This calculator is provided for illustrative and educational purposes only and does not constitute insurance advice, a recommendation to purchase any specific policy, or an offer of coverage. Results are estimates based on the methodologies shown and the values you enter; actual coverage needs vary based on individual circumstances including health, tax situation, state of residence, and policy features not reflected here. Independence Square Advisors does not sell insurance products directly. Please consult a licensed insurance professional and your financial advisor before making any decisions.