Life Insurance
Important Disclaimers and Regulatory Notices
Accuracy Disclaimer:
This calculator is provided as a self-help tool for educational purposes. Premium estimates are based on sample rate data and may not reflect actual insurance company rates. Actual premiums may vary significantly based on health underwriting, specific insurance company, policy features, and other factors not captured in this calculator. Roth Advisors and anyone affiliated with the firm are not liable for any losses or damages from the calculator's use or reliance on the information provided.
State Licensing Disclosure:
Roth Advisors and its representatives are currently licensed to conduct insurance business in the states of California, Oregon, and Washington only. This calculator and the services described herein are intended solely for residents of those states.
California Residents:
For residents of California, this calculator is not an offer to sell insurance. To receive a personalized and compliant life insurance illustration, please contact a licensed insurance agent authorized to conduct business in California.
NAIC Compliance Notice:
This calculator is intended to align with the NAIC's Life Insurance Illustrations Model Regulation (Model #582). The estimates provided are not policy guarantees or predictions of future performance. They are not approved illustrations under any state law and should not be used in place of an insurer-provided illustration.
New York Residents:
This calculator is for general informational purposes only and does not constitute a policy illustration as defined under New York Insurance Law §3209. The estimates provided are hypothetical and do not replace any policy-specific disclosures or illustrations that may be required under New York law. Roth Advisors does not solicit or transact insurance business in the State of New York. For a compliant illustration or personalized quote, please contact a licensed life insurance agent authorized to operate in New York.
SEC and FINRA Disclosure:
This calculator is designed solely to estimate premium payments for term life insurance products, which are not securities and are not registered with the SEC. Term life insurance does not include investment features and is not subject to FINRA oversight. No part of this calculator is intended to offer or promote any investment product.
Accuracy Disclaimer:
This calculator is provided as a self-help tool for educational purposes. Premium estimates are based on sample rate data and may not reflect actual insurance company rates. Actual premiums may vary significantly based on health underwriting, specific insurance company, policy features, and other factors not captured in this calculator. Roth Advisors and anyone affiliated with the firm are not liable for any losses or damages from the calculator's use or reliance on the information provided.
State Licensing Disclosure:
Roth Advisors and its representatives are currently licensed to conduct insurance business in the states of California, Oregon, and Washington only. This calculator and the services described herein are intended solely for residents of those states.
California Residents:
For residents of California, this calculator is not an offer to sell insurance. To receive a personalized and compliant life insurance illustration, please contact a licensed insurance agent authorized to conduct business in California.
NAIC Compliance Notice:
This calculator is intended to align with the NAIC's Life Insurance Illustrations Model Regulation (Model #582). The estimates provided are not policy guarantees or predictions of future performance. They are not approved illustrations under any state law and should not be used in place of an insurer-provided illustration.
New York Residents:
This calculator is for general informational purposes only and does not constitute a policy illustration as defined under New York Insurance Law §3209. The estimates provided are hypothetical and do not replace any policy-specific disclosures or illustrations that may be required under New York law. Roth Advisors does not solicit or transact insurance business in the State of New York. For a compliant illustration or personalized quote, please contact a licensed life insurance agent authorized to operate in New York.
SEC and FINRA Disclosure:
This calculator is designed solely to estimate premium payments for term life insurance products, which are not securities and are not registered with the SEC. Term life insurance does not include investment features and is not subject to FINRA oversight. No part of this calculator is intended to offer or promote any investment product.