Terms of use

Last updated: October 4, 2026.

Education only

TrueLifeCost publishes general educational information about life insurance. Nothing on this site is an offer to sell insurance, a quote, a binder, or a personal recommendation. TrueLifeCost is not an insurer, agency, or broker, and using this site does not create an advisor-client relationship.

Quotes and numbers

This site does not provide insurance quotes. The quote worksheet performs arithmetic only on values you enter. Hypothetical illustrations are labelled as such and are not prices. Insurance premiums, eligibility, and policy terms are determined solely by insurers under applicable state law.

Accuracy

We work to keep information accurate and sourced, and we correct confirmed errors. Insurance products, regulations, and prices change. Verify any decision-critical fact with the insurer, the policy document, or a licensed professional before acting.

External links

Links to third-party sites, including retirement education resources, are provided for convenience. We do not control those sites and are not responsible for their content or privacy practices.

Liability

To the fullest extent permitted by law, TrueLifeCost is not liable for decisions made in reliance on this site's educational content. Get licensed, state-specific advice for personal decisions.