Using this site means you accept the terms on this page. If any of this doesn't work for you, the only remedy we can offer is to stop using the site, since we don't have accounts or subscriptions to cancel.
Life Insurance Calculators publishes a coverage-need calculator and educational guides about term and permanent life insurance pricing. We are not an insurance agency, we do not sell policies, and nothing on this site is underwriting, legal, tax, or personalized financial advice. The DIME-method math behind the calculator is arithmetic built on inputs you supply and published market pricing patterns; it is not a quote, and no carrier has reviewed your application to produce it.
We source rate ranges from insurer filings and industry pricing research and update them on a rolling basis, but a website calculator cannot replicate a real underwriting decision. Your actual premium depends on your age, health class, tobacco use, occupation, and the specific carrier you apply with, any of which can move the number well outside the range shown here. Treat every figure on this site as a planning estimate rather than a guarantee.
Don't scrape, republish, or resell the content, tables, or calculator logic on this site without asking first. Don't use automated tools to hammer the site with requests. And don't rely on anything published here as the sole basis for a major financial decision without also talking to a licensed agent who can see your actual application.
Some pages link out to carriers, comparison tools, or other Encore Editorial properties. We don't control those sites and aren't responsible for their content, pricing, or privacy practices once you click through.
This site and its calculators are provided as is, without any warranty that the results are complete, current, or error-free. To the extent the law allows, we aren't liable for decisions made based on figures shown here; the backstop is always a licensed professional reviewing your actual situation.
We may update this page as the site or the products it describes change. Continuing to use the site after an update means you accept the revised terms. Questions belong on the contact page.