Terms of use

1. Informational purposes only

All content on lifeinsuranceanswers.xyz is general information about life insurance in the United States. It is not insurance advice, a recommendation of any product or company, or a substitute for a licensed professional's review of your circumstances.

We are not an insurer, agent, broker or financial adviser. No content on this site creates an advisory relationship, and no coverage is offered, bound or modified by anything published here.

2. Figures and estimates

Premium tables are illustrative averages drawn from published market data and are labelled with their dates. Actual premiums are determined solely by an insurer's underwriting and vary by age, health, state, product, coverage amount and riders. Company facts and ratings are reported as published by the company and the rating agencies at the dates shown and may change.

The coverage calculator produces a planning estimate from the numbers you enter. It is not a quote, an offer, or a determination of suitability.

3. Affiliate relationships

Some outbound links are affiliate links. If you request a quote through one, we may receive compensation from the advertiser. This does not increase what you pay and does not affect the editorial content. See the about page for how the site is funded.

4. Third-party sites

Links to other websites are provided for convenience. We do not control those sites and are not responsible for their content, availability, security or privacy practices. Visiting them is at your own risk and subject to their terms.

5. Accuracy and availability

We work to keep the content accurate and current, but it is provided "as is" without warranties of any kind, express or implied, including fitness for a particular purpose. Laws, products, ratings and rates change. Always confirm details with the insurer or a licensed professional before acting.

We do not warrant that the site will be uninterrupted or error-free, and we may change, suspend or remove any part of it at any time.

6. Limitation of liability

To the fullest extent permitted by law, Life Insurance Answers and its contributors are not liable for any indirect, incidental, consequential or punitive damages, or for any loss arising from reliance on the content of this site, including decisions about insurance coverage.

7. Intellectual property

The text, layout, design and original data tables on this site are owned by Life Insurance Answers. You may quote short excerpts with attribution and a link. You may not republish substantial portions, scrape the site at scale, or present its content as your own. Third-party names and marks remain the property of their owners and are used for identification only.

8. Acceptable use

Do not attempt to interfere with the site's operation, probe it for vulnerabilities without written permission, use automated tools to harvest content, or use the site in a way that breaks any applicable law.

9. Changes to these terms

We may update these terms; the date at the top of the page will change. Continued use after an update means you accept the revised terms.

10. Governing law

These terms are governed by the laws of the United States and the state in which the site's operator resides, without regard to conflict-of-law rules. Any dispute will be handled in the courts of that jurisdiction.

11. Contact

Questions about these terms: contact@lifeinsuranceanswers.xyz.

Nothing on this site should be read as a promise of coverage, approval, dividends or investment performance. Coverage depends on the terms of the policy issued and the payment of premiums.