Terms of Use

Last updated: October 26, 2026

By using theltpway.com or estimator.ltpway.com, you agree to these terms. If you don't agree, please don't use the site.

Educational purposes only

Everything on this site, including the coverage calculator, the premium estimator and our FAQ, is provided for general educational purposes. It isn't insurance, legal, tax or financial advice for your specific situation.

Using the site is entirely up to you. You can use the tools and information without ever contacting us. If you choose to reach out, for example to ask a question or explore options for your own situation, any conversation about specific coverage takes place by email or phone with a licensed insurance professional, not on this site.

Estimates are not quotes

The estimator shows general cost estimates based on a simplified assessment. An estimate is not a quote, an offer to sell insurance or an application for coverage, and no coverage is in force because you used it. Actual premiums, health class and eligibility are set by an insurance company only after a full application and underwriting, and they may differ significantly.

State licensing

We only discuss or offer life insurance in states where we're licensed. Nothing on this site is a solicitation to sell insurance in a state where we aren't licensed. Using the site doesn't by itself create an agent-client relationship.

Accuracy

We work to keep the information on this site accurate and current, but we can't guarantee it's complete or error-free. Insurance products, rates and rules change, and features vary by insurance company and state.

Using the site

Please use the site only for lawful purposes. Don't submit false information, someone else's information without their permission, or anything meant to disrupt or misuse the site or our forms.

Links to other sites

We may link to other websites for reference. We don't control them and aren't responsible for their content or practices.

Our content

The text, tools and design of this site belong to the LTP way. You're welcome to use them for your own personal, non-commercial purposes.

No warranty

The site and its tools are provided "as is," without warranties of any kind, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, the LTP way isn't liable for any loss or damage that results from using the site or relying on its content or estimates.

Governing law

These terms are governed by the laws of the State of California.

Changes

We may update these terms from time to time. The date at the top of this page shows when they last changed.

Contact

Questions about these terms? Send them through our contact form.