Terms of Use

Last updated: August 2026.

By using LifeInsureCalc, you agree to the following terms.

Educational tool, not advice

LifeInsureCalc provides general educational estimates only. It is not insurance, financial, tax, or legal advice, and it is not an insurance quote or offer. Results depend entirely on the assumptions and figures you enter and should not be relied upon as a final coverage decision.

No guarantee of accuracy

While we aim for accurate, well-sourced content, we make no warranty that the calculator, methodology, or educational content is complete, current, or error-free. Insurance products, underwriting practices, and regulations change over time.

No agency relationship

LifeInsureCalc and Numerlyn LLC are not an insurance agency, broker, or licensed producer, and using this site does not create any agency, advisory, or fiduciary relationship.

Limitation of liability

Numerlyn LLC is not liable for any decisions made based on this site's content or calculator results. Use of this site is at your own risk.

Changes

We may update these terms and the site's content over time. Continued use of the site after changes constitutes acceptance of the updated terms.