Frequently Asked Questions

Yes. All calculators and guides are free. We may earn affiliate commissions if you click certain links, but our tools and content cost you nothing.

No. We are not an insurance agency. We do not sell policies. We help you understand your coverage so you can make informed decisions when buying from licensed agents.

Yes. All calculations run in your browser. We do not collect or store your personal information. Your data never leaves your device.

Our calculators use industry-standard formulas and actuarial principles. They provide estimates for educational purposes. Always verify with a licensed professional before making insurance decisions.

Yes. Results are saved to your browser's localStorage. They persist across sessions on the same device and browser. You can also export results as a PDF or print them.

A coverage gap is any situation where you think you are insured but you are not, or where your insurance is insufficient to cover a potential loss. Common gaps include no flood coverage, low liability limits, and group life insurance that ends when you leave your job.

Marcus is a former senior underwriter with 16 years of experience at a major Midwest insurer. He left corporate underwriting in 2017 to help consumers navigate insurance. He holds an M.S. in Risk Management from DePaul University.

No. We do not offer professional services or consultation. Our content is educational. For personalized advice, consult a licensed insurance agent or financial advisor in your state.