Terms of Service

Empire Financial & Life (operating as Empire Financial & Life) is an independent U.S. life-insurance agency. These Terms govern your use of our website and your communications with us.

Business Description & Message Types

By opting in to text messages from Empire Financial & Life, you may receive messages related to:

• Quote requests, application status, and underwriting updates;
• Appointment scheduling and reminders;
• Policy service, billing notices, and claim updates;
• If you separately opt in to marketing messages: special offers, discounts, and service updates.

This is a brief description of the kinds of messages users can expect to receive when they opt in.

Cancellation (STOP)

You can cancel the SMS service at any time. Just text "STOP" to +1 630-488-4717. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

Help (HELP)

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at Antonio@reply.empirefinanciallifeagency.com or +1 630-488-4717.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message & Data Rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 4 messages per month. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Privacy

If you have any questions regarding privacy, please read our privacy policy: /privacy.

Use Cases Referenced in Opt-In

Non-marketing messages are limited to: policy quotes, application status, appointment reminders, and account or claim updates. Marketing messages are limited to special offers, discounts, and service updates from Empire Financial & Life.

Business Identification & DBA

Our legal business name is Empire Financial & Life. We are doing business as (DBA) Empire Financial & Life. The names used on this website, in our opt-in forms, and in our Privacy Policy correspond to this legal entity and DBA.

No Lead Sales

Empire Financial & Life does not engage in the buying, selling, or affiliate-sharing of consumer leads. Opt-in data and consent are used only to provide the services you requested.

Insurance Disclosure

Insurance products are offered through licensed agents in applicable U.S. states. Coverage availability, premiums, and policy terms are determined by the issuing carrier and subject to underwriting. Nothing on this website constitutes a binding offer of insurance.

Governing Law

These Terms are governed by the laws of the United States and the state in which Empire Financial & Life is principally located, without regard to conflict-of-laws principles.

Contact

Empire Financial & Life
Antonio@reply.empirefinanciallifeagency.com
+1 630-488-4717