Legal
Terms of Use
Last updated September 4, 2026
The calculator is an estimate
The calculator on this site turns a monthly amount and a number of years into an estimated coverage gap or an estimated tax-free growth projection, using the assumptions stated on screen next to the result. It is not a quote, an offer of insurance, an application, or a guarantee of any result. Actual pricing and actual growth depend on your age, health, the carrier, and market performance, none of which the calculator can know in advance.
No advice
Nothing on this site is legal, tax, investment or medical advice. It is general, educational information. Speak with a licensed professional, including Krystal Londono for insurance and tax matters specific to you, before making a decision based on anything shown here.
Real numbers come from the provider
If you apply for insurance, the insurance carrier that issues the policy controls the actual price, terms and coverage, and its policy documents control over anything estimated on this site. If you engage Protected With Love for tax preparation, the actual return prepared and filed controls over any estimate shown here.
Membership and community
The free membership is one account per person. Keep your password private; you are responsible for activity under your account. Community posts and replies should stay on topic and respectful. Content or an account can be removed for breaking these terms, including sharing false information, harassment, or spam.
Use of the site
Do not submit false information, attempt to disrupt the site, scrape it, or use it for any unlawful purpose.
Liability
This site and its calculator are provided as is, without warranty of any kind. To the fullest extent the law allows, Protected With Love is not liable for decisions made based on estimates shown on this site.
Governing law
These terms are governed by the laws of the State of Florida.