Terms of Use

Last updated: October 13, 2026

These plain-language terms describe the intended use of the Family Protection Gap website, educational content, and browser-based planning tools. They should be read with the Privacy Policy and Disclaimer.

Educational content and estimates

The calculators and articles are provided for general educational and informational use. A result depends on the visitor’s inputs and the method shown. It is not a quote, policy evaluation, recommendation to buy or cancel coverage, or individualized financial, insurance, legal, tax, or investment advice. Review the methodology and consult an appropriately licensed or qualified professional for questions about your circumstances.

Use of calculator tools

You are responsible for entering assumptions that fit the scenario you want to explore and for checking the displayed result. The tools cannot verify policy status, balances, plan terms, or future costs. Do not enter account numbers, Social Security numbers, medical details, or other sensitive identifiers. Detailed calculator entries remain in the browser page; the main calculator may temporarily store only the estimated family-need total in the current tab for an optional import into the employer coverage checker. See the Privacy Policy for details.

Availability and updates

Pages, links, formulas, and features may be corrected or updated. The site may be temporarily unavailable, and an external link may change or stop working. A published date indicates an editorial update; it does not promise that every fact applies to every person or that a result is complete for a particular situation.

Third-party links and advertising

The website may contain clearly identified advertisements and links to other organizations. Those sites operate independently and have their own content, terms, and privacy practices. A link does not mean Family Protection Gap guarantees or endorses an outside service, product, or statement. Review the destination before deciding whether to use it.

Questions or corrections

For questions about this website or to report a correction, use the optional contact form or email freequote@smarterhealthinsuranceoptions.com. Sending a message is optional and does not create an insurance purchase requirement.