Terms & Conditions

Agreement to these terms

These Terms and Conditions govern your use of empirefinancialsolution.com and any information, tools, or materials made available through it by Empire Financial Solutions (“Empire,” “we,” “us”). By using this site you agree to these terms. If you do not agree, please do not use the site.

Separate written agreements, broker of record letters, engagement letters, and the policies issued by insurance carriers govern our actual client relationships and coverage. Where those documents conflict with this page, they control.

No advice and no offer of insurance

The content on this site is general information for business owners. It is not insurance, tax, legal, accounting, or investment advice, and it is not an offer or solicitation to buy or sell any insurance policy, security, or financial product.

Nothing here creates a client, fiduciary, or advisory relationship. Coverage, pricing, and program design depend on underwriting, your specific facts, and the terms of the issued policy. Consult your own attorney, CPA, or tax advisor before acting on anything you read here.

Licensing and jurisdiction

Empire Financial Solutions and its producers are licensed to transact insurance business in the states where we are appointed, and we are licensed as a life settlement broker in more than 40 states. We will only conduct business in a jurisdiction and line of authority where we are properly licensed. Descriptions of products on this site are not offers in any state where we are not licensed or where the product is not approved.

How we are compensated

Empire is typically compensated through commissions paid by insurance carriers, wholesalers, funders, or life settlement providers, and in some engagements through fees agreed in writing with the client. Compensation arrangements are disclosed on request, and for life settlement transactions broker compensation is disclosed as required by applicable state law.

Illustrations, quotes, and estimates

Any savings figures, premium estimates, illustrations, or projections shown on this site or provided during a review are indications only, based on assumptions and information available at the time. They are not guarantees.

Actual results depend on carrier underwriting, claims experience, plan design, interest and crediting rates, loan terms in a premium finance structure, and factors outside our control. Non-guaranteed elements of an illustration may change. Coverage is not in force until a carrier issues a policy and the required premium is paid.

Premium finance and captive programs

Premium finance, captive insurance, and other advanced strategies involve leverage, ongoing collateral or capital requirements, interest rate risk, tax considerations, and regulatory scrutiny. They are suitable only for certain clients, and only after review with your own tax and legal advisors. Nothing on this site should be read as a tax opinion or an assurance of a particular tax treatment.

Life settlement transactions

When we act as a life settlement broker we represent the policy owner and owe that owner a duty to seek competitive offers. A life settlement may have tax consequences, may affect eligibility for public assistance, and may not be the best option compared with alternatives such as retaining the policy, an accelerated death benefit, or a policy loan. Offers are made by licensed providers, are subject to their underwriting and the required state rescission periods, and are never guaranteed.

Submitting information to us

Requests submitted through this site are inquiries, not applications, and do not bind coverage, request a change to existing coverage, or report a claim. Time-sensitive requests — including binding, cancellation, and claim notices — must be made directly to your carrier or confirmed with us by phone.

You agree that information you submit is accurate and that you have the authority to share it, including any employee or insured data. Do not send Social Security numbers, medical records, or other sensitive documents through unsecured email; ask us for a secure method.

Acceptable use

• Do not use the site for any unlawful, fraudulent, or misleading purpose.
• Do not attempt to gain unauthorized access to the site, its systems, or other users' information.
• Do not scrape, harvest, or automate access to site content or forms, or use them to send unsolicited messages.
• Do not upload malicious code or interfere with the site's operation or security.
• Do not misrepresent your identity or your authority to act for a business.

Intellectual property

The site's content, layout, graphics, and the Empire Financial Solutions name and logo are owned by us or our licensors and protected by intellectual property laws. You may view and print pages for your own business evaluation. Any other reproduction, distribution, or commercial use requires our prior written permission.

Third-party sites and materials

Links to carrier portals, enrollment platforms, or other third-party resources are provided for convenience. We do not control those sites and are not responsible for their content, availability, security, or terms.

Disclaimer of warranties

The site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that content is current.

Limitation of liability

To the fullest extent permitted by law, Empire Financial Solutions and its owners, employees, and affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost business, or lost data, arising from your use of this site or reliance on its content. Nothing in these terms limits any liability that cannot be limited under applicable law, or any obligation we owe you under a written client agreement or applicable insurance regulation.

Electronic communications

By contacting us through this site or by email, you consent to receive communications from us electronically in connection with your inquiry or engagement, and you agree that electronic records and signatures satisfy any requirement that communications be in writing.

Governing law and disputes

These terms are governed by the laws of the State of New York, without regard to its conflict of laws rules. Any dispute relating to this site will be brought in the state or federal courts located in New York, and you consent to that jurisdiction and venue. Disputes concerning a specific policy, program, or engagement are governed by the dispute resolution terms in the applicable agreement or policy.

Changes to these terms

We may update these Terms and Conditions from time to time. The current version is always posted here with a “Last updated” date, and your continued use of the site after an update means you accept the revised terms.

Contact

Questions about these terms can be sent to stephen@lshub.net or submitted through the contact form on this site.