Important use limitations
This is an independent software demonstration, not an insurer, insurance broker, licensed insurance agent or financial advice provider.
No insurance sales
The site does not provide official insurance quotations, binding coverage, accept insurance premiums, issue contracts, provide regulated individualized recommendations or transmit applications to insurers. It does not claim affiliation with any insurance company.
No reliance on model outputs
CSV outputs reproduce user-entered values and do not verify them. The universal life example is a simplified educational model that excludes real-world policy provisions. Do not make irreversible insurance, tax, borrowing or replacement decisions based on this software alone.
Financial decisions
Confirm exact values and consequences with the insurer and an appropriately licensed insurance professional. Real policy terms control. Consult tax and legal professionals where relevant.
Commercial availability
No commercial product checkout is enabled in the current release. Any paid service will require separate product descriptions and customer terms before becoming available.
Independent educational software prototype. Not affiliated with an insurer or regulator. No individual advice, official quotes, coverage, underwriting or transactions are provided. Information reviewed for prototype on 11 Nov 2026.