be directed to the appropriate department or person, who will finish assisting you. For general questions or for scheduling, you will remain in the care of our client service representative, who will take care of your general needs. 

Stage 3 - Optional Survey

Stage 1 - How Can We Help You

Stage 3 - Optional Survey

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 Tell us about your experience. After the call you may receive a brief customer satisfaction survey. It’s a fillable online pdf. Please fill it out online and email it back so we can continue to work on ways to improve your experience with us. If you wish to not fill out the brief survey, you do not have to. 

What To Expect At A Consultation

Stage 1 - Rapport Building

Stage 2 - Discovery (Fact Finding)

Stage 2 - Discovery (Fact Finding)

 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)

Stage 2 - Discovery (Fact Finding)

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

Stage 4 - Policy Delivery and Followup

Stage 4 - Policy Delivery and Followup

 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. 


Next, 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

Stage 4 - Policy Delivery and Followup

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?

What are Accelerated Benefits?

What are Accelerated Benefits?

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?

What are Accelerated Benefits?

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?

What are Accelerated Benefits?

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 Make It Convenient For You To Reach Us

 Please make an appointment before coming into the office. Thank you. 

Get In Touch With Us

1615 Poydras Street, Suite 900, New Orleans, Louisiana 70112, United States

Local: (504)648-6739 Toll-Free: (888) 558-6045 info@empyralinsurancegroup.com

Hours

Mon

09:00 am – 07:00 pm

Tue

09:00 am – 07:00 pm

Wed

09:00 am – 07:00 pm

Thu

09:00 am – 07:00 pm

Fri

09:00 am – 07:00 pm

Sat

09:00 am – 07:00 pm

Sun

By Appointment

We Are Empyral Insurance Group, LLC

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