Terms of Use

Educational use

General information, not individual advice

LIFE.YOU provides general education and planning estimates, not insurance, legal, investment or tax advice. Use of the site does not create an adviser, agent, insurer or client relationship.

Calculator limitations

Calculator results depend entirely on user inputs and simplified assumptions. They are not applications, quotes, approvals, policy illustrations or guarantees of coverage. A result should be tested with more than one scenario before it is used to prepare questions.

Contracts and external information

Insurer contracts, underwriting decisions and applicable law control real outcomes. External sources and links are provided for education, but their content, availability and terms remain under the control of their publishers.

Responsibility for decisions

Verify material decisions with official documents and appropriately qualified professionals. Do not cancel existing coverage until replacement coverage has been issued, accepted and confirmed in force.