Privacy, terms & consent

What we never collect

Social Security numbers, driver's license numbers, bank account information, passwords and medical records are never requested by this calculator.

What stays on your device

Your calculator answers, results and any campaign tag are stored in your browser's local storage so you can return to them. You can use the entire calculator without creating an account, and you see your results before any form appears.

What you choose to share

If you request a protection report or a free review, you provide your name, email, optional phone, state and a summary of your results so a licensed advisor can respond. Marketing communications are only sent where legally permitted and where appropriate consent has been given. You can opt out at any time.

AI use

AI features generate educational explanations only. AI output is not financial, tax, legal, medical, insurance or underwriting advice, makes no guarantees, and does not determine eligibility or pricing.

Terms & disclaimers

This calculator provides an educational estimate based on the information you enter. It is not an insurance quote or recommendation and does not determine eligibility, underwriting, premium, policy performance or coverage availability. Actual insurance needs and options should be reviewed with a qualified licensed professional.

Life insurance availability, benefits, costs, underwriting and policy features vary by state, carrier and individual circumstances.

Results are estimates for educational purposes only and are not a guarantee of coverage, eligibility, premium, policy performance, cash value, tax treatment or underwriting outcome.

Data deletion

Clear everything stored on this device below. To request deletion of information you previously submitted to GSS, email keith@gilbertservicessouthwest.com or call 480-269-2577.