Terms
The terms that apply to using this site.
The short version: this site is education, not advice; nothing here creates coverage; and if you buy a policy, the policy document is what governs it.
What this website is
General information about life insurance and annuities, published by an insurance practice in Middleton, Wisconsin.
It is not personalised advice, it is not an offer of insurance, and reading it does not create a client relationship. No coverage exists until an application has been accepted in writing by an insurance company.
What governs a policy
If you buy insurance, the policy document issued by the carrier governs it — not this website. Where the two differ, the policy wins, every time.
Product availability, terms, exclusions, waiting periods and charges vary by carrier and by state.
The estimator on this site
The estimator performs simple arithmetic on figures you enter. It is not a quote, not an application, and not a recommendation. It ignores inflation, taxes, your health, and what any policy would actually cost. Do not make a decision on its output alone.
Accuracy and changes
We aim to keep this site accurate and current, but insurance rules and product terms change. Content may be updated or removed without notice.
Links to other sites are provided for convenience. We do not control them and are not responsible for their content.
Intellectual property
The text, design and code of this site belong to the practice and may not be copied wholesale.
Governing law
These terms are governed by the laws of the State of Wisconsin.