Terms of Use

Last updated September 2026

By using this website you agree that the content is for general education. It is not a contract of insurance, an offer of securities, or personalized advice.

No professional advice

Articles, calculators, assessments, and the AI assistant do not create an advisor-client relationship. Insurance may only be offered where properly licensed and after a suitable conversation.

Accuracy

We work to keep information current, but tax law, product features, and carrier rules change. Confirm details in a policy illustration and with qualified professionals.

Acceptable use

Do not misuse forms, attempt to disrupt the site, or submit other people’s information without permission.