Disclosures

This is educational, not a sale. LifetimePlan provides educational content and free tools from Alek Sarkis, an independent insurance broker. Nothing on this site is a quote, an illustration, or legal or tax advice. Product availability, rates and eligibility depend on the carrier, your health and your state.

How the numbers can vary. LifetimePlan provides educational content and free tools from Alek Sarkis, an independent insurance broker. Nothing on this site is a quote, an illustration, or legal or tax advice. Product availability, rates and eligibility depend on the carrier, your health and your state. Every calculator on this site uses only the answers you enter and published, general assumptions; it does not pull your credit file, your policy, your case or any other private record, and a real quote, application or professional opinion will differ.

Costs and fees. LifetimePlan's membership, courses, tools and community are free, with no card required and no hidden fee.

What we are and what we are not. LifetimePlan is an educational platform. It does not itself hold a license related to life insurance and annuities (California Department of Insurance). For a decision that needs a licensed professional's judgment, speak with one directly; any provider you choose has their own separate terms, costs and disclosures.

Common questions. For plain answers to the questions people ask most, including how the calculators work and what is and is not free, see the frequently asked questions page.