The basics of using this website and what the information here does and doesn't promise.
This website is operated by Lia McDonald, a licensed insurance agent affiliated with Symmetry Financial Group. By using the site, you agree to these terms. If you don't agree, please don't use it.
The information on this site is general and educational. It isn't legal, financial, or tax advice, and it isn't a binding offer of insurance coverage. Specific quotes require formal application and underwriting by an insurance carrier. Coverage availability, pricing, and terms depend on your specific situation, your health, the carrier you apply with, and the state you live in.
Nothing on this site should be relied on as a substitute for a personalized conversation with a licensed agent or for the actual policy contract a carrier issues.
The coverage calculator on this site uses common rules of thumb (the DIME method) to give you a starting estimate of how much life insurance might fit your situation. It is not a quote, not a guarantee of coverage, and not a recommendation tailored to your specific needs. Real coverage decisions depend on factors the calculator can't account for — your health, the specific carrier's underwriting, the policy type, and many others.
Use the number as a starting point for a real conversation, not as a final answer.
I'm licensed to sell life insurance in North Carolina, Colorado, Washington, Ohio, Pennsylvania, Wisconsin, and Michigan. If you're outside those states, I can't legally write a policy for you, but I may be able to refer you to someone trustworthy or work toward licensing in your state if there's good fit.
You can verify my license status anytime through the National Association of Insurance Commissioners' lookup at sbs.naic.org using my NPN: 22066980.
You're welcome to use this site for personal, non-commercial purposes — to learn about insurance, calculate your coverage need, schedule a conversation with me, or contact me directly. You agree not to:
The content of this site — including the text, graphics, layout, and code — is owned by Lia McDonald or licensed for use here. You may view and print pages for personal reference. Any other use, including commercial use or redistribution, requires written permission.
This site uses several third-party services to function: Google Fonts (typography), Calendly (scheduling), Formspree or similar (form handling). Each of these has its own terms and privacy policies. I have no control over their operations and am not responsible for their content, policies, or practices.
To the maximum extent permitted by law, Lia McDonald is not liable for any indirect, incidental, special, or consequential damages arising from your use of this site or from any decisions you make based on information here. The site is provided "as is" without warranties of any kind, express or implied.
This limitation does not affect any rights you have under applicable insurance regulations or laws that can't be waived.
You agree to indemnify and hold Lia McDonald harmless from any claims, losses, or damages arising from your use of the site, your violation of these terms, or your violation of any rights of a third party.
These terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles. Any disputes will be resolved in the state or federal courts located in North Carolina, except as required by applicable insurance regulations in your state of residence.
I may update these terms occasionally. The "Last updated" date at the top will reflect any changes. Continued use of the site after changes are posted constitutes acceptance of the updated terms.
Questions about these terms?