Terms of use for this website

The calculator is educational only

The life insurance needs calculator on this website is provided for general educational purposes only. It produces an estimate based on the figures you enter and a simple formula. It is not a binding insurance quote, an offer of insurance, a financial plan, or a guarantee that any particular amount of coverage is available to you. Actual insurance needs, eligibility, premiums, benefits and coverage are determined based on your individual circumstances and the underwriting requirements of the applicable insurance carrier.

No professional advice

Nothing on this website constitutes legal, tax, accounting or investment advice. The calculator does not account for every factor that may be relevant to your situation, such as existing coverage, family circumstances, employer benefits or your financial goals. You should consider your own circumstances and, where appropriate, consult a qualified professional.

Accuracy of information you provide

The estimate depends entirely on the information you enter. You are responsible for the accuracy of that information. Any quote or indication of pricing would be based on verified information and the applicable carrier’s underwriting, not on the calculator.

Acceptable use

• Do not use this website for any unlawful purpose or in violation of these terms
• Do not submit false information or impersonate another person
• Do not attempt to disrupt, overload, scrape or gain unauthorized access to the site
• Do not use automated tools to submit forms or extract content without permission

Intellectual property

The content, design, text, graphics and code of this website are protected by applicable intellectual property laws. You may not copy, reproduce, distribute or create derivative works from the site without our prior written permission, except for personal, non-commercial viewing.

Third-party links and services

This website may link to or rely on third-party services, such as our hosting and form delivery providers. We are not responsible for the content, availability or practices of third-party sites and services.

Limitation of liability

To the fullest extent permitted by law, this website and its operators are not liable for any indirect, incidental, special or consequential damages arising from your use of the site or reliance on any estimate, content or information provided. The site is provided on an “as is” and “as available” basis without warranties of any kind.

Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions, and any dispute will be subject to the jurisdiction of courts located in Texas.

Changes to these terms

We may revise these terms at any time by posting an updated version on this page. Continued use of the website after a change means you accept the revised terms.