Important Disclosure

Empire Core & Legacy

At Empire Core & Legacy, our goal is to provide clear, educational information to help individuals and families better understand insurance and financial protection options.

The information presented on this website is intended for general educational and informational purposes only. It should not be considered a guarantee of coverage, benefits, eligibility, approval, or a recommendation to purchase any particular insurance product.

Insurance Products

Insurance products and services discussed on this website may include:

•Life Insurance

•Final Expense Insurance

•Business Insurance

•Annuities

•Long-Term Care Insurance

•Accident Insurance

•Disability Insurance

•College & Education Planning

Other insurance and financial protection solutions

Availability varies by insurance carrier, state, product, underwriting requirements, and individual circumstances.

All insurance policies are subject to the terms, conditions, exclusions, limitations, riders, fees, and provisions contained in the actual policy or contract.

Quotes & Coverage

Any examples of premiums, coverage amounts, benefits, rates, or potential savings shown on this website are for illustrative purposes only.

Actual premiums, benefits, eligibility, and coverage amounts are determined by the applicable insurance carrier and may depend on factors such as:

•Age

•Health history

•Medical information

•Occupation

•Coverage amount

•Policy type

•State of residence

•Underwriting

•Carrier guidelines

A quote or illustration does not guarantee that coverage will be issued.

Annuity Disclosure

Annuities are insurance products issued by insurance companies.

Any guarantees associated with an annuity are backed by the financial strength and claims-paying ability of the issuing insurance company.

Annuities are not FDIC-insured bank accounts and are not guaranteed by the federal government.

Depending on the contract, annuities may include:

•Surrender charges

•Fees

•Withdrawal limitations

•Market-related risks

•Interest-crediting limitations

•Tax considerations

Withdrawals may be subject to ordinary income tax and, in certain circumstances, an additional federal tax penalty if taken before age 59½.

Please review the specific annuity contract and consult qualified tax or financial professionals regarding your circumstances.

Life Insurance Disclosure

Life insurance is primarily designed to provide financial protection through a death benefit.

Certain permanent life insurance policies may accumulate cash value. Accessing cash value through loans or withdrawals may reduce the policy's cash value and/or death benefit and may have tax consequences.

Policy performance is dependent on the specific policy, carrier, funding, charges, and other contract provisions.

Long-Term Care & Chronic Illness Disclosure

Long-term care and chronic illness benefits are subject to the definitions, eligibility requirements, exclusions, limitations, waiting periods, and other provisions of the applicable policy.

Accelerated benefits may reduce the amount of death benefit available to beneficiaries.

Benefits are not available in every situation and vary by carrier and policy.

Accident & Disability Disclosure

Accident and disability insurance benefits are payable only when the requirements of the applicable policy are satisfied.

Coverage may include:

•Waiting periods

•Benefit periods

•Benefit maximums

•Exclusions

•Occupational restrictions

•Pre-existing condition provisions

•Definitions of disability

•Other policy limitations

Actual benefits depend on the specific policy issued by the insurance carrier.

College & Education Planning Disclosure

Education planning information provided by Empire Core & Legacy is for general educational purposes.

Different education savings and financial products have different tax rules, contribution limits, investment risks, withdrawal restrictions, and eligibility requirements.

Life insurance should not automatically be considered a substitute for an education savings plan.

Please consult an appropriately qualified tax, legal, or financial professional before making decisions involving education funding or tax strategies.

Tax & Legal Disclaimer

Empire Core & Legacy does not provide legal or tax advice through this website.

Tax laws and regulations can change, and individual circumstances vary.

Information regarding potential tax treatment is general in nature and should not be relied upon as individualized tax advice.

For questions regarding your specific tax or legal situation, please consult a qualified tax professional or attorney.

Financial & Investment Disclaimer

Information provided on this website should not be interpreted as individualized investment, financial, legal, or tax advice.

Insurance products and annuities may be appropriate for some individuals and inappropriate for others.

You should consider your individual financial situation, goals, risk tolerance, liquidity needs, and time horizon before purchasing any financial or insurance product.

No Guarantee

Empire Core & Legacy does not guarantee:

•Approval for insurance coverage

•A specific premium

•A specific benefit amount

•A specific rate of return

•Future policy performance

•Future insurance availability

Acceptance by a particular insurance carrier

All applications are subject to the applicable insurance company's underwriting and approval process.

Carrier Information

Empire Core & Legacy may work with insurance carriers and other insurance organizations whose products and requirements vary.

The insurance carrier—not Empire Core & Legacy—issues the insurance policy or contract and is responsible for the contractual obligations under that policy.

Licensing

Insurance products are offered through appropriately licensed insurance professionals and are subject to applicable state insurance laws and regulations.

Licensing and product availability may vary by state.

Your Information

Information submitted through this website, including contact information and information provided during an insurance inquiry or application, may be used to respond to your request and facilitate communication regarding insurance products and services.

Please review our Privacy Policy for additional information regarding the handling of personal information.

Our Commitment to You

At Empire Core & Legacy, we believe you deserve to understand what you're considering before making an important financial decision.

Our goal is to:

Educate. Explain. Protect. Build Legacy.

If you have questions about a specific insurance product, policy, quote, or illustration, we encourage you to speak with a properly licensed insurance professional and review the actual policy or contract before making a decision.

Empire Core & Legacy

Protect Today. Prepare for Tomorrow. Leave a Legacy.