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My Life Savings, LLC is a technology company and does not sell life insurance. My Life Savings, LLC and our tool is intended to be educational in nature and for information purposes only. Never should a user quit paying premiums or terminate coverage based on data results from My Life Savings. Rates are subject to changes and only through the full underwriting process can one obtain accurate rates based on their health/lifestyle. Since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. Some rates displayed, specifically those related to 1035 exchanges, are approximate rates only and only can an illustration from an insurance carrier provide an accurate 1035 exchange value.