Disclosures

This is educational, not a sale

This site and its calculator explain, in general terms, how life insurance coverage and tax-free growth strategies work and roughly what they could look like for you. Nothing on this site is an offer of insurance, a quote, an application, a tax return, or personalized advice of any kind.

What this actually is

Protected With Love is an independent insurance agency and tax preparation practice owned and operated by Krystal Londono. It is not an insurance carrier, not a bank, not an investment advisory firm, and not a government Marketplace. The free membership on this site is educational content and self-service tools, not a financial plan prepared for you personally until you speak with Krystal directly.

Who stands behind it

Any insurance policy is issued and backed by the licensed insurance carrier that underwrites it, not by this website or by Protected With Love. Any tax return is prepared by Protected With Love but filed under your own name and responsibility with the IRS and applicable state tax authority. Marketplace health coverage is administered by the federal or state Health Insurance Marketplace, not by this site.

How the numbers can vary

Every result on the calculator and in the member tools depends on inputs you control (a monthly amount, a number of years, your age) and on assumptions stated next to the result (an estimated cost per $1,000 of coverage, an assumed crediting rate, rounded tax and poverty figures). Actual insurance pricing depends on your age, health class, tobacco use and the carrier's own underwriting. Actual investment or indexed growth is not guaranteed and past performance never predicts future results. Actual tax outcomes depend on the full return, current law, and your complete financial picture. None of the tools on this site provide a guarantee of any kind.

Costs and fees

The calculator, the free membership, its courses and tools cost nothing to use. Any insurance policy, tax preparation engagement or advisory relationship with Krystal Londono carries its own separate cost, disclosed to you directly before you agree to it, never invented or estimated on this site.

Tax treatment

Nothing on this site is tax advice. Tax law changes, and how a strategy is treated depends on your complete, individual situation. Protected With Love does not guarantee any specific tax outcome, refund amount, or savings figure, and every estimate on this site is a planning illustration, not a filed return.

What we are and what we are not

Krystal Londono is a licensed insurance producer and a certified tax strategist. She is not a securities broker-dealer, not a Certified Financial Planner, and not an attorney. For matters outside insurance, tax preparation and ACA enrollment guidance, such as estate planning documents or securities investments, consult the appropriately licensed professional.

The calculator's method and its limits

The protection path multiplies a monthly income figure by 12 and by the number of years chosen to estimate a coverage need, and estimates a monthly cost using a planning-range cost per $1,000 of coverage for a healthy applicant in their 30s to 40s. The growth path compounds a monthly contribution monthly at an assumed 6% crediting rate (shown alongside a more conservative 4% comparison). Both paths exclude underwriting, health class, state availability, carrier fees, policy charges, and taxes. A real quote or illustration from a licensed carrier will differ from this estimate and controls over it.

Licensing and where we can operate

Krystal Londono holds National Producer Number (NPN) 16261381 and is licensed to sell insurance in all 50 states. She provides in-person service in Miami-Dade, Broward and Palm Beach counties in Florida, and remote service nationwide. You can verify an insurance producer's license through the National Insurance Producer Registry at nipr.com. This site is not an offer of insurance in any state where Krystal Londono is not currently licensed to transact business.