About Family Protection Gap

Family Protection Gap is an independent educational website centered on a free browser-based life insurance needs calculator and practical learning resources. Its purpose is to help individuals and families organize assumptions, compare needs with existing resources, and identify questions they may want to discuss with an appropriately licensed professional.

Site operator and editorial responsibility

The site is operated by Terence S. Phillips, founder of Smarter Health Insurance Options. Public professional information currently associated with the optional help pathway includes a Master of Arts degree, Licensed Insurance Agent, Florida License Number W472774, and National Producer Number 18727754. Visitors should verify current licensing and state authorization through the appropriate official regulator before relying on a professional relationship.

Terence has a background spanning accounting, finance, banking, insurance, auditing, and real estate. That experience informs the site's practical educational perspective; it does not make this general website a substitute for individualized advice.

How to use this site

Use the Family Protection Gap Calculator to explore your own assumptions. Read the methodology to understand what is added and subtracted, and consult the Learning Center for topic-specific explanations. Contacting the site is optional. Calculator amounts are not automatically attached to a help request.

Corrections and questions

For corrections, source questions, or accessibility concerns, use the contact form. The team can review the page and update it when an error is confirmed.

Educational content is general and does not evaluate your policy, eligibility, premium, tax circumstances, or legal documents.