Answer a few questions, build a personalized protection snapshot, compare common policy categories, save your review notes, and prepare for a licensed insurance conversation.
Estimated protection gap from the calculator. This is educational, not a policy recommendation or quote.
This guided questionnaire helps organize your needs before you compare products. It does not determine suitability or replace a licensed agent's review.
Estimate a potential coverage gap from income replacement, debts and family goals, less existing insurance and liquid savings.
Method: income × selected years + mortgage + debts + education/family goals + final expenses − existing coverage − liquid savings. This simplified estimate omits taxes, inflation, returns, survivor income, government benefits and policy-specific factors.
Save this summary in your browser, print it, or bring it to a licensed consultation.
Complete the guided questionnaire above to add your coverage-direction summary.
Educational estimate only. This is not an insurance quote, application, offer, recommendation, illustration, or guarantee of coverage.
Product details vary by insurer and contract. Use this table to understand what questions to ask—not to select a policy solely from the website.
| Category | Basic idea | Potential advantages | Important questions |
|---|---|---|---|
| Term Life | Death-benefit coverage for a stated term. | Often lower initial premium for a given death benefit; useful for temporary obligations. | Can it renew? At what cost? Is conversion available? When does coverage end? |
| Whole Life | Permanent life insurance that may build cash value. | Designed for long-duration protection; may include guaranteed contractual elements. | What is guaranteed versus non-guaranteed? What are surrender values and loan provisions? |
| Universal Life | Permanent coverage with flexible policy mechanics that vary by contract. | May offer premium/death-benefit flexibility depending on the policy. | What assumptions affect policy duration? What happens if credited rates or charges change? |
| Indexed Universal Life | Universal life with credited interest that may be linked to an external index under contract rules. | Potential cash-value accumulation subject to caps, participation rates, floors, charges and policy terms. | Which values are guaranteed? How are caps/participation rates set? What keeps the policy in force? |
| Final Expense | Typically smaller-face-amount life insurance intended to help with end-of-life costs. | May fit a limited final-expense objective. | Is the death benefit immediate or graded? What are total premiums over time? What health questions apply? |
Record basic questions about an existing policy. Saved reviews stay only in this browser in this launch version.
A lightweight browser-based account for the launch version. It demonstrates saved snapshots and policy reviews without requiring a paid database.
This section is designed so you can later connect a real CRM, calendar and secure authentication. For now it provides an editable local profile and lead/appointment overview.
Consultation requests are prepared for Formspree delivery and are also stored locally as a backup on this device. The Formspree endpoint is set in one configuration line near the top of the site script.
Use the secure checkout only for a TLC service that has been clearly described and agreed to. Insurance premiums should be paid only through insurer-approved billing channels.
Checkout is handled by Stripe. This button does not purchase, bind, or pay a premium for an insurance policy.
Never use this checkout for an insurance premium unless the carrier specifically authorizes that payment method.